Terms of Service

1. Acceptance of Terms

By accessing or using CalcProTool ("the Service"), operated by Pratik and the CalcProTool Team ("we", "us", "our") from Helsinki, Finland, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

CalcProTool provides a collection of free online calculators covering personal finance, tax estimation, real estate, health and wellness, education, business, and general mathematics. The Service is provided free of charge and does not require registration or account creation to use.

3. Educational Purpose — Not Professional Advice

All calculators on CalcProTool are for educational and informational purposes only. Calculator results do not constitute and must not be relied upon as:

• Financial advice or investment recommendations
• Tax advice or tax return preparation
• Legal advice of any kind
• Medical or health advice, diagnosis, or treatment recommendations
• Professional accounting or actuarial advice

For financial, tax, legal, or medical decisions, always consult a qualified professional — a registered accountant, financial planner, solicitor, or licensed healthcare provider — who can assess your individual circumstances. Calculator results are general estimates that do not account for your specific situation, deductions, exemptions, or personal factors.

4. Accuracy and Limitation of Liability

We make every reasonable effort to ensure our calculators use accurate, up-to-date formulas and rates. Tax calculators are updated annually from official government sources. Health calculators use clinically validated equations from recognised medical authorities.

However, we cannot guarantee that all calculator results are error-free, complete, or current at all times. Tax rates, thresholds, and financial regulations change frequently and may not be immediately reflected on the site.

To the maximum extent permitted by applicable law, CalcProTool and its operators shall not be liable for any loss or damage — including financial loss, loss of data, or any indirect, incidental, or consequential damages — arising from your use of or reliance on any calculator result. This limitation applies whether the claim is based in contract, tort, negligence, or any other legal theory.

5. Permitted Use

You may use CalcProTool for:

• Personal, non-commercial calculations
• Educational research and study
• General financial planning and estimation
• Embedding individual calculator results in personal notes or documents

You may not:

• Scrape, copy, or reproduce our calculator code or content for commercial use
• Frame or embed CalcProTool pages on other websites without written permission
• Use automated tools to access the Service at a rate that impairs its operation
• Attempt to reverse-engineer, decompile, or extract source code from the Service
• Use the Service in any way that violates applicable laws or regulations

6. Intellectual Property

All content on CalcProTool — including calculator code, descriptions, formulas, educational text, design elements, and the CalcProTool name and logo — is the property of CalcProTool and is protected by copyright and intellectual property laws. Underlying mathematical formulas used in our calculators are in the public domain; our specific implementations, descriptions, and educational content are our own original work.

7. Third-Party Links

CalcProTool links to official government and authoritative websites as data sources (e.g., IRS, HMRC, ATO). These external sites are not controlled by us and are subject to their own terms of service. We are not responsible for the content, accuracy, or privacy practices of any third-party website.

8. Service Availability

We aim to keep CalcProTool available at all times but do not guarantee uninterrupted access. We may perform maintenance, updates, or improvements that temporarily affect availability. We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice.

9. Governing Law

These Terms are governed by the laws of Finland and the European Union. Any disputes arising from these Terms or your use of CalcProTool shall be subject to the exclusive jurisdiction of the courts of Helsinki, Finland.

10. Changes to Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects when changes were last made. Continued use of CalcProTool after changes are posted constitutes acceptance of the revised Terms.

11. Contact

Questions about these Terms: help.calcprotool@gmail.com
CalcProTool, Helsinki, Finland, European Union.