Terms and Conditions

These Terms and Conditions govern your use of Calculist ("the Site"). By accessing or using the Site, you agree to be bound by these terms.

1. Use of the Site

Calculist provides online calculators and conversion tools for informational purposes only.

You may use the Site:

• For personal, non-commercial use
• To perform calculations and conversions
• To access publicly available tools and content

You may not:

• Attempt to disrupt or interfere with the Site
• Reverse engineer or scrape large portions of the platform
• Use automated systems that generate excessive load
• Use the Site for unlawful purposes

2. No Financial Advice

Calculist provides deterministic calculation tools.

The Site:

• Does not provide financial advice
• Does not provide legal advice
• Does not provide tax advice
• Does not guarantee lending approval

All outputs are estimates based on the values you enter and the assumptions stated on each page.

You are responsible for verifying information before making financial decisions.

3. Accuracy of Calculations

Calculators are designed using standard mathematical formulas and structured modelling logic.

However:

• Results may vary from lender calculations
• Rounding differences may occur
• Exchange rates may fluctuate
• External fees, taxes, or penalties are not automatically included unless stated

Calculist makes no guarantee that results reflect lender-specific underwriting decisions.

4. Currency and Exchange Rate Information

Currency conversions use stored exchange rate data refreshed on a scheduled basis.

Rates are:

• For estimation purposes only
• Not guaranteed for transaction settlement
• Not real-time market quotes

You should confirm rates with your financial institution before completing transactions.

5. Availability

We aim to keep the Site accessible at all times.

However, we do not guarantee uninterrupted access.

The Site may be temporarily unavailable due to:

• Maintenance
• Updates
• Infrastructure issues
• External service interruptions

6. Third-Party Content and Services

The Site may include:

• Embedded services
• Third-party tools
• Advertising (if enabled)

We are not responsible for third-party content, policies, or service performance.

7. Intellectual Property

All content, design, structure, and calculator logic on Calculist are the intellectual property of the platform unless otherwise stated.

You may not reproduce, redistribute, or commercially exploit the content without permission.

8. Limitation of Liability

Calculist is provided on an "as-is" basis.

To the maximum extent permitted by law:

• We are not liable for financial losses
• We are not liable for indirect or consequential damages
• We are not responsible for decisions made based on calculator outputs

Users assume full responsibility for how they use the information provided.

9. Modifications

We reserve the right to modify:

• These Terms
• Calculator logic
• Site structure
• Available tools

Continued use of the Site constitutes acceptance of updated terms.

10. Governing Law

These Terms are governed by the laws of [Insert Jurisdiction].

11. Contact

For enquiries regarding these Terms:

hello@calculist.net