Terms of Service

1. Acceptance

By accessing or using Calcenta, you agree to be bound by these Terms of Service. If you do not agree, please do not use the site.

2. The service

Calcenta provides free online calculators and reference content. The service is offered as-is, at no charge, without any account or registration. We may add, change, or remove calculators at any time without notice.

3. Results are estimates, not advice

This is the most important term on this page. Every result this site produces is an estimate for general informational purposes only. Nothing here is financial, investment, tax, legal, or medical advice, and no professional relationship is created by your use of the site.

Calculators rely on simplifying assumptions and on the figures you enter. Real mortgage rates, tax withholding, insurance costs, and health measurements depend on circumstances a calculator cannot see. Always confirm important figures with a qualified professional before acting on them. See our full Disclaimer.

4. Acceptable use

You agree not to:

• Use automated systems to scrape, mirror, or overload the site;
• Attempt to gain unauthorized access to any part of the service or its systems;
• Interfere with the operation of the site or the advertising that funds it;
• Click advertisements artificially, or encourage others to do so, whether by script or instruction;
• Use the site for any unlawful purpose or in breach of any applicable regulation.

5. Intellectual property

The design, written explanations, calculator implementations, and other original content on this site are owned by Calcenta and protected by copyright. You may read, print, and reference this content for personal use, and you may link to any page freely.

You may not republish substantial portions of our written content, present it as your own, or use it to train a competing service without written permission. Mathematical formulas themselves are not owned by anyone; our explanations of them are.

6. Advertising

This site is funded by advertising served through Google AdSense. Advertisements are selected by Google, not by us, and their presence is not an endorsement. We do not control the content of third-party advertisements or the sites they link to. See our Privacy Policy for how advertising cookies work and how to opt out.

7. Third-party links

Some pages link to external sites for reference. We are not responsible for the content, accuracy, or practices of any site we link to.

8. Disclaimer of warranties

The service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or that any calculation will be free from defects.

9. Limitation of liability

To the fullest extent permitted by law, Calcenta and its operator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, savings, or data, arising from your use of or inability to use the site - including any decision made in reliance on a calculated result.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you. Nothing in these terms limits liability for fraud, or for death or personal injury caused by negligence, where such limitation is not permitted.

10. Indemnification

You agree to indemnify and hold harmless Calcenta and its operator from any claim arising out of your misuse of the site or your violation of these terms.

11. Changes to these terms

We may revise these terms at any time. The revision date at the top of this page reflects the current version, and continued use of the site after a change constitutes acceptance.

12. Governing law

These terms are governed by the laws applicable in the operator’s jurisdiction, as stated on our About page, without regard to conflict-of-law provisions.

13. Contact

Questions about these terms can be sent to contact@calcenta.com, or through our contact page.