Last updated: April 13, 2026
By accessing or using Horse Cost Calculator ("the Service"), you agree to be bound by these Terms of Use. If you do not agree to these terms, you must not use the Service. Your continued use of the Service constitutes ongoing acceptance of these terms and any future modifications.
Horse Cost Calculator is a free, web-based tool that provides estimated annual costs of horse ownership based on user-provided inputs and regional average data. The Service is provided for general informational and educational purposes only.
The Service does not provide and is not intended to provide financial advice, legal advice, veterinary advice, tax advice, or any other form of professional advice. All information, estimates, and calculations are approximate and should not be relied upon as the basis for any decision. You should always consult with qualified professionals before making decisions related to horse ownership, financial planning, or any other matter addressed by this Service.
While we strive to provide reasonable estimates, we make no representations or warranties regarding the accuracy, reliability, completeness, or timeliness of any information provided by the Service. Cost data is based on general regional averages and may not reflect actual prices in your specific location or circumstances. Actual costs can and will vary significantly based on numerous factors outside our control.
You expressly acknowledge and agree that your use of the Service is at your sole risk. Any reliance you place on information provided by the Service is strictly at your own risk. You are solely responsible for any decisions, actions, or financial commitments you make based on information from the Service.
To the maximum extent permitted by applicable law, the owner, operator, creators, contributors, and affiliates of this Service shall not be liable for any damages whatsoever, including but not limited to direct, indirect, incidental, special, consequential, exemplary, or punitive damages, arising out of or related to:
This limitation applies regardless of the theory of liability, whether based in contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless the owner, operator, creators, contributors, and affiliates of this Service from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the Service, your violation of these Terms, or your reliance on any information provided by the Service.
If you provide your email address through the Service, you consent to receiving communications from us. You may unsubscribe at any time using the unsubscribe link in any email. Your email information is handled in accordance with our email provider's privacy policy.
By providing your information through the Service (including but not limited to your email address, zip code, and calculator inputs), you acknowledge and agree that we may share this information with selected third-party partners, including but not limited to equine service providers, boarding facilities, insurance providers, farriers, trainers, veterinary practices, and other businesses relevant to horse ownership. Specifically:
By submitting your information, you represent that you understand and consent to this data sharing. If you do not wish for your information to be shared, do not submit it through the Service.
All content, design, code, and materials on this Service are the property of the Service owner and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Service without prior written permission.
Any downloadable files or materials provided through the Service are offered "as is" for personal, non-commercial use only. We make no warranties regarding the accuracy, completeness, or fitness for any purpose of downloadable materials. You assume all risk associated with downloading and using such materials.
The Service may display advertisements from third-party advertising networks and partners. These ads may be targeted based on general, non-personally-identifiable information such as page content or general geographic region. By using the Service, you acknowledge and agree that:
Ad revenue helps support the continued availability of this free Service. If you have concerns about specific advertisements, please contact us.
The Service may integrate with or link to third-party services (including but not limited to email subscription services and analytics providers). Your interactions with third-party services are governed by their respective terms and privacy policies. We are not responsible for the practices of any third-party service.
We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We also reserve the right to modify these Terms at any time. Changes take effect immediately upon posting. Your continued use of the Service after changes are posted constitutes acceptance of the modified 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. Any disputes arising from these Terms or your use of the Service shall be resolved in the courts of competent jurisdiction.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.
These Terms, together with the Disclaimer, constitute the entire agreement between you and the Service owner regarding your use of the Service and supersede all prior agreements and understandings.
If you have questions about these Terms of Use, please contact us at horsecostcalculator@gmail.com.