Financial Disclaimer

Important information about using our calculators and financial tools

General Disclaimer and Purpose

BreakEven SMB provides financial calculators, tools, and content on this website (collectively, the "Services") for educational and informational purposes only. The information, calculations, and results presented through our calculators are not intended to provide professional financial, legal, tax, investment, or business advice. Users should not rely solely on the results from our calculators when making business, financial, or investment decisions.

By accessing and using our website and calculators, you acknowledge that you have read, understood, and agree to the terms of this disclaimer. If you do not agree with any part of this disclaimer, you should not use our Services.

Educational and Informational Purpose Only

All calculators, financial tools, articles, and content on this website are designed to help users understand fundamental financial concepts, perform preliminary calculations, and explore different business scenarios. They serve as educational aids to help small business owners, entrepreneurs, and other users visualize the potential outcomes of various financial decisions.

Our calculators use industry-standard mathematical formulas to process the information you input and generate results. However, these results should be used as starting points for further analysis and discussion, not as definitive answers or recommendations. Financial planning and business decision-making require consideration of many factors beyond what can be captured in a calculator.

No Professional Advice or Client Relationship

Nothing on this website should be construed as professional financial, accounting, legal, tax, or investment advice. Using our calculators or reading our content does not create a professional-client relationship between you and BreakEven SMB, its employees, or its affiliates.

The financial situation of each individual and business is unique and depends on numerous factors that may not be captured by our calculators, including but not limited to:

  • Personal financial circumstances and goals
  • Specific industry conditions and competitive landscape
  • Local, state, and federal regulations affecting your business
  • Tax implications based on your jurisdiction and business structure
  • Market conditions and economic trends
  • Risk tolerance and time horizon
  • Other investments, debts, and financial obligations

Before making any business, financial, or investment decisions, users should consult with qualified professionals who can consider their specific circumstances. This includes certified public accountants (CPAs), financial advisors, business attorneys, tax professionals, and other appropriate experts.

Accuracy of Information and Calculations

While we strive to provide accurate calculations using industry-standard formulas and methodologies, we make no representations or warranties about the completeness, accuracy, reliability, suitability, or availability of the information, calculations, or results provided through our Services.

Several factors can affect the accuracy of calculator results:

  • Input Accuracy: Results are entirely dependent on the accuracy of data you enter. Incorrect inputs will produce incorrect outputs.
  • Simplified Assumptions: Calculators use simplified assumptions that may not reflect the complexity of real-world business situations.
  • Changing Conditions: Financial markets, regulations, tax laws, and business conditions change frequently, and calculators may not reflect the most current information.
  • Individual Variations: Every business is unique, and calculators cannot account for all individual circumstances.

Users acknowledge that financial calculations involve inherent uncertainties, risks, and assumptions that may not materialize as expected.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BREAKEVEN SMB, ITS OWNERS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits, revenue, sales, business, or anticipated savings
  • Loss of data, goodwill, or reputation
  • Business interruption or opportunity costs
  • Cost of substitute services or products
  • Any other intangible losses

THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF BREAKEVEN SMB HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF THE LIMITED REMEDIES PROVIDED HEREIN FAIL OF THEIR ESSENTIAL PURPOSE.

IN NO EVENT SHALL BREAKEVEN SMB'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID TO BREAKEVEN SMB FOR USE OF THE SERVICES, WHICH IS ZERO DOLLARS ($0.00) AS OUR SERVICES ARE PROVIDED FREE OF CHARGE.

User Responsibility and Assumption of Risk

USERS ARE SOLELY RESPONSIBLE FOR THEIR USE OF OUR CALCULATORS AND THE DECISIONS MADE BASED ON THE RESULTS. By using our Services, you acknowledge and agree that:

  • You understand the limitations of the calculators and the information provided
  • The results are estimates based solely on the information you provide
  • Actual results may differ significantly from calculated results
  • You will exercise your own independent judgment when using the information
  • You will seek professional advice when making significant business or financial decisions
  • You assume all risks associated with your use of the calculators and reliance on the results
  • You are responsible for verifying the accuracy of any calculations before making decisions

Data Inputs and Output Reliability

The accuracy and usefulness of results from our calculators is entirely dependent on the accuracy, completeness, and appropriateness of the data entered by the user. We do not verify, validate, or audit the information provided by users. Users are solely responsible for ensuring the accuracy, completeness, and appropriateness of all data entered into our calculators.

We strongly recommend that users:

  • Double-check all inputs for accuracy before relying on results
  • Verify all results using alternative methods or tools
  • Consult with qualified professionals before making decisions based on calculations
  • Consider the results as one input among many in the decision-making process

Market Conditions, Assumptions, and Variables

Our calculators make various assumptions about market conditions, business operations, economic factors, and other variables. These assumptions may not reflect current market realities, future conditions, or the specific circumstances of individual businesses or users.

Factors that can affect actual results include but are not limited to:

  • Economic recessions, booms, or market volatility
  • Changes in interest rates, inflation, or currency exchange rates
  • Competitive pressures and market entry by competitors
  • Changes in consumer preferences and buying behavior
  • Technological changes and disruptions
  • Regulatory changes and compliance costs
  • Unforeseen events such as natural disasters, pandemics, or geopolitical events
  • Operational challenges and unexpected expenses

Users should understand that market conditions can change rapidly and significantly affect financial outcomes in ways that cannot be predicted by calculators.

Tax Implications and Regulatory Compliance

Our calculators do not account for tax implications, which can significantly affect financial outcomes. Tax laws are complex, vary significantly by jurisdiction, and change frequently. The tax treatment of business income, expenses, deductions, and credits can substantially impact net results.

Users should consult with qualified tax professionals to understand the tax implications of their business decisions, including:

  • Federal, state, and local income taxes
  • Self-employment taxes
  • Sales and use taxes
  • Payroll taxes
  • Property taxes
  • Industry-specific taxes and fees

Additionally, businesses are subject to various federal, state, and local regulations that may affect financial calculations and business operations. Our calculators do not account for regulatory requirements, licensing costs, compliance expenses, or industry-specific regulations that may apply to specific businesses or business types. Users are solely responsible for ensuring compliance with all applicable laws, regulations, and licensing requirements.

Third-Party Information and External Links

Any third-party information, data, research, or content referenced in our calculators or articles is provided for convenience and educational purposes only. We do not endorse, guarantee, or assume responsibility for the accuracy, completeness, reliability, or timeliness of third-party information. Users should verify third-party information independently before relying on it.

Our website may contain links to external websites, resources, or services that are not owned or controlled by BreakEven SMB. These links are provided for convenience and informational purposes only. We have no control over the content, privacy policies, or practices of any third-party websites or services. We do not endorse or accept any responsibility for the content, accuracy, or opinions expressed on external websites.

Users access external links at their own risk and should review the terms and privacy policies of any third-party websites they visit.

Changes to Calculators and Content

We reserve the right to update, modify, improve, or discontinue any calculator, tool, or content on our website at any time without prior notice. Changes may include updates to formulas, methodologies, user interfaces, or features. Past results or calculations should not be relied upon if the underlying methodology has been changed.

Users are responsible for staying informed about any updates that may affect their use of the calculators. We encourage users to review this disclaimer periodically for changes.

Indemnification

By using our calculators and Services, you agree to indemnify, defend, and hold harmless BreakEven SMB, its owners, employees, agents, affiliates, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or relating to:

  • Your use of our calculators and Services
  • Your reliance on any information or results provided by our calculators
  • Any decisions you make based on calculator results
  • Your violation of this disclaimer
  • Your violation of any rights of another party

Professional Consultation Strongly Recommended

WE STRONGLY RECOMMEND THAT ALL USERS CONSULT WITH QUALIFIED PROFESSIONALS BEFORE MAKING ANY SIGNIFICANT BUSINESS, FINANCIAL, OR INVESTMENT DECISIONS. The cost of professional advice is often small compared to the potential cost of making uninformed decisions.

Professionals who may be able to assist include:

  • Certified Public Accountants (CPAs): For tax planning, accounting, financial statement preparation, and general financial advice
  • Financial Advisors: For investment planning, retirement planning, and comprehensive financial planning
  • Business Attorneys: For legal structure decisions, contracts, regulatory compliance, and legal matters
  • Business Consultants: For strategic planning, operational improvements, and growth strategies
  • Tax Professionals: For tax planning, preparation, and compliance
  • Bankers and Lenders: For financing decisions, loan applications, and credit matters
  • Insurance Professionals: For risk management and insurance planning

Not for Emergency Use

Our calculators and Services are not intended for emergency financial situations. If you are facing immediate financial distress, urgent cash flow problems, or other time-sensitive financial crises, we strongly recommend seeking professional help immediately from qualified financial advisors, credit counselors, or other appropriate professionals rather than relying on our calculators.

Investment and Securities Disclaimer

Nothing on this website constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation for any security, investment product, or investment strategy. Our calculators are not intended to provide investment advice, and no calculator result should be interpreted as a recommendation to buy, sell, or hold any investment.

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Users should carefully consider their investment objectives, risk tolerance, and financial situation before making investment decisions.

Updates to This Disclaimer

We may update this disclaimer from time to time to reflect changes in our practices, legal requirements, or business operations. Users are responsible for reviewing this disclaimer periodically to stay informed about any changes. Continued use of our calculators and Services after changes to this disclaimer constitutes acceptance of the updated terms.

The date at the top of this page indicates when this disclaimer was last updated.

Severability

If any provision of this disclaimer is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Governing Law

This disclaimer shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law principles.

Contact Information

If you have questions about this disclaimer, our calculators, or how to interpret results, please contact us at:

Email: contact@breakevensmb.com

Response Time: We typically respond within 24-48 business hours.

Thank you for using BreakEven SMB. We hope our calculators serve as valuable educational tools in your business journey, and we encourage you to use them as part of a comprehensive approach to financial planning that includes professional advice when appropriate.