Terms of Service

1. Acceptance of Terms

By using Calcora, you confirm that you are at least 13 years of age and agree to these Terms of Service. These terms apply to all visitors and users of the website.

2. Description of Service

Calcora provides free, browser-based financial calculators for informational and educational purposes. Our tools include mortgage, loan payoff, compound interest, debt-to-income, take-home pay, auto loan, credit card payoff, savings goal, budget, home affordability, retirement, student loan, and net worth calculators, among others.

3. No Financial Advice

Important: The information and results provided by Calcora are for informational and educational purposes only. They do not constitute financial, tax, legal, or investment advice. The calculations are estimates based on the inputs you provide and standard financial formulas.

You should not make financial decisions based solely on the results of our calculators. Always consult with a qualified financial advisor, tax professional, mortgage broker, or other licensed professional before making significant financial decisions.

4. Accuracy of Information

We strive to ensure that our calculators use accurate and up-to-date formulas and data (including tax rates, interest formulas, and financial guidelines). However, we make no warranty, express or implied, regarding the accuracy, completeness, or fitness of our calculators for any particular purpose. Tax laws, interest rates, and financial regulations change frequently — always verify critical figures with official sources.

5. Intellectual Property

All content on Calcora, including text, design, code, graphics, and calculator implementations, is owned by Calcora and protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

6. Acceptable Use

You agree not to:

• Use our service for any unlawful purpose
• Attempt to reverse-engineer, scrape, or systematically copy our calculators
• Use automated tools to access our service in a way that places unreasonable load on our servers
• Attempt to gain unauthorized access to any part of our website or infrastructure
• Use our service to transmit spam, malware, or harmful content

7. Limitation of Liability

To the fullest extent permitted by law, Calcora and its owners shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from your use of — or inability to use — our service, including any financial losses resulting from decisions made based on our calculator results.

8. Third-Party Services

Our website uses Google Analytics for anonymized usage data and Google AdSense for advertising. These services operate under their own privacy policies and terms of service. We are not responsible for the practices of third-party service providers.

9. Privacy

Your use of Calcora is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated date. Your continued use of our service after changes constitutes acceptance of the new terms.

11. Governing Law

These Terms of Service shall be governed by the laws of the United States. Any disputes arising from these terms or your use of Calcora shall be resolved through binding arbitration or in a court of competent jurisdiction.

12. Contact

If you have questions about these Terms of Service, contact us at: contact@mycalcora.com