Terms of Use

1. Acceptance of Terms

By accessing or using CalcVault at calcvault.com (the "Service"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Service. We reserve the right to update these terms at any time, and your continued use of the Service constitutes acceptance of any changes.

2. Description of Service

CalcVault provides free, browser-based financial calculators for educational and informational purposes. The Service includes tools for calculating mortgage payments, loan amortization, investment growth, tax estimates, budget planning, and business financial metrics. All calculations run entirely in your browser; no data is transmitted to our servers.

3. Not Financial Advice

The calculators and content on CalcVault are provided for educational and informational purposes only. Nothing on this website constitutes financial, investment, tax, legal, or accounting advice. Calculator results are mathematical estimates based solely on the inputs you provide. You should not make financial decisions based solely on the results from our tools. Always consult a qualified financial advisor, accountant, or tax professional before making significant financial decisions.

4. Accuracy of Calculations

We strive to ensure our calculators use accurate financial formulas and up-to-date tax data (such as 2025 US federal tax brackets). However, we make no warranty that the results are accurate, complete, or up to date. Tax laws, interest rates, and financial regulations change frequently. Always verify results with official sources or a professional before relying on them.

5. Disclaimer of Warranties

The Service is provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components.

6. Limitation of Liability

To the maximum extent permitted by applicable law, CalcVault and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Service — including any financial decisions made based on calculator results. Our total liability to you for any claims shall not exceed $100 USD.

7. Intellectual Property

All content on CalcVault — including text, calculator designs, code, and graphics — is owned by or licensed to CalcVault. You may use the calculators for personal, non-commercial purposes. You may not copy, reproduce, distribute, or create derivative works from our content without prior written permission.

8. Prohibited Uses

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Scrape, crawl, or systematically extract data from the website
• Attempt to interfere with or disrupt the website's operation
• Circumvent or bypass any security features
• Use the Service for commercial purposes without our written permission (e.g., embedding our calculators in a competing product)

9. Third-Party Links

CalcVault may display advertisements via Google AdSense that link to third-party websites. We are not responsible for the content, accuracy, or privacy practices of those external sites. Clicking on an advertisement takes you to a third-party website subject to that site's own terms and policies.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions. Any disputes arising from these terms or your use of the Service shall be resolved through good-faith negotiation or, failing that, through binding arbitration.

11. Changes to These Terms

We reserve 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 Service after any changes constitutes your acceptance of the new terms.

12. Contact Us

If you have questions about these Terms of Use, please contact us at agusnawal40@gmail.com.