Terms of Service

Acceptance of Terms

By accessing and using CalcVault (calcvault.com), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

Description of Service

CalcVault provides free, browser-based financial calculators for educational and informational purposes. Our tools include mortgage calculators, compound interest calculators, retirement planners, debt payoff calculators, loan calculators, salary converters, investment return calculators, and budget planners.

Not Financial Advice

The calculators and content on CalcVault are provided for informational and educational purposes only. Nothing on this website constitutes financial, investment, tax, legal, or other professional advice. The results generated by our calculators are estimates based on the information you provide and standard financial formulas.

You should not make any financial decisions based solely on the output of our calculators. Always consult with a qualified financial advisor, accountant, or other professional before making important financial decisions.

Accuracy of Calculations

While we strive to ensure the accuracy of our calculators, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any calculations or results. Actual financial outcomes may differ from calculator estimates due to factors including but not limited to taxes, fees, insurance, market conditions, and changes in interest rates.

Use of the Website

You agree to use CalcVault only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the site in any way that violates applicable laws or regulations
• Attempt to interfere with the proper functioning of the website
• Attempt to access areas of the website that are not intended for public access
• Use automated systems or bots to access the website in a manner that exceeds reasonable use
• Reproduce, distribute, or create derivative works from our content without permission

Intellectual Property

All content on CalcVault, including text, graphics, logos, icons, and software, is the property of CalcVault and is protected by copyright and other intellectual property laws. You may use our calculators for personal, non-commercial purposes.

Third-Party Links and Advertisements

Our website may contain advertisements and links to third-party websites. We are not responsible for the content, accuracy, or practices of third-party sites. The inclusion of any link or advertisement does not imply endorsement by CalcVault.

Limitation of Liability

To the fullest extent permitted by law, CalcVault shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use the website or any information provided on it. This includes, without limitation, any financial losses resulting from reliance on calculator results.

Disclaimer of Warranties

CalcVault is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated date. Your continued use of CalcVault after changes are posted constitutes acceptance of the modified terms.

Governing Law

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

Contact Us

If you have any questions about these Terms of Service, please contact us at contact@calcvault.com.