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📋 Terms of Service

CalcIQ • Last Updated: December 2024

🎯 Quick Summary: Our 18 professional calculators provide estimates for informational purposes only. Results are based on available research and should not replace professional advice. Use responsibly and consult experts for important decisions.

1. Information Accuracy & Limitations

Estimates Only: All calculator results are estimates based on available research, industry data, and mathematical models. Actual results may vary significantly.

Data Sources: We use publicly available research, government statistics, and industry reports. Data may be approximated or interpolated for regions where specific information is unavailable.

Currency & Regional Data: Regional cost estimates are based on available economic data and may not reflect current local conditions, exchange rates, or market variations.

2. Medical Information Disclaimer

⚠️ Not Medical Advice: Health-related calculators (BMI, health costs) are screening tools only and do not constitute medical advice, diagnosis, or treatment recommendations.

Consult Professionals: Always consult qualified healthcare professionals for medical decisions, health assessments, or treatment plans.

Research-Based: Health statistics are based on published research and WHO guidelines but may not apply to individual circumstances.

3. Financial Information Disclaimer

⚠️ Not Financial Advice: Financial calculators provide estimates only and do not constitute investment, tax, or financial planning advice.

Market Risks: Past performance does not guarantee future results. Investment returns, interest rates, and market conditions vary.

Consult Professionals: Consult qualified financial advisors, tax professionals, or investment specialists for personalized advice.

4. Data Privacy & Storage

Session-Only Processing: All calculations are performed locally in your browser during your session. No calculation history is stored persistently.

No Data Collection: We do not collect, store, or track personal information, calculation inputs, or results on our servers.

Your Control: All data exists only during your browser session and is automatically cleared when you close the browser.

5. Limitation of Liability

Use at Your Own Risk: Calculators are provided "as is" without warranties of any kind.

No Liability: We are not liable for decisions made based on calculator results or any damages arising from their use.

Third-Party Links: External links are provided for convenience only. We do not endorse or control third-party content.

6. Acceptable Use

Personal Use: Calculators are intended for personal, non-commercial use unless otherwise specified.

Accuracy Responsibility: Users are responsible for verifying input accuracy and result interpretation.

Professional Consultation: For important financial, medical, or legal decisions, always consult qualified professionals.

7. Updates & Changes

Continuous Improvement: We regularly update calculators and data sources to improve accuracy.

Terms Updates: These terms may be updated periodically. Continued use constitutes acceptance of changes.

Notification: Significant changes will be reflected in the "Last Updated" date above.

📞 Questions or Concerns? If you have questions about these terms or our calculators, please contact us at support@calciq.app or visit our Support page for more information.

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