Terms of Service

1. Acceptance of terms

By accessing or using Calculy.io ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service. These Terms apply to all visitors and users of Calculy.io.

2. Description of service

Calculy.io provides free online calculators for finance, health, mathematics, and everyday calculations. The Service is provided "as is" for informational and educational purposes. We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice.

3. Permitted use

You may use Calculy.io for:

• Personal financial planning and budgeting
• Educational purposes
• Business research and analysis
• Embedding our publicly available tools on your own website (with attribution)

You may not use Calculy.io to:

• Systematically scrape, copy, or harvest content or data from the site without prior written permission
• Use automated tools (bots, spiders, scrapers) to access the Service at scale
• Attempt to bypass, disable, or interfere with any security features
• Use the Service in any way that could damage, overload, or impair our servers or networks
• Reproduce, republish, or commercially resell our content without permission
• Use the Service for any unlawful purpose or in violation of any applicable laws

4. Intellectual property

All content on Calculy.io — including text, design, code, graphics, and the selection and arrangement thereof — is owned by or licensed to Calculy and is protected by Australian and international copyright laws.

You may not reproduce, distribute, or create derivative works from our content without express written permission, except for fair use purposes (personal research, commentary, news reporting, or education).

5. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by law, Calculy disclaims all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the Service will be uninterrupted, error-free, or free of viruses
• Warranties regarding the accuracy, completeness, or reliability of calculator results

Calculator results are based on standard mathematical formulas and the inputs you provide. Results are estimates and may differ from results provided by financial institutions, healthcare providers, or other professionals. Always verify important calculations with a qualified professional.

6. Not professional advice

Calculy does not provide financial, investment, legal, tax, medical, or any other professional advice. Our calculators are educational tools only. The results they produce:

• Do not constitute financial advice under the Corporations Act 2001 (Cth) or any other legislation
• Do not constitute medical advice under any applicable health legislation
• Should not be relied upon as the sole basis for any financial, investment, or health decision
• May not account for your specific circumstances, tax position, or risk profile

Before making significant financial or health decisions, please consult a licensed financial adviser, accountant, doctor, or other qualified professional.

7. Limitation of liability

To the maximum extent permitted by Australian law, Calculy and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Service
• Any errors or inaccuracies in calculator results
• Any decisions made based on information provided by the Service
• Unauthorised access to or alteration of your data
• Any other matter relating to the Service

Nothing in these Terms limits any rights you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) that cannot be excluded by contract.

8. Third-party links and services

The Service may contain links to third-party websites and services, including advertising networks (Google AdSense) and analytics providers (Vercel Analytics). We are not responsible for the content, privacy practices, or terms of those third parties. Links do not imply endorsement.

9. Advertising

Calculy.io displays advertisements served by Google AdSense and potentially other advertising networks. Advertisements are clearly identified. We do not endorse products or services advertised on our platform unless explicitly stated.

Advertisers do not have any influence over our calculator formulas, results, or editorial content. Our calculations are independent of our advertising relationships.

10. Privacy

Your use of the Service is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference.

11. Modifications to terms

We reserve the right to modify these Terms at any time. Material changes will be communicated by updating the "Last updated" date. Continued use of the Service after changes constitutes acceptance of the updated Terms.

12. Governing law

These Terms are governed by the laws of Australia. Any disputes arising from these Terms or your use of the Service will be subject to the exclusive jurisdiction of the courts of Australia.

13. Contact

For questions about these Terms, contact us at info@calculy.io or via our contact form.