Terms of Service

Last updated: October 2026

1. Acceptance of Terms

By accessing or using CalcFree (calcfree.online), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you disagree with any part of these terms, you should discontinue using the website.

2. Educational & Estimation Purpose Only

All calculators, content, formulas, and estimates provided on CalcFree are intended strictly for educational, planning, and illustrative purposes. They do not constitute formal financial underwriting, binding contractual loan terms, clinical medical advice, tax accounting certifications, or professional engineering specifications.

3. Disclaimer of Warranties

While we strive for absolute accuracy in implementing statutory formulas, rounding conventions, and mathematical algorithms, CalcFree is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied. CalcFree does not guarantee that calculations will be error-free or that results will match quotes from specific commercial lenders or statutory agencies.

4. Limitation of Liability

In no event shall CalcFree, its operators, or contributors be held liable for any financial losses, contractual discrepancies, physical injuries, or damages arising out of the use or inability to use the calculators or information provided on this website.

5. Intellectual Property

The design, editorial articles, original branding, and interface elements of CalcFree are the property of CalcFree and protected under applicable copyright and intellectual property standards. Mathematical formulas and public statutory rules themselves remain in the public domain.

6. Acceptable Use

You agree to use CalcFree lawfully and to not attempt to disrupt the website, misuse the Contact form (including bulk or automated submissions), or present CalcFree results as official documents, certificates, or binding quotes from a lender, employer, or government agency. The calculators are planning tools, and their outputs should be described as estimates whenever you share them.

7. Accuracy and Updates

Statutory rates, tax frameworks, and published guidelines change over time. CalcFree aims to keep its tools aligned with the frameworks they describe, and the worked examples on each tool show the figures used. Even so, results remain estimates: always verify a critical figure against the current official source or a qualified professional before acting on it, and if you believe a rate is out of date, please report it through the Contact form so it can be corrected.

8. Changes to These Terms and Severability

CalcFree may update these terms from time to time; the updated version will be published on this page with a new “Last updated” date, and continued use of the website after an update means you accept the updated terms. If any part of these terms is found unenforceable, the remaining parts continue to apply in full. Questions about these terms can be sent through the Contact form.