Terms of Use

1. Acceptance of Terms

By accessing and using Calc-Tech.com ("the Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use this Website. The Website reserves the right to modify these terms at any time without prior notice.

2. Use of Service

Calc-Tech.com provides free online calculators for personal and professional use. By using our calculators, you agree to:

• Use the calculators for lawful purposes only
• Not attempt to interfere with, compromise, or disrupt the Website's functionality
• Not use automated systems (bots, scrapers) without explicit permission
• Not reproduce, duplicate, copy, or resell any portion of the Website without permission
• Respect intellectual property rights

3. Disclaimer of Warranties

4. Not Professional Advice

The calculators and content on Calc-Tech.com do not constitute professional advice:

• Financial Calculators: Not a substitute for professional financial advice from licensed advisors
• Health Calculators: Not medical advice; consult healthcare professionals for health concerns
• Legal/Tax Matters: Consult appropriate professionals for legal or tax guidance

Always seek the advice of qualified professionals regarding specific questions or concerns.

5. Limitation of Liability

To the fullest extent permitted by law, Calc-Tech.com and its operators, owners, employees, and affiliates shall not be liable for:

• Any direct, indirect, incidental, special, or consequential damages
• Financial losses resulting from use of calculator results
• Errors, omissions, or inaccuracies in calculator outputs
• Interruption of service or unavailability of the Website
• Loss of data or information
• Any damages arising from third-party content or links

You use this Website and its calculators at your own risk and discretion.

6. User Responsibility

Users are responsible for:

• Verifying the accuracy of calculator results
• Using results as estimates only, not as definitive answers
• Double-checking calculations for important decisions
• Understanding the limitations of each calculator
• Consulting professionals when making significant financial, health, or legal decisions

7. Intellectual Property

All content on Calc-Tech.com, including text, graphics, logos, button icons, images, calculators, and software, is the property of Calc-Tech.com or its content suppliers and is protected by international copyright laws. Unauthorized use of any content may violate copyright, trademark, and other laws.

8. Third-Party Links

This Website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Accessing third-party links is at your own risk.

9. User Accounts

If you create an account on Calc-Tech.com, you are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Providing accurate and current information

10. Privacy

Your use of Calc-Tech.com is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.

11. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the modified terms. We encourage you to review this page periodically.

12. Termination

We reserve the right to terminate or suspend access to our service immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms. Upon termination, your right to use the service will cease immediately.

13. Governing Law

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 your use of the Website shall be subject to the exclusive jurisdiction of the courts in the applicable jurisdiction.

14. 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.

15. Entire Agreement

These Terms of Use constitute the entire agreement between you and Calc-Tech.com regarding your use of the Website and supersede all prior agreements and understandings.