Terms of Use
Last updated: 7 November 2026.
By using [SITE-NAME] ("the site"), you agree to these terms. If you do not agree, please do not use the site.
1. The Service
[SITE-NAME] provides free calculators and tools — including finance, health, maths, text, developer, generator and file tools — that run in your web browser. The tools are provided free of charge for personal and commercial use, such as checking your own numbers or preparing your own work. You do not need an account to use them.
2. Estimates, Not Advice
Results from the calculators are estimates based on the numbers you enter and on the formulas stated on each page. They are educational information, not financial, tax, legal or medical advice, and not a quote, offer or guarantee from any lender, employer, insurer or institution. Always verify important figures with the relevant professional or institution before acting on them. See our disclaimer for the full statement.
3. Acceptable Use
You agree to use the site lawfully and not to: (a) try to disrupt, overload or damage the site or its hosting; (b) use the tools to process content you do not have the right to process, including copyrighted material belonging to others; (c) use the site to mislead others, for example by presenting an estimate as a binding quote; (d) attempt to copy the site's code or content for republication as your own product without permission; or (e) use automated systems to scrape the site at a rate that harms its availability for other visitors.
4. Your Inputs and Files
Calculators and tools process your inputs locally in your browser. Files you open in the file tools are never uploaded to our server. You are responsible for the content you process, and for keeping copies of anything important — we do not store your work, so we cannot recover it if you close the page.
5. Intellectual Property
The text, design, code and arrangement of this site belong to [SITE-NAME] unless stated otherwise. You may link to any page, and you may use the results of a calculation freely. You may not copy substantial parts of the site's text or code and republish them as your own site or product. Short quotations with a link back are welcome.
6. Advertising
The site may show advertisements from Google AdSense and other networks. Advertisements are provided by those networks; we do not control their content and we do not endorse the products or services advertised. Clicking an advertisement takes you to the advertiser's website, which is governed by that advertiser's terms.
7. Availability and Accuracy
We work to keep the site available and the calculators correct, but we do not guarantee that the site will always be available, error-free, or suitable for any particular purpose. Formulas, tax tables, contribution limits and other figures are updated periodically and may become out of date; each tool page states its assumptions, and you should check current figures with an authoritative source for important decisions.
8. Limitation of Liability
To the fullest extent permitted by law, [SITE-NAME] and its owner are not liable for any loss or damage arising from your use of the site or reliance on its results, including financial loss, loss of data, or decisions made on the basis of an estimate. Your use of the site is at your own risk, and your only remedy for dissatisfaction with the site is to stop using it.
9. Changes
We may change these terms, the tools, or the site at any time. The current version of the terms will always be on this page, with the last-updated date at the top. Continued use of the site after a change means you accept the new terms.
10. Contact
Questions about these terms: email contact@calchub.com or use our contact page.