Terms of Use & Legal Information - Smarter Calculators

Last Updated: November 7, 2025

Agreement to Terms

Welcome to SmarterCalculators.com (“Website,” “Service,” “we,” “us,” or “our”). By accessing or using our website and calculator tools, you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use our Service.

These Terms constitute a legally binding agreement between you and SmarterCalculators.com. Please read them carefully.

Changes to Terms

We reserve the right to modify, update, or change these Terms at any time. Changes will be effective immediately upon posting to this page with an updated “Last Updated” date. Your continued use of the Service after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.

Description of Service

SmarterCalculators.com provides free online calculator tools for various purposes including, but not limited to:

Financial calculations (loan calculators, mortgage calculators, investment calculators)
Health and fitness calculations (BMI calculators, calorie calculators)
Mathematical and scientific calculations
Unit converters and other utility calculators

All calculations are performed locally in your web browser and are provided for informational and educational purposes only.

Eligibility

By using this Service, you represent and warrant that:

You are at least 13 years of age
You have the legal capacity to enter into these Terms
You will comply with all applicable laws and regulations
All information you provide is accurate and current

Acceptable Use

You Agree To:

Use the Service only for lawful purposes
Use the calculators for personal, non-commercial purposes (unless you have obtained written permission)
Provide accurate input data to ensure accurate calculation results
Respect the intellectual property rights of SmarterCalculators.com
Comply with all applicable local, state, national, and international laws

You Agree NOT To:

Use the Service for any illegal, harmful, or fraudulent purpose
Attempt to gain unauthorized access to our systems or networks
Interfere with or disrupt the Service or servers
Use automated systems (bots, scrapers) to access the Service without permission
Copy, modify, distribute, or reverse engineer any part of the Service
Remove, obscure, or alter any copyright, trademark, or proprietary notices
Use the Service to transmit viruses, malware, or harmful code
Impersonate any person or entity or misrepresent your affiliation
Harvest or collect information about other users
Use the Service in any way that could damage our reputation or business

Disclaimer of Warranties and Accuracy

Information Accuracy

IMPORTANT: The calculators and information provided on SmarterCalculators.com are for general informational and educational purposes only. While we strive for accuracy, we make no guarantees regarding:

The accuracy, completeness, or reliability of calculation results
The suitability of our calculators for your specific needs
The currency or timeliness of information provided

You acknowledge that:

Calculation results may contain errors or inaccuracies
Results should not be relied upon as the sole basis for important decisions
You should verify all results with qualified professionals before taking action
Individual circumstances may vary and affect the applicability of results

Professional Advice Disclaimer

THE SERVICE DOES NOT PROVIDE PROFESSIONAL ADVICE

Our calculators and content are NOT a substitute for professional advice from qualified experts, including but not limited to:

Financial Advice: Our financial calculators do not constitute financial, investment, tax, or accounting advice. Consult with licensed financial advisors, accountants, or tax professionals.
Medical Advice: Health-related calculators are not medical advice and do not replace consultation with healthcare providers.
Legal Advice: Any legal information is general in nature and not legal advice. Consult an attorney for legal matters.
Professional Services: Results do not replace professional services in any field.

No Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

Warranties of merchantability
Fitness for a particular purpose
Non-infringement
Accuracy or reliability
Uninterrupted or error-free operation
Freedom from viruses or harmful components

We do not warrant that:

The Service will meet your specific requirements
The Service will be available at all times without interruption
Any errors or defects will be corrected
Results obtained from the Service will be accurate or reliable

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

SmarterCalculators.com, its owners, operators, employees, partners, and affiliates SHALL NOT BE LIABLE for any:

Indirect, incidental, special, consequential, or punitive damages
Loss of profits, revenue, data, or use
Business interruption or loss of business opportunities
Personal injury or property damage
Damages arising from your use or inability to use the Service
Damages arising from reliance on information or calculations provided
Damages arising from errors, omissions, or inaccuracies in content

This limitation applies regardless of:

The legal theory (contract, tort, negligence, strict liability, or otherwise)
Whether we were advised of the possibility of such damages
Whether the limited remedies fail their essential purpose

IF YOU ARE DISSATISFIED WITH THE SERVICE OR THESE TERMS, YOUR SOLE REMEDY IS TO DISCONTINUE USE OF THE SERVICE.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the maximum extent permitted by law.

Indemnification

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

Your use or misuse of the Service
Your violation of these Terms
Your violation of any third-party rights, including intellectual property rights
Any decisions or actions you take based on information from the Service
Any content you submit or transmit through the Service
Your violation of any applicable laws or regulations

Intellectual Property Rights

Our Rights

All content, features, functionality, designs, text, graphics, logos, icons, images, calculators, software, code, and other materials on SmarterCalculators.com are owned by or licensed to us and are protected by:

Copyright laws
Trademark laws
Patent laws
Trade secret laws
Other intellectual property rights

Your License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

Access and use the Service for personal, non-commercial purposes
Use our calculators for personal calculations
View and print content for personal reference

Restrictions

You may NOT:

Reproduce, distribute, modify, or create derivative works
Use content for commercial purposes without written permission
Frame or embed our content on other websites without permission
Use our trademarks, logos, or branding without authorization
Remove or modify any copyright or proprietary notices

Third-Party Links and Content

Our Service may contain links to third-party websites, services, or resources. These links are provided for convenience only. We:

Do not endorse or control third-party websites
Are not responsible for their content, privacy practices, or terms
Make no warranties regarding third-party services
Are not liable for any harm arising from your use of third-party services

You access third-party links at your own risk and should review their terms and privacy policies.

User Submissions and Feedback

If you provide feedback, suggestions, comments, or other submissions to us (via email, contact forms, or otherwise):

You grant us a perpetual, worldwide, royalty-free license to use, modify, and incorporate such submissions
You waive any moral rights or attribution rights
We have no obligation to compensate you or keep submissions confidential
We may use submissions to improve our Service without restriction

Do not submit confidential or proprietary information through the Service.

Data Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.

Calculator-Specific Terms

Client-Side Processing

All calculations are performed locally in your web browser. We do not store, transmit, or have access to the data you enter into our calculators. However:

You are responsible for the accuracy of input data
Results depend entirely on the accuracy of your inputs
We cannot verify or validate your input data

No Guarantee of Results

We make no guarantees that:

Calculation formulas are error-free
Results will be accurate for your specific situation
Calculations reflect the most current laws, regulations, or standards
Results are applicable to your jurisdiction or circumstances

Your Responsibility

You are solely responsible for:

Verifying calculation results
Determining the suitability of results for your needs
Seeking professional advice before making decisions
Understanding the limitations and assumptions of each calculator

Availability and Modifications

Service Availability

We strive to provide continuous access to our Service, but we:

Do not guarantee uninterrupted or error-free access
May suspend or discontinue the Service at any time
May modify, update, or remove features without notice
Are not liable for any unavailability or service interruptions

Maintenance

We may perform maintenance, updates, or improvements that temporarily affect Service availability. We will attempt to minimize disruptions but provide no guarantees.

Termination

Our Right to Terminate

We reserve the right to:

Suspend or terminate your access immediately without notice
Take legal action for violations of these Terms
Report illegal activities to law enforcement authorities

Grounds for termination include:

Violation of these Terms
Fraudulent, illegal, or harmful activity
Abuse of the Service or other users
Any conduct we determine to be harmful to the Service or our interests

Effect of Termination

Upon termination:

Your right to use the Service immediately ceases
All licenses granted to you terminate
We may delete any content associated with your use
Provisions that should survive termination will remain in effect

Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which SmarterCalculators.com operates, without regard to conflict of law principles.

Dispute Resolution

If a dispute arises:

Informal Resolution: Contact us at [email protected] to attempt resolution
Arbitration: If informal resolution fails, disputes shall be resolved through binding arbitration
Class Action Waiver: You agree to resolve disputes individually, not as part of class or collective actions
Jurisdiction: If arbitration doesn’t apply, you agree to the exclusive jurisdiction of courts in our operating jurisdiction

Exceptions

This arbitration provision doesn’t apply to:

Small claims court matters
Intellectual property disputes
Injunctive relief requests

General Provisions

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and SmarterCalculators.com regarding the Service and supersede all prior agreements.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Assignment

You may not assign or transfer these Terms or your rights without our written consent. We may assign these Terms without restriction.

No Partnership

These Terms do not create any partnership, joint venture, employment, or agency relationship between you and SmarterCalculators.com.

Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, pandemics, government actions, internet failures, or technical issues.

Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

Contact Information

For questions, concerns, or notices regarding these Terms, please contact us:

Email: [email protected]
Website: smartercalculators.com

Special Notices

Financial Calculators Notice

Financial calculators provide estimates based on the information you provide. Actual financial results may vary due to:

Changes in interest rates, market conditions, or economic factors
Tax implications specific to your situation
Fees, charges, or penalties not included in calculations
Rounding or computational methods

Always consult with financial professionals before making financial decisions.

Health Calculators Notice

Health and fitness calculators provide general guidance only. They:

Do not account for individual medical conditions or history
Should not replace medical examination or professional diagnosis
May not be accurate for all populations (children, pregnant women, athletes, etc.)
Are not intended to diagnose, treat, cure, or prevent any disease

Consult healthcare professionals for personalized medical advice.

Tax Calculators Notice

Tax calculators provide estimates only. Actual tax liability depends on:

Current tax laws and regulations in your jurisdiction
Your complete financial situation and filing status
Deductions, credits, and exemptions applicable to you
Changes in tax legislation

Consult qualified tax professionals for accurate tax advice and preparation.

Acknowledgment

BY USING SMARTERCALCULATORS.COM, YOU ACKNOWLEDGE THAT:

You have read and understood these Terms
You agree to be bound by these Terms
You understand the limitations and disclaimers
You will not rely solely on calculator results for important decisions
You will seek professional advice when appropriate

If you do not agree to these Terms, you must immediately stop using the Service.

Last Updated: November 7, 2025