Terms of Service

👋 Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of CalcyVerse, operated at www.calcyverse.com ("Site," "we," "our," or "us").

By accessing or using CalcyVerse, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Site. These Terms apply to all visitors, users, and others who access or use the Site.

We reserve the right to update these Terms at any time. We will notify users of significant changes by updating the date at the top of this page. Continued use of the Site after any changes constitutes acceptance of the new Terms.

📋 Description of Service

CalcyVerse provides free online calculators, converters, and educational blog content covering finance, health, mathematics, and related topics. Our services include:

• Financial calculators (EMI, mortgage, SIP, tax, salary, and more)
• Health calculators (BMI, calorie, body fat, blood pressure)
• Mathematical tools (percentage, discount, scientific calculator)
• Unit converters (length, weight, temperature, currency, and more)
• USA-specific calculators (paycheck, sales tax, tip, gas mileage)
• Educational blog articles explaining calculator concepts

All calculators are provided as free tools for informational and educational purposes only. CalcyVerse is supported by Google AdSense advertising.

✅ Acceptable Use

You may use CalcyVerse for lawful, personal, non-commercial purposes. You agree to use the Site only in ways that comply with these Terms and all applicable laws and regulations.

You May:

• Use our calculators for personal financial planning, educational research, and general information
• Share links to our calculators and blog posts
• Use our calculators for educational purposes in schools and institutions

You May Not:

• Copy, reproduce, or republish our calculator code, design, or blog content without written permission
• Use our Site for any unlawful purpose or in violation of any laws
• Attempt to gain unauthorized access to any part of our Site or servers
• Use automated tools, bots, or scrapers to collect data from our Site
• Interfere with or disrupt the integrity or performance of our Site
• Introduce viruses, malware, or other harmful code
• Use our Site to transmit unsolicited communications (spam)
• Impersonate CalcyVerse or claim to represent us without authorization
• Frame or mirror our Site on any other website without written consent

⚠️ Disclaimer of Warranties — Important

CalcyVerse calculators and content are provided for INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. They do not constitute professional financial, legal, medical, or tax advice.

While we strive for accuracy, calculator results are based on the inputs you provide and general formulas. Real-world results may vary due to:

• Individual circumstances not captured by the calculator
• Changes in tax laws, interest rates, or regulations after our last update
• Regional variations in rules and rates
• Errors in data entry by the user

Before Making Financial Decisions

Always consult qualified professionals — certified financial advisors, chartered accountants, tax professionals, or lawyers — before making significant financial, legal, or medical decisions based on calculator outputs.

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

🛡️ Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CALCYVERSE AND ITS OPERATORS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, goodwill, or other intangible losses
• Damages resulting from your use of or inability to use the Site
• Damages resulting from reliance on calculator outputs for financial, legal, or medical decisions
• Any errors, inaccuracies, or omissions in calculator results or blog content
• Unauthorized access to or alteration of your data

In no event shall our total liability to you for all claims exceed INR 1,000 (or the equivalent in your local currency). Some jurisdictions do not allow the exclusion or limitation of liability for consequential damages, so the above limitation may not apply to you.

©️ Intellectual Property

All content on CalcyVerse — including but not limited to text, graphics, logos, calculator code, blog articles, user interface design, and the CalcyVerse name and brand — is the property of CalcyVerse and is protected by applicable intellectual property laws.

What You May Do

• Share links to our pages on social media or other platforms
• Quote brief excerpts (under 50 words) from our blog content with attribution and a link back
• Use our calculators for personal use

What You May Not Do

• Copy or reproduce our calculator code or embed our calculators on other sites without written permission
• Republish our blog articles in full on other websites
• Use the CalcyVerse name, logo, or branding without written authorization
• Create derivative works based on our content without permission

To request permission for content use beyond these guidelines, contact us at support@calcyverse.com.

🔗 Third-Party Links and Advertising

CalcyVerse may contain links to third-party websites. These links are provided for convenience only. We have no control over third-party sites and are not responsible for their content, privacy practices, or terms of service.

Google AdSense Advertising

Our Site is monetized through Google AdSense. Third-party advertisers may use cookies and web beacons to collect information about your visits to CalcyVerse and other websites in order to serve personalized advertisements.

Clicking on third-party advertisements takes you to external websites. We are not responsible for the content, accuracy, or privacy practices of advertised sites. The appearance of an advertisement on CalcyVerse does not constitute our endorsement of the advertised product or service.

🚫 Termination

We reserve the right to terminate or suspend your access to CalcyVerse immediately, without prior notice, for any reason, including:

• Violation of these Terms of Service
• Conduct that we believe is harmful to other users, third parties, or CalcyVerse
• Automated scraping or excessive requests that strain our servers
• Any other conduct that we deem inappropriate or unlawful

Upon termination, all provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

⚖️ Governing Law and Disputes

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

Any disputes arising out of or relating to these Terms or your use of CalcyVerse shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be subject to the exclusive jurisdiction of the courts located in India.

For users in other jurisdictions: Nothing in these Terms affects your rights under mandatory local laws. If any provision of these Terms is found unenforceable in your jurisdiction, the remaining provisions remain in full force.

🌐 Accuracy of Information

We make every effort to ensure our calculators and blog content are accurate and up to date. However:

• Tax rates, regulations, and financial rules change frequently. Always verify current rates with official government sources (Income Tax Department of India, IRS for USA, etc.).
• Interest rates shown are for illustrative purposes. Actual rates vary by bank, lender, and market conditions.
• Health calculator results are general estimates. Consult a healthcare professional for medical advice.
• We do not guarantee that our Site will be error-free, uninterrupted, or that defects will be corrected.

If you notice an error in any of our calculators or content, please report it to support@calcyverse.com and we will investigate promptly.

📬 Contact Information

For questions about these Terms of Service, to report a violation, or for general inquiries:

• Email: support@calcyverse.com
• Website: www.calcyverse.com
• Response time: We aim to respond within 3–5 business days.

For privacy-related requests, please refer to our Privacy Policy.