CareerCapital

Terms of Service

Last updated: March 2, 2026

By using careerreturns.com ("CareerCapital," "the site," "we," or "us"), you agree to these Terms of Service. If you do not agree, please stop using the site.

Important: Not Financial Advice

All content on CareerCapital — including the MBA ROI Calculator, break-even analysis, salary data, and editorial articles — is provided for educational and informational purposes only. Nothing on this site constitutes financial advice, investment advice, or a recommendation to attend or not attend any educational program. You should consult a qualified financial advisor before making any significant financial decision.

1. Use of the Site

CareerCapital grants you a limited, non-exclusive, non-transferable license to access and use the site for personal, non-commercial purposes. You may not:

  • —Scrape, copy, or systematically extract content or data from the site using automated tools
  • —Reproduce, republish, or redistribute site content (including calculator logic, salary data, or editorial articles) without written permission
  • —Use the site in any way that could damage, disable, or impair its operation
  • —Attempt to gain unauthorized access to any portion of the site or its infrastructure
  • —Use the site's content to build a competing product or service

2. Calculator Accuracy and Limitations

The MBA ROI Calculator produces estimates based on the inputs you provide and mathematical models that simplify complex financial realities. These outputs:

Are not guaranteed to be accurate

Salary projections, break-even timelines, NPV, and IRR figures are estimates. Actual outcomes depend on factors outside the calculator's scope including economic conditions, individual job performance, and specific employer practices.

Rely entirely on your inputs

If your assumptions are wrong (salary figures, tuition, loan rate), the outputs will be wrong. Garbage in, garbage out. We provide suggested ranges from third-party sources as a reference, but we do not verify individual program costs or employer compensation data.

Do not account for non-financial factors

Career trajectory, professional network, personal satisfaction, and credential signaling have real value that the calculator does not quantify. These terms do not prevent you from considering them in your decision.

Are not a substitute for professional advice

Before committing $150,000–$400,000 to an educational investment, consult a certified financial planner, a tax professional, and ideally alumni from the programs you are considering.

3. Salary and Program Data

Salary figures, tuition costs, and placement data referenced on the site are sourced from publicly available reports (GMAC, school employment reports, NACE, and other third-party sources) and are updated periodically. We do not guarantee the accuracy, completeness, or timeliness of this data. Compensation varies significantly by individual, employer, geography, and economic conditions. Historical data is not predictive of future outcomes.

4. Intellectual Property

All content on CareerCapital — including text, calculator logic, data visualizations, page designs, and site structure — is owned by CareerCapital and protected by applicable copyright and intellectual property laws. You may quote short excerpts (under 100 words) for non-commercial purposes provided you link back to the original page. All other use requires written permission.

5. Disclaimer of Warranties

The site is provided "as is" and "as available" without warranty of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses. We make no warranties about the accuracy, completeness, or reliability of any content. Your use of the site is at your own risk.

6. Limitation of Liability

To the fullest extent permitted by applicable law, CareerCapital and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the site or reliance on any content or calculator output — including but not limited to financial losses, lost profits, or damage arising from educational or career decisions made using the site. Our total liability for any claim related to the site shall not exceed $0, as the site is provided free of charge.

7. External Links

The site may contain links to third-party websites (school websites, government data sources, research reports). These links are provided for convenience and reference only. We do not endorse, control, or accept responsibility for the content of external sites. Visiting external links is at your own risk.

8. Changes to These Terms

We may update these Terms at any time. Changes take effect when posted to this page. The "Last updated" date at the top of this page indicates when the most recent revision was made. Continued use of the site after changes constitutes acceptance.

9. Governing Law

These Terms are governed by the laws of the United States. Any disputes arising from use of the site shall be resolved in a court of competent jurisdiction in the United States. If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

10. Contact

Questions about these Terms can be directed to legal@careerreturns.com.