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Terms of Service

Effective date: June 24, 2026

1. Acceptance of terms

By accessing or using CalcProLabs (the “Service”, “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service. We may update these Terms at any time per Section 14 below.

2. Informational only — not professional advice

CalcProLabs's calculators, interpretations, and content are provided for educational and informational purposes only. They are NOT, and should not be construed as:

  • Financial advice — consult a licensed Certified Financial Planner (CFP), Certified Public Accountant (CPA), or fiduciary advisor.
  • Legal advice — consult a licensed attorney in your jurisdiction.
  • Medical or health advice — consult a licensed healthcare provider. Health calculators are screening tools, not diagnoses.
  • Tax advice — consult a CPA, Enrolled Agent (EA), or tax attorney.
  • Investment advice or recommendations — we are not registered investment advisors.
  • Insurance recommendations — consult a licensed insurance agent or broker.

Decisions involving real money, your health, or legal exposure should NEVER rest on a calculator alone. We work hard to keep formulas accurate and reference official sources where applicable, but we make no guarantee of correctness, completeness, or applicability to your specific situation.

3. Acceptable use

You agree NOT to:

  • Scrape, copy, redistribute, mirror, or republish substantial portions of the Site without prior written permission.
  • Use automated systems (bots, crawlers, scripts) to access the Site beyond reasonable individual use.
  • Attempt to bypass security measures, rate limits, paywalls, or technical restrictions.
  • Reverse engineer, decompile, or disassemble any part of the Site or its underlying technology.
  • Use the Site to transmit malware, viruses, or any code intended to harm the Site or other users.
  • Use the Site to harass, defraud, impersonate, or violate the rights of others.
  • Submit fraudulent leads, false information, or content that violates applicable law.
  • Frame, embed, or hotlink Site content on third-party sites without permission.
  • Use the Site for any commercial purpose without our prior written agreement.

4. Account and security

CalcProLabs currently does not require user accounts. Where future features may allow account creation (e.g. for syncing saved calculations), you will be responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.

5. Intellectual property

All Site content — including but not limited to calculator code, interpretation logic, written copy, graphics, design, layout, trademarks, and trade dress — is © 2026 CalcProLabs and its licensors. All rights reserved.

You may use the Site for personal, non-commercial purposes. Embedding calculators on third-party sites, using our content in commercial products, or building competing services using our content all require written permission. Contact [email protected] for licensing.

6. Third-party services and affiliate links

The Site includes links to third-party services (mortgage lenders, brokerages, attorneys, insurance comparison platforms, software providers, etc.). These links are clearly labeled and may be affiliate links that pay CalcProLabs a referral fee when you click through and complete a qualifying action.

We do not endorse any specific provider and are not responsible for their products, services, content, privacy practices, or business conduct. Any transactions you enter into with third parties are solely between you and that third party. We disclaim all liability arising from such transactions.

7. User submissions and content

If you submit information through the Site — such as a newsletter signup, a lead-capture form, an email inquiry, or feedback — you grant CalcProLabs a non-exclusive, royalty-free, perpetual, worldwide license to use that submission for the specific purpose described at the point of collection (e.g. forwarding a lead to a named partner, sending newsletter emails, improving the Service).

You represent that you have the right to submit such information and that doing so does not violate the rights of any third party. You retain ownership of your personal data as described in our Privacy Policy.

8. Disclaimer of warranties

THE SITE AND ALL CONTENT, CALCULATIONS, AND INTERPRETATIONS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
  • Warranties that the Site will be uninterrupted, error-free, secure, or free of harmful components.
  • Warranties regarding the accuracy, completeness, reliability, or timeliness of any content, calculation, interpretation, or recommendation provided through the Site.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CALCPRO, ITS AFFILIATES, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM:

  • Your access to, use of, or inability to use the Site.
  • Any decisions you make based on information, calculations, or interpretations from the Site.
  • Conduct of any third party on or through the Site, including affiliate partners.
  • Unauthorized access to or alteration of your transmissions or data.
  • Any other matter relating to the Site.

IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

10. Indemnification

You agree to indemnify, defend, and hold harmless CalcProLabs and its affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use or misuse of the Site; (b) your violation of these Terms; (c) your violation of any rights of another party; or (d) any content you submit through the Site.

11. Termination

We may suspend or terminate your access to the Site at any time, for any reason, with or without notice, including for violation of these Terms. Upon termination, your right to use the Site ceases immediately. Provisions that by their nature should survive termination (intellectual property, disclaimers, limitation of liability, indemnification, governing law) will so survive.

12. Governing law

These Terms and any disputes arising out of or related to them are governed by the laws of the State of Delaware and the United States of America, without regard to its conflict-of-laws principles. The Site is operated from the United States; users outside the US are responsible for compliance with their local laws.

13. Dispute resolution

Any dispute arising out of or related to these Terms or the Site that cannot be resolved through good-faith informal negotiation shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Arbitration shall take place in Wilmington, Delaware (or remotely, if the parties agree). Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver: you and CalcProLabs agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

14. Changes to these terms

We may update these Terms from time to time. Material changes will be flagged at the top of this page with an updated “Effective date”. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Site.

15. Contact us

Questions about these Terms?
Email: [email protected]
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