Terms of Service

These Terms of Service govern your use of Calcolator and our free online calculators. By using our website, you agree to these terms.

Last Updated: September 24, 2025

1. Acceptance of Terms

By accessing and using Calcolator (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Calcolator provides free online calculators for financial, health, academic, and utility calculations including:

• Financial calculators (EMI, loan, tax, savings, retirement, compound interest)
• Health calculators (BMI, body fat, calorie intake)
• Academic calculators (GPA, percentage, age)
• Utility calculators (unit converter, tip calculator)

3. Calculator Accuracy and Disclaimers

3.1 Educational Purpose

Our calculators are provided for educational and informational purposes only. Results should be used as estimates and guidelines, not as definitive financial, medical, or academic advice.

3.2 Accuracy Limitations

• Financial Calculators: Results are estimates based on the information you provide. Actual loan terms, interest rates, and fees may vary.
• Health Calculators: BMI and body fat calculations are general estimates and should not replace professional medical advice.
• Tax Calculators: Tax calculations are based on general tax rules and may not reflect your specific situation.

3.3 Professional Advice

Always consult with qualified professionals for:

• Financial planning and loan decisions
• Medical and health assessments
• Tax planning and compliance
• Academic and career guidance

4. User Responsibilities

4.1 Appropriate Use

• Use calculators for legitimate calculation purposes
• Provide accurate input data for reliable results
• Do not attempt to hack, damage, or disrupt the service
• Respect intellectual property rights

4.2 Prohibited Activities

You may not:

• Use automated systems to access the service excessively
• Attempt to reverse engineer or copy our calculators
• Use the service for illegal or harmful purposes
• Interfere with other users' access to the service

5. Intellectual Property Rights

5.1 Our Content

All content on Calcolator, including calculator algorithms, design, text, graphics, and software, is owned by Calcolator and protected by copyright and other intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use our calculators for personal, non-commercial purposes.

5.3 Restrictions

You may not:

• Copy, modify, or distribute our calculator code
• Create derivative works based on our service
• Remove copyright or proprietary notices
• Use our content for commercial purposes without permission

6. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

7. Limitation of Liability

7.1 No Warranties

Calcolator is provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of accuracy, reliability, or fitness for a particular purpose.

7.2 Limitation of Damages

In no event shall Calcolator be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• Use or inability to use our calculators
• Reliance on calculation results
• Financial decisions based on our calculators
• Technical errors or service interruptions

8. Service Availability

8.1 Uptime

We strive to maintain high service availability but do not guarantee uninterrupted access. The service may be temporarily unavailable due to maintenance, updates, or technical issues.

8.2 Modifications

We reserve the right to modify, suspend, or discontinue any part of the service at any time without prior notice.

9. Third-Party Services

Our website may include third-party services such as:

• Google Analytics: For website analytics
• Google AdSense: For displaying advertisements
• Google Fonts: For typography

These services are governed by their respective terms of service and privacy policies.

10. Advertising

We display advertisements through Google AdSense. Advertisers are responsible for their ad content. We do not endorse or guarantee any advertised products or services.

11. User-Generated Content

If you submit feedback, suggestions, or other content to us, you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and distribute such content for improving our service.

12. Indemnification

You agree to indemnify and hold harmless Calcolator from any claims, damages, or expenses arising from your use of the service or violation of these terms.

13. Governing Law

These terms are governed by the laws of [Your Jurisdiction]. Any disputes will be resolved in the courts of [Your Jurisdiction].

14. Changes to Terms

We may update these Terms of Service periodically. Continued use of the service after changes constitutes acceptance of the new terms. We'll notify users of significant changes by posting updates on this page.

15. Termination

We may terminate or suspend your access to the service immediately, without prior notice, for conduct that we believe violates these terms or is harmful to other users or the service.

16. Contact Information

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

• Website: Contact Form
• Email: legal@calcolator.com
• Address: Calcolator Legal Team, [Your Address]

17. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.