Terms of Use

1. Acceptance of Terms

By accessing or using the CalcHQ website at calchq.io (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

2. Use of Calculators — Informational Purposes Only

All calculators, tools, and results provided on CalcHQ are for informational and educational purposes only. They do not constitute financial, medical, legal, or professional advice of any kind. Results are estimates based on the inputs you provide and standard formulas; they may not reflect your actual situation.

Before making any financial, health, or legal decisions, you should consult a qualified professional such as a licensed financial advisor, physician, attorney, or accountant. CalcHQ expressly disclaims any liability for decisions made based on calculator results.

3. Accuracy of Information

We strive to keep our calculators accurate and up to date. However, CalcHQ makes no warranties or representations, express or implied, about the completeness, accuracy, reliability, suitability, or availability of any information, calculator, or related content on the Site. Tax rates, interest rates, and other figures used in calculations may change and may not reflect current values.

4. Intellectual Property

All content on the Site, including but not limited to text, calculator logic, design, graphics, and code, is the property of CalcHQ or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on the Site without express written permission.

5. Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorised access to any part of the Site or its infrastructure
• Scrape, crawl, or systematically download content from the Site in a manner that places excessive load on our servers
• Use automated tools to submit inputs to calculators in bulk
• Reproduce or republish calculator results for commercial purposes without permission

6. Third-Party Advertising

The Site displays advertisements served by Google AdSense and potentially other third-party advertising networks. These advertisements are provided by third parties and CalcHQ does not endorse or take responsibility for the content of any advertisement. Third-party advertisers may use cookies and similar technologies in accordance with their own privacy policies.

7. Links to Third-Party Sites

The Site may contain links to third-party websites. These links are provided for your convenience only. CalcHQ has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

8. Limitation of Liability

To the fullest extent permitted by law, CalcHQ shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or reliance on any calculator result, even if CalcHQ has been advised of the possibility of such damages. In no event shall CalcHQ's total liability to you exceed the amount you paid to access the Site (which, as the Site is free, is zero).

9. Disclaimer of Warranties

The Site 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. CalcHQ does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Changes to These Terms

CalcHQ reserves the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised terms.

11. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

12. Contact

If you have any questions about these Terms of Use, please contact us at: [email protected]