Terms of use
Last reviewed ·You can read, use and share our files and free tools. They’re general education, not financial advice, so check your own situation before acting. Don’t misuse the site. We work hard to keep every number right, but we can’t promise it’s perfect.
Using the site
You’re welcome to read the files, use the calculators, and share links and share cards. Please don’t copy whole pages to republish them, scrape the site in bulk, try to break or overload it, or use our forms to send email to people who didn’t ask for it.
Not financial advice
Everything here is general information and a gut check. It isn’t personalized financial, legal, tax or investment advice, and using the site doesn’t make us your advisor. Laws and prices change and differ by place. See our disclosures.
Accuracy
We source every number and show a “Last reviewed” date on each file, but mistakes and outdated figures can happen. If you spot one, email hello@theadultfiles.com and we’ll fix it.
Other websites
We link to sources and, sometimes, to partners. We’re not responsible for other websites’ content or practices.
Our content
The text, design, characters, logo and tools are ours. Quotes from sources belong to their owners and are used for commentary and reference.
Liability
To the extent the law allows, the site is provided “as is”, and we’re not liable for decisions you make or losses that follow from using it.
Changes
We may update these terms. The date at the top shows the latest version.