Terms of Service

Last Updated: October 19, 2025

1. Acceptance of Terms

Welcome to CalcTools Pro. By accessing or using our website at calctoolspro.com ("Website," "Service," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Website.

We reserve the right to modify these Terms at any time. Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms.

2. Description of Service

CalcTools Pro provides free online calculators for financial, health, and general purpose calculations. Our services include but are not limited to:

  • Mortgage and loan calculators
  • Investment and retirement calculators
  • Health and fitness calculators (BMI, calorie, TDEE)
  • Tax and budget calculators
  • Other calculation tools

All calculations are performed locally in your browser. We do not store your input data.

3. Use of Service

3.1 Permitted Use

You may use our Website for lawful, personal, and non-commercial purposes. You agree to:

  • Use the calculators for informational purposes only
  • Provide accurate information when using our tools
  • Respect intellectual property rights
  • Comply with all applicable laws and regulations

3.2 Prohibited Use

You agree NOT to:

  • Use the Website for any illegal or unauthorized purpose
  • Attempt to gain unauthorized access to any part of the Website
  • Interfere with or disrupt the Website or servers
  • Use automated systems (bots, scrapers) without permission
  • Copy, modify, distribute, or create derivative works
  • Remove copyright or proprietary notices
  • Transmit viruses, malware, or harmful code
  • Harass, abuse, or harm other users
  • Impersonate any person or entity
  • Use the Website for commercial purposes without authorization

4. Disclaimer of Warranties

IMPORTANT - PLEASE READ CAREFULLY:

THE WEBSITE AND ALL CALCULATORS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Accuracy, reliability, or completeness of calculations
  • Fitness for a particular purpose
  • Non-infringement
  • Uninterrupted or error-free operation
  • Security of data transmission

Our calculators provide estimates only and should not be considered professional financial, medical, or legal advice. Always consult qualified professionals for important decisions.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

CalcTools Pro, its owners, employees, and affiliates SHALL NOT BE LIABLE FOR ANY:

  • Direct, indirect, incidental, or consequential damages
  • Loss of profits, data, or business opportunities
  • Damages resulting from calculator inaccuracies or errors
  • Damages from reliance on information provided
  • Damages from unauthorized access or data breaches
  • Damages from viruses or other harmful components

This limitation applies even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow limitation of liability, so these limitations may not apply to you.

6. Indemnification

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

  • Your use or misuse of the Website
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Any content you submit to the Website

7. Accuracy of Calculations

No Guarantee of Accuracy: While we strive to provide accurate calculators, we do NOT guarantee the accuracy, completeness, or reliability of any calculations or results.

Factors affecting accuracy include:

  • User input errors
  • Simplified formulas and assumptions
  • Market changes and rate fluctuations
  • Individual circumstances not accounted for
  • Rounding and mathematical limitations

Verify with Professionals: For important financial, health, or legal decisions, always verify results with qualified professionals (financial advisors, accountants, doctors, lawyers).

8. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, code, and calculators, is the property of CalcTools Pro and protected by copyright, trademark, and other intellectual property laws.

You may not:

  • Copy, reproduce, or distribute Website content without permission
  • Use our trademarks or branding without authorization
  • Create derivative works based on our Website
  • Reverse engineer any calculator algorithms

Limited personal, non-commercial use is permitted for sharing links and making personal calculations.

9. User Content and Feedback

If you submit feedback, suggestions, or other content to us ("User Content"), you grant us a perpetual, worldwide, royalty-free license to use, modify, and incorporate such content.

You represent that:

  • You own or have rights to the User Content
  • User Content does not violate third-party rights
  • User Content is lawful and not offensive

10. Third-Party Links and Services

Our Website may contain links to third-party websites or services. We are NOT responsible for:

  • Content, accuracy, or availability of third-party sites
  • Privacy practices of external websites
  • Products, services, or information provided by third parties

Your use of third-party sites is at your own risk.

11. Advertising

We display advertisements through Google AdSense and other networks. We are not responsible for:

  • Content or accuracy of advertisements
  • Products or services advertised
  • Transactions with advertisers

Clicking on ads is at your own risk.

12. Privacy

Your use of the Website is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.

13. Termination

We reserve the right to:

  • Suspend or terminate your access without notice
  • Remove or disable content
  • Refuse service to anyone for any reason

Upon termination, you must cease all use of the Website.

14. Governing Law and Jurisdiction

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 use of the Website shall be resolved in the courts located in [Your State/Country], and you consent to the exclusive jurisdiction of such courts.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CalcTools Pro regarding use of the Website.

17. Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

18. Assignment

You may not assign or transfer these Terms without our written consent. We may assign these Terms at any time without restriction.

19. Contact Information

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

20. Acknowledgment

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.