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Last updated: July 1, 2025  ·  Contact us with questions
VelvetAndTimber provides free utility tools for everyday use. While we work hard to make them accurate and helpful, they are not a replacement for professional advice. Please read this disclaimer before relying on any results.

1 General Information Only

The tools, calculators, and content on VelvetAndTimber are provided for general informational and utility purposes only. Nothing on this website should be construed as professional advice — medical, financial, legal, nutritional, or otherwise.

While we strive to build accurate tools and keep our blog content up to date, information can become outdated or contain errors. Always verify important results through qualified professionals or authoritative sources before making decisions that affect your health, finances, or legal standing.

2 Health & Medical Tools

Our BMI Calculator and Age Calculator are designed as educational references, not diagnostic tools. BMI is a population-level metric with well-documented limitations — it does not account for muscle mass, bone density, body composition, age, or ethnicity.

Do not use our health tools to make medical decisions. If you have concerns about your health, weight, or wellbeing, consult a qualified healthcare provider, physician, or registered dietitian.

3 Financial & Loan Tools

Our Loan Calculator, Tip Calculator, and Percentage Calculator provide mathematical estimates for educational and planning purposes. Actual loan terms — including interest rates, fees, insurance, and repayment schedules — vary significantly between lenders and depend on your individual credit profile.

Do not make financial decisions based solely on our calculators. Consult a licensed financial advisor, mortgage broker, or bank representative before taking out any loan or making significant financial commitments.

4 Password & Security Tools

Our Password Generator creates random passwords in your browser with no server involvement. However, password security also depends on how you store, use, and protect your passwords. We recommend using a reputable password manager alongside our tool.

We make no guarantees that passwords generated by our tool cannot be cracked by sufficiently advanced systems or brute-force attacks. Use long, complex passwords and enable two-factor authentication wherever possible.

5 Text & Conversion Tools

Our text and unit conversion tools are designed for general use. Unit conversion results are based on standard international definitions and should be accurate for everyday purposes. For high-precision scientific, engineering, or legal applications, verify results against certified references.

6 Accuracy & Errors

We make every reasonable effort to ensure the accuracy of our tools and content. However, we cannot guarantee that all results are free from errors. If you notice an inaccuracy in any of our tools or articles, please let us know — we take reports seriously and investigate them promptly.

7 No Liability

By using VelvetAndTimber, you acknowledge that you do so at your own risk. We shall not be liable for any loss, injury, or damage of any kind resulting from your use of, or reliance on, the information or tools provided on this website. See our Terms of Service for the full limitation of liability.

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