Terms of Service
These Terms of Service govern your use of CalcWise and our calculator tools. By accessing and using our website, you agree to be bound by these terms.
1. Agreement to Terms
By accessing and using CalcWise (calcwise.org), you acknowledge that you have read, understood, and agree to be bound by all of these Terms of Service. If you do not agree with any part of these terms, you may not use our services.
2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on CalcWise for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
- Modify or copy the materials
- Use the materials for any commercial purpose or for any public display
- Attempt to decompile or reverse engineer any software
- Remove any copyright or other proprietary notations from the materials
- Transfer the materials to another person or "mirror" the materials on any other server
- Use our services to develop competing calculator products or services
3. Disclaimer of Warranties
All materials on CalcWise are provided on an "as is" basis. CalcWise makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
While we strive for accuracy, all calculations should be considered estimates for informational purposes only. We do not guarantee the accuracy of calculations and are not responsible for any errors or omissions.
4. Limitations of Liability
In no event shall CalcWise or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on CalcWise, even if CalcWise or an authorized representative has been notified orally or in writing of the possibility of such damage.
5. Accuracy of Materials
The materials appearing on CalcWise could include technical, typographical, or photographic errors. CalcWise does not warrant that any of the materials on CalcWise are accurate, complete, or current. CalcWise may make changes to the materials contained on CalcWise at any time without notice.
6. Links to Third-Party Sites
CalcWise has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by CalcWise of the site. Use of any such linked website is at the user's own risk.
7. Modifications to Terms
CalcWise may revise these terms of service at any time without notice. By using CalcWise, you are agreeing to be bound by the then current version of these terms of service.
8. Use Restrictions
You agree not to use CalcWise for any of the following purposes:
- To engage in any conduct that restricts or inhibits anyone's use or enjoyment of CalcWise
- To transmit obscene, offensive, or objectionable material
- To disrupt the normal flow of dialogue within our website
- To attempt unauthorized access to our systems or networks
- To engage in any form of harassment or abuse
- For any illegal activity or to violate any laws or regulations
9. Financial and Legal Disclaimer
CalcWise calculators provide estimates and tools for educational purposes. They are not meant to replace professional financial, legal, medical, or tax advice. Before making any important financial, legal, or medical decisions, consult with appropriate qualified professionals. CalcWise is not liable for decisions made based on our calculator results.
10. No Professional Advice
Nothing on CalcWise should be construed as professional advice. Our calculators are tools designed to help you make calculations based on information you provide. We do not provide:
- Financial or investment advice
- Tax advice
- Medical or health advice
- Legal advice
11. Intellectual Property Rights
All content on CalcWise, including but not limited to text, graphics, logos, images, and software, is the property of CalcWise or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, or transmit the content without our prior written permission.
12. Indemnification
You agree to indemnify and hold harmless CalcWise and its officers, directors, employees, and agents from any and all claims, losses, damages, liabilities, and expenses (including attorney's fees) arising from your use of CalcWise or violation of these terms.
13. Governing Law
These terms and conditions are governed by and construed in accordance with the laws of the jurisdiction where CalcWise operates, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.
14. Contact Information
If you have any questions about these Terms of Service, please contact us at:
- Email: calcwise@outlook.com
- Response Time: We respond to inquiries within 48 hours