Terms of Service

Effective Date: October 9, 2025
Last Updated: October 9, 2025

1. Acceptance of Terms

By accessing or using CalcFest (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

CalcFest provides free, web-based financial calculators for educational and informational purposes. Our calculators cover various financial scenarios including mortgages, investments, retirement planning, and business finance.

3. Use License

Permission is granted to temporarily access and use CalcFest for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials

4. Educational Purpose and Disclaimer

Important: The calculators and information provided on CalcFest are for educational and informational purposes only. They are not intended to provide professional financial, investment, tax, or legal advice.

5. Accuracy and Reliability

While we strive to provide accurate calculators, we make no warranties, expressed or implied, regarding the accuracy, reliability, or completeness of the calculations or results. You acknowledge that:

• Calculations are estimates based on the information you provide
• Actual results may vary due to factors not considered in the calculations
• You should verify all calculations independently
• Professional advice should be sought for important financial decisions

6. User Responsibilities

As a user of CalcFest, you agree to:

• Use the Service only for lawful purposes
• Not attempt to harm or compromise the security of the website
• Not use automated systems to access the Service excessively
• Respect intellectual property rights
• Not redistribute or republish our content without permission

7. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of CalcFest. The Service is protected by copyright, trademark, and other laws.

8. Limitation of Liability

In no event shall CalcFest, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

9. Disclaimer of Warranties

The information on this website is provided on an "as is" basis. To the fullest extent permitted by law, CalcFest excludes all representations, warranties, or other terms which might have effect between us or be implied or incorporated into these Terms.

10. Service Availability

We reserve the right to withdraw or amend our Service, and any service or material we provide on the website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Service is unavailable at any time or for any period.

11. Modifications to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

12. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by CalcFest. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

13. Governing Law

These Terms shall be interpreted and governed by the laws of the jurisdiction in which CalcFest operates, without regard to its conflict of law provisions.

14. Contact Information

If you have any questions about these Terms of Service, please contact us through the information provided on our website.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect. These Terms constitute the entire agreement between us regarding our Service.