Terms & Conditions — Governing Rules for Using Calcify & Branded Exports

1. Acceptance of Terms & Scope of Service

Welcome to Calcify ("the Platform", "we", "us", or "our"). By accessing, browsing, or utilizing any part of the Calcify website, any of its 188 individual calculator pages across 11 categories, its local CSV Bank Statement Analyzer, or its PDF/PNG/CSV export engines, you acknowledge that you have read, understood, and agreed to be bound by these Terms & Conditions.

Calcify provides an interactive, browser-based suite of quantitative calculation tools spanning Investment & Wealth, Banking & Loans, Tax & Compliance, Business & Corporate, Personal Finance, Mathematics & Statistics, Health & Fitness, Engineering & Construction, Unit Converters, Time & Date Utilities, and Wages & Earnings. If you do not agree with any provision of these Terms & Conditions, please discontinue use of the Platform immediately.

2. Permitted Personal, Academic & Commercial Advisory Use

Subject to your compliance with these Terms, Calcify grants you a non-exclusive, non-transferable, revocable, worldwide license to access and use our 188 calculators for personal financial planning, academic study, engineering estimation, and professional client advisory workflows.

Specifically, financial advisors, Chartered Accountants, loan brokers, real estate consultants, fitness trainers, and civil contractors are expressly permitted to generate and distribute calculation reports to their clients using both our "Normal Export" and "Export with My Branding" features, subject to the following mandatory conditions:

• Preservation of Platform Attribution: Every report generated through the "Export with My Branding" feature places your custom Company Name, Logo, Address, and Contact details in the primary header while automatically embedding the subtle footer attribution "Powered by Calcify (© 2026 Calcify. All Rights Reserved.)". You may not programmatically strip, obscure, or falsify this footer attribution.
• Lawful & Authorized Logo Uploads: When uploading a company logo or entering corporate details into the Branded Export modal, you represent and warrant that you own or have lawful authorization to use those trademarks and business identifiers, and that you will not use the feature to impersonate banks, government tax authorities, or third-party institutions.
• No Automated Scraping or Abuse: You agree not to deploy automated bots, headless scrapers, or denial-of-service scripts that degrade platform performance or extract our proprietary calculator metadata registry for unauthorized commercial redistribution.

3. Accuracy of Calculations, User Responsibility & Input Validation

While our engineering and quantitative teams exercise extreme care in coding and verifying the mathematical formulas behind all 188 calculators, outputs are inherently dependent on the accuracy, completeness, and context of the input parameters entered by the user. Furthermore, financial markets, bank interest conventions, tax legislation (such as Finance Act amendments for FY 2026-27), and local building codes vary by jurisdiction and change over time.

Accordingly, you agree that you are solely responsible for independently verifying any calculation output before executing binding financial contracts, filing statutory tax returns, administering medical or nutritional regimens, or procuring construction materials.

4. Intellectual Property, Limitation of Liability & Governing Law

All software code, user interface designs, custom SVG visual motifs, calculator definitions, documentation, and editorial content on Calcify are protected by international copyright and intellectual property laws under "© 2026 Calcify. All Rights Reserved."

To the maximum extent permitted by applicable law, Calcify and its contributors provide the Platform on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied. In no event shall Calcify be liable for any direct, indirect, incidental, consequential, or punitive damages—including loss of profits, tax penalties, investment losses, or construction overruns—arising out of your use of or reliance upon any calculation result produced by the Platform.