Terms of Service

Agreement to Terms

Welcome to CalcWise! These Terms of Service ("Terms") govern your use of the CalcWise website and financial calculators (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, please do not use our Service.

Use of Service

Permitted Use

CalcWise provides free financial calculators for personal, educational, and commercial use. You may:

• Use our calculators for personal financial planning
• Share calculator results and links with others
• Use calculators in educational settings
• Reference our calculators in professional contexts (with attribution)

Prohibited Use

You agree not to:

• Use our Service for any illegal or unauthorized purpose
• Attempt to interfere with, compromise, or disrupt the Service
• Use automated systems (bots, scrapers) to access the Service excessively
• Reproduce, duplicate, copy, or resell any part of our Service without permission
• Remove or obscure any copyright, trademark, or other proprietary notices
• Reverse engineer or attempt to extract source code from our Service

Disclaimer of Warranties

IMPORTANT: CalcWise provides calculators and information for educational and informational purposes only.

• No Financial Advice: Our calculators do not constitute financial, legal, tax, or investment advice. Results should not be used as the sole basis for financial decisions.
• Accuracy: While we strive for accuracy, we make no warranties about the completeness, reliability, or accuracy of our calculators or results.
• "As-Is" Basis: The Service is provided "as is" and "as available" without warranties of any kind, either express or implied.
• Use at Your Own Risk: You are solely responsible for any decisions you make based on information from our calculators.

Calculator Accuracy and Limitations

Our calculators use industry-standard financial formulas. However:

• Results Depend on Inputs: Accuracy depends entirely on the information you provide. Incorrect inputs will produce incorrect results.
• Simplified Models: Calculators may use simplified financial models that don't account for every possible variable or scenario.
• Estimates Only: Results are estimates and projections, not guarantees. Actual financial outcomes may differ significantly.
• Market Changes: Interest rates, investment returns, and other financial factors change over time and may differ from calculator assumptions.
• Regional Variations: Tax laws, lending practices, and regulations vary by location. Our calculators may not reflect local requirements.

Limitation of Liability

To the maximum extent permitted by law, CalcWise and its operators, employees, and affiliates shall not be liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Financial losses resulting from decisions made based on our calculators
• Errors, mistakes, or inaccuracies in calculator results
• Service interruptions, downtime, or technical issues
• Unauthorized access to or alteration of your data

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

Intellectual Property

The Service and its original content, features, and functionality are owned by CalcWise and are protected by international copyright, trademark, and other intellectual property laws.

Permitted Use of Content: You may link to our calculators and share calculation results. When referencing CalcWise in publications or presentations, please provide attribution.

Restrictions: You may not copy, modify, distribute, sell, or lease any part of our Service or included software without our express written permission.

Links to Third-Party Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by CalcWise. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that CalcWise shall not be responsible or liable for any damage or loss caused by use of any such content, goods, or services available through third-party sites.

User-Generated Content

If you share calculator results via our "Share" feature:

• The shared URL encodes your calculation data
• Anyone with the URL can view your shared calculation
• You are responsible for controlling access to shared URLs
• We do not moderate or control shared calculation URLs
• You should not share sensitive financial information via public URLs

Service Availability

We strive to provide reliable, uninterrupted service. However:

• We do not guarantee that the Service will be available at all times
• The Service may be temporarily unavailable due to maintenance, updates, or technical issues
• We reserve the right to modify, suspend, or discontinue the Service at any time
• We are not liable for any service interruptions or unavailability

Changes to Service and Terms

We reserve the right to:

• Modify or discontinue any part of the Service at any time
• Update these Terms of Service periodically
• Change calculator functionality, formulas, or features

Material changes to these Terms will be posted on this page with an updated "Last Updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

Indemnification

You agree to indemnify, defend, and hold harmless CalcWise and its officers, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Financial decisions made based on our calculators

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Any disputes arising from these Terms or use of the Service should first be attempted to be resolved informally by contacting us. If informal resolution is unsuccessful, disputes shall be resolved through binding arbitration in accordance with applicable arbitration rules.

Severability

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, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CalcWise regarding the use of our Service, superseding any prior agreements.

Contact Information

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

• Email: legal@calcwiser.com
• Website: https://calcwiser.com