Terms & Conditions

1. Acceptance of Terms

Welcome to CalcZap.com. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using CalcZap.com, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our website.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of the website after any changes constitutes acceptance of the new Terms.

2. Description of Service

CalcZap.com provides 39+ free online calculators and tools for various purposes, including but not limited to:

• Financial calculators (loan EMI, SIP, mortgage, compound interest, tax calculations)
• Health and lifestyle calculators (BMI, age, carbon footprint)
• Utility calculators (currency converter, unit converter, tip calculator)
• Planning tools (debt payoff, savings goal calculators)

Our calculators are designed to provide estimates and general guidance. Results should not be considered as professional financial, medical, or legal advice.

3. User Responsibilities

3.1 Acceptable Use

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You must not:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the website's functionality
• Use automated systems to access or extract data from our website
• Transmit any harmful, offensive, or inappropriate content
• Impersonate any person or entity or misrepresent your affiliation

3.2 Account Security

While we do not require user accounts for basic calculator usage, if you choose to contact us or subscribe to any services, you are responsible for maintaining the confidentiality of any login credentials and for all activities that occur under your account.

4. Intellectual Property Rights

4.1 Our Content

All content on CalcZap.com, including but not limited to text, graphics, logos, images, software, and calculator algorithms, is the property of CalcZap.com or its licensors and is protected by copyright, trademark, and other intellectual property laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include the right to:

• Reproduce, distribute, or publicly display our content
• Create derivative works based on our calculators or content
• Use our content for commercial purposes without written permission
• Remove or modify any copyright, trademark, or other proprietary notices

5. Calculator Accuracy and Limitations

5.1 Estimates Only

Our calculators provide estimates and approximations based on the information you input. Results are for informational purposes only and should not be considered as:

• Professional financial, investment, or tax advice
• Medical or health recommendations
• Legal advice or guidance
• Guaranteed or precise calculations

5.2 Professional Consultation

We strongly recommend consulting with qualified professionals (financial advisors, tax professionals, healthcare providers, etc.) before making important decisions based on calculator results. Individual circumstances may significantly affect the accuracy and applicability of our calculations.

5.3 Data Input Responsibility

The accuracy of calculator results depends entirely on the accuracy of the information you provide. We are not responsible for errors in results caused by incorrect or incomplete input data.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our website, you consent to the practices described in our Privacy Policy.

Please note that calculation data entered into our calculators is processed locally in your browser and is not transmitted to or stored on our servers unless explicitly stated otherwise.

7. Third-Party Services and Links

Our website may contain links to third-party websites or services, including but not limited to:

• Advertising networks (Google AdSense)
• Analytics services (Google Analytics)
• Social media platforms
• External resources and tools

We are not responsible for the content, privacy policies or practices of third-party websites or services. Your interactions with third parties are solely between you and the third party.

8. Disclaimers

8.1 "As Is" Basis

Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

8.2 No Warranty of Accuracy

We do not warrant that our calculators will be error-free, uninterrupted, or free of viruses or other harmful components. We make no representations about the accuracy, completeness, or reliability of any calculator results or website content.

8.3 Technical Issues

We do not guarantee that our website will be available at all times or that it will function without technical problems. We reserve the right to modify, suspend, or discontinue any part of our website at any time without notice.

9. Limitation of Liability

To the fullest extent permitted by law, CalcZap.com and its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or services, including but not limited to:

• Financial losses based on calculator results
• Business interruption or loss of profits
• Data loss or corruption
• Personal injury or property damage
• Third-party claims or actions

Our total liability to you for any claims arising from your use of our website shall not exceed the amount you paid to us for using our services (which is typically zero for our free calculators).

10. Indemnification

You agree to indemnify, defend, and hold harmless CalcZap.com and its owners, employees, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorney fees) arising from or related to:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through our website

11. Termination

We reserve the right to terminate or suspend your access to our website at any time, with or without cause or notice, for any reason including but not limited to violation of these Terms.

Upon termination, your right to use our website will cease immediately. The provisions of these Terms that by their nature should survive termination shall remain in effect after termination.

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in the United States.

You consent to the personal jurisdiction of such courts and waive any objection to the laying of venue in such courts.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the intent of the original provision.

14. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and CalcZap.com regarding your use of our website and services.

15. Contact Information

If you have any questions about these Terms or our services, please contact us at:

16. Acknowledgment

By using CalcZap.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. You also acknowledge that you have read and understood our Privacy Policy.