Last updated: August 30, 2026
By accessing and using BlueSky FI (blueskyfi), operated by Mad Concepts, LLC ("Services"), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Services. Made with love in New Jersey.
IMPORTANT: Our calculators, tools, chatbot responses, recommendations, market insights, and educational plan-review explanations are provided for educational and informational purposes only. They do NOT constitute financial advice, investment advice, tax advice, legal advice, or mortgage advice.
The results generated by our calculators are estimates based on the information you provide and standard financial formulas. Actual results may vary significantly based on individual circumstances, market conditions, lender requirements, and other factors.
Use of our calculators, tools, chatbot responses, recommendations, market insights, and educational plan-review explanations does not create a professional relationship between you and BlueSky FI or Mad Concepts, LLC. We are not acting as your financial advisor, investment adviser, mortgage broker, tax professional, or attorney.
Any educational plan-review explanation is based on the information you provide and does not create an advisor-client, fiduciary, tax preparer-client, or attorney-client relationship.
BlueSky FI is not a law firm and does not provide legal advice, legal representation, or legal services of any kind. Any information provided across our calculators, chatbot responses, tools, recommendations, market insights, and educational plan-review explanations is for educational purposes only.
By using our Services, you acknowledge and consent to data collection described in our Privacy Policy, including profile inputs saved in cookies/local storage and, for registered users, synchronization of profile and subscription data to our database. You agree not to enter personally identifiable information of third parties without their consent.
Before making any financial decisions, including but not limited to mortgage applications, tax planning, or real estate transactions, you should consult with qualified professionals including:
While we strive to provide accurate calculations, we make no warranties or representations about the accuracy, reliability, or completeness of the calculator results. Interest rates, tax rates, and market conditions change frequently and may differ from the assumptions used in our calculators.
We do not guarantee any specific outcome, savings, return, debt-reduction result, or financial performance from using our Services.
If you choose to leave a voluntary tip or purchase optional offerings through a third-party provider (such as Ko-fi), payment processing is handled by that provider and subject to its terms and policies.
To the fullest extent permitted by law, BlueSky FI and Mad Concepts, LLC shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our Services, including any decisions made based on calculator results.
All content, features, and functionality of the Services, including but not limited to text, graphics, logos, and software, are owned by BlueSky FI and/or Mad Concepts, LLC and are protected by copyright and other intellectual property laws.
We reserve the right to modify these Terms at any time. Continued use of the Services after any changes constitutes acceptance of the new Terms.
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.
For questions about these Terms & Conditions, please contact us at legal@blueskyfi.org.
