Terms of Use

1. Acceptance of Terms

By accessing or using calculator-free.com ("Site," "we," "us," or "our"), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use this website.

These Terms of Use apply to all visitors, users, and others who access or use the Site. We reserve the right to update these terms at any time. Your continued use of the Site after any such changes constitutes your acceptance of the new terms. We recommend reviewing this page periodically.

2. Disclaimer — Calculators Are Estimates Only

The calculators provided on this website — including but not limited to the mortgage calculator, BMI calculator, tip calculator, savings calculator, and percentage calculator — are designed to provide general estimates based on the values you enter. They are mathematical tools and do not constitute advice of any kind.

Financial calculators: The mortgage calculator and savings calculator produce estimates based on standard mathematical formulas. Actual loan payments, interest rates, total costs, and investment returns will depend on your specific lender's terms, fees, current market conditions, tax treatment, and other factors that these calculators cannot account for. Do not make any financial decisions — including home purchases, loan applications, or investment choices — based solely on estimates from this website. Consult a licensed mortgage lender, financial advisor, or certified public accountant.

Health calculators: The BMI calculator uses a standard formula developed for population-level health research. BMI is a screening tool, not a diagnostic instrument. It does not account for muscle mass, fat distribution, age, sex, ethnicity, or individual health history. A BMI result from this calculator is not a medical diagnosis and should not be treated as one. Consult your physician or a registered healthcare professional for any health-related decisions.

General calculators: The tip calculator and percentage calculator are mathematical utilities. While we strive for accuracy, results should be verified independently for any high-stakes use.

3. Intellectual Property

All content on calculator-free.com — including but not limited to the website design, code, text, graphics, user interface, and the selection and arrangement thereof — is owned by or licensed to calculator-free.com and is protected by applicable intellectual property laws, including copyright law.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial purposes. This license does not include:

• Reproducing, distributing, or publicly displaying any content from the Site without our written permission
• Modifying or creating derivative works based on the Site's content or code
• Scraping, crawling, or systematically downloading content for any automated purpose
• Framing or mirroring any part of the Site on another website
• Using any meta tags or other hidden text using our name or trademarks without our written consent

If you wish to link to calculator-free.com from your website, you may do so freely, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

4. Acceptable Use

You agree to use calculator-free.com only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit anyone else's use and enjoyment of the Site. You agree not to:

• Use the Site in any way that violates any applicable local, national, or international law or regulation
• Attempt to gain unauthorized access to any part of the Site, the servers on which it is stored, or any server, computer, or database connected to the Site
• Attack the Site via a denial-of-service attack, distributed denial-of-service attack, or any other disruptive means
• Transmit any unsolicited or unauthorized advertising or promotional material or any other form of spam
• Introduce viruses, trojans, worms, logic bombs, or any other material that is malicious or technologically harmful
• Use automated tools to access or interact with the Site in ways that impose an unreasonable load on our infrastructure

5. Limitation of Liability

To the fullest extent permitted by applicable law, calculator-free.com, its owners, operators, and contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, business, or goodwill
• Financial losses arising from reliance on calculator results
• Health consequences arising from reliance on BMI or other health estimates
• Any other damages or losses arising from your use of or inability to use the Site

Our total liability to you for any claims arising from these Terms or your use of the Site shall not exceed $100 USD, even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages. In such jurisdictions, our liability is limited to the fullest extent permitted by law.

6. No Warranties

calculator-free.com is provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or usefulness of any information on the Site.

7. Third-Party Services

This Site uses third-party services including Google AdSense (for advertising), Google Analytics (for usage statistics), and Google Fonts (for typography). These services are subject to their respective terms of service and privacy policies, which are independent of these Terms of Use. We are not responsible for the practices of these third-party services.

8. Governing Law

These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions. Any disputes arising from these terms or your use of the Site shall be resolved through good-faith negotiation, and if that fails, through binding arbitration or in a court of competent jurisdiction.

9. Contact

If you have questions about these Terms of Use, please contact us at [email protected]. We aim to respond within 2–3 business days.