1. What we provide
Calcvera offers free online calculators and educational articles about personal and small-business finance, taxes and benefits. The site is provided for general information and education only.
2. Not professional advice
Nothing on this site is financial, investment, tax, legal, insurance or medical advice, and using the site does not create a professional or fiduciary relationship. Calculator results are estimates based on the information you enter and on the assumptions described on each page. Always confirm important decisions with a qualified professional and with official sources. See our disclaimer.
3. Accuracy
We work hard to keep formulas and figures correct and up to date, but laws, rates and program rules change, and errors can happen. The site is provided “as is” and “as available”, without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose and non-infringement.
4. Acceptable use
You agree not to:
- use the site for any unlawful purpose;
- copy, scrape or republish substantial parts of the site’s content or code without permission;
- interfere with the site’s operation, security or advertising, including by generating invalid ad clicks or impressions;
- misrepresent your affiliation with Calcvera or imply our endorsement.
5. Intellectual property
The site’s text, design, graphics and code are owned by Creative Developer or its licensors and protected by copyright and other laws. You may use the calculators for your own personal or internal business purposes and share links to any page. Brief quotations with attribution and a link are welcome.
6. Third-party links and advertising
The site contains links to third-party websites and displays advertisements served by third parties. We don’t control and aren’t responsible for their content, products or practices, and an ad appearing on the site is not an endorsement.
7. Limitation of liability
To the fullest extent permitted by law, Creative Developer will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, savings or data, arising from your use of — or inability to use — the site or any calculator result. Where liability can’t be excluded, it is limited to the maximum extent the law allows.
8. Indemnity
You agree to indemnify and hold Creative Developer harmless from claims arising out of your misuse of the site or your violation of these terms.
9. Changes
We may update the site and these terms at any time. The “last updated” date shows the latest version. Continuing to use the site after changes means you accept the updated terms.
10. Governing law
These terms are governed by the laws of the place where the site operator is established, without regard to conflict-of-law rules. If any provision is found unenforceable, the rest remain in effect.
11. Contact
Questions about these terms? Email hello@calcvera.net.