Terms of Service

Agreement to Terms

By accessing or using Calcmatic ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

We reserve the right to modify these terms at any time. Continued use of the Site after changes constitutes acceptance of the modified terms.

Description of Service

Calcmatic provides free online financial calculators for educational and informational purposes. Our calculators cover topics including but not limited to:

• • Mortgage and loan calculations
• • Investment and retirement planning
• • Tax estimation and planning
• • Debt management and payoff strategies
• • Savings goals and projections

All calculations are performed locally in your browser. We do not store, process, or have access to the data you enter into our calculators.

No Professional Advice

Nothing on this Site should be construed as:

• • Financial or investment advice
• • Tax advice or tax preparation services
• • Legal advice
• • Accounting services
• • A recommendation to buy, sell, or hold any financial instrument

We are not licensed financial advisors, accountants, attorneys, or tax professionals. Any decisions you make based on information from this Site are made at your own risk.

Accuracy of Information

While we strive to provide accurate calculations and up-to-date information:

• • Tax rates, limits, and rules change frequently and may not reflect current law
• • Financial formulas use standard calculations that may not apply to every situation
• • Results are estimates and should not be relied upon for exact figures
• • We make no guarantees about the completeness or accuracy of any calculation

You are responsible for verifying any information before making financial decisions.

Prohibited Uses

You agree not to:

• • Use the Site for any unlawful purpose
• • Attempt to interfere with the Site's operation or security
• • Scrape, copy, or redistribute Site content without permission
• • Use automated systems to access the Site in a manner that exceeds reasonable use
• • Misrepresent calculator results as professional financial advice

Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, calculator designs, and software, is the property of Calcmatic or its content suppliers and is protected by intellectual property laws.

You may use our calculators for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works from our content without express written permission.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CALCMATIC AND ITS OPERATORS SHALL NOT BE LIABLE FOR:

• • Any direct, indirect, incidental, or consequential damages arising from your use of the Site
• • Financial losses resulting from decisions made based on calculator results
• • Errors or inaccuracies in calculations or educational content
• • Service interruptions or technical issues

You use this Site entirely at your own risk.

Indemnification

You agree to indemnify and hold harmless Calcmatic, its operators, and affiliates from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

Governing Law

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 Site shall be resolved in the appropriate courts.

Contact

If you have questions about these Terms of Service, contact us at: