Terms of Service
Effective date: July 22, 2026
Free tool, honest estimates. Who Takes My Money is a free educational tool. All savings figures are typical estimates presented as ranges. They are not guarantees, quotes, or offers. Your actual results will vary based on your circumstances.
Not financial, legal, or tax advice. Nothing on this site is investment, legal, or tax advice. The 10-year figure shown is simple multiplication of monthly savings, not a projection of investment returns.
Insurance services. Insurance products and quotes are provided by licensed insurance agents. Gilbert Aguirre, CA License #0B81811, in partnership with Trio Insurance & Financial Services, Oakland, CA. Products are only offered in states where the agents are licensed.
Acceptable use. Do not misuse the site, submit false information, or attempt to disrupt its operation.
No warranty. The site is provided as-is without warranties of any kind. We are not liable for decisions made based on the estimates shown.
Changes. We may update these terms; continued use after changes constitutes acceptance.