Terms of Use

Last updated: September 8, 2026

Acceptance

By using Calxy you agree to these terms. If you do not agree with them, please do not use the site.

Information only — not professional advice

Everything on this site is provided for general informational and educational purposes. It is not financial, investment, tax, legal, or medical advice, and no professional relationship is created by your use of it.

Financial calculators produce estimates. Actual loan terms, rates, fees, taxes, and eligibility are determined by lenders and tax authorities applying rules and underwriting judgments a general calculator cannot replicate. Consult a qualified financial professional before making decisions.
Health calculators use population-level formulas that may not fit your individual situation. They are not diagnostic tools. Consult a physician or registered dietitian regarding your health, and never disregard professional medical advice because of something you read here.
All results depend on the values you supply and the assumptions built into each formula, which are documented on the relevant page.

No warranty

The site and its calculators are provided "as is" and "as available", without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or that any result is accurate or complete.

We make a genuine effort to implement standard, documented formulas correctly and to state their limitations. Errors are nonetheless possible. You are responsible for verifying any result you intend to rely on.

Limitation of liability

To the fullest extent permitted by law, Calxy and its operators are not liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of, or inability to use, this site or its calculators — including any financial loss, health outcome, or decision made in reliance on a result.

Acceptable use

You agree not to:

Use the site for any unlawful purpose.
Attempt to interfere with, disrupt, or gain unauthorized access to the site or its infrastructure.
Use automated systems to access the site in a way that imposes an unreasonable load.
Reproduce substantial portions of the site's written content without attribution.

Intellectual property

The written explanations, page design, and site software are the property of their respective authors. Mathematical formulas and established scientific equations are not proprietary and are attributed to their sources where relevant.

External links

Where we link to external resources, we do not control them and are not responsible for their content, accuracy, or privacy practices.

Changes

We may revise these terms at any time. The current version is always posted here with its effective date, and continued use of the site constitutes acceptance of the revised terms.