Terms of Use

Using the site

CALQEVA is free to use for personal and commercial purposes. You may use the results in your own work, quotes, homework or planning. You do not need our permission to link to any page.

You may not attempt to disrupt the site, extract content on a large scale by automated means, or present the site as your own. Copying our written explanations wholesale onto another site is not permitted.

Results are estimates

The calculators use standard published formulas, but every result depends on the values and assumptions you supply. Real outcomes from a bank, employer, institution or government office can differ because of rounding, fees, timing, eligibility rules or changes in law. Treat results as well-informed estimates for planning, not as official figures. Our disclaimer explains this in full.

No professional advice

Nothing on CALQEVA is financial, investment, tax, legal or medical advice, and no relationship of that kind is created by using the site. Decisions with real consequences should involve a qualified professional who can consider your full situation.

Availability

We aim to keep the site available and accurate, but we provide it as it is, without warranties of any kind. Calculators may be changed, corrected or withdrawn, and pages may be unavailable during maintenance or for reasons outside our control.

Limitation of liability

To the extent permitted by law, we are not liable for loss arising from use of, or reliance on, this site or its results, including financial loss, lost opportunity or consequential damages. If you rely on a figure for an important decision, verify it with the relevant institution first.

Third-party content

Pages may include advertising and links to other websites. We do not control those sites and are not responsible for their content, products or privacy practices.

Intellectual property

The CALQEVA name, design, written explanations and code are ours. Mathematical formulas themselves are not owned by anyone, and we make no claim over them.

Changes

These terms may be updated. The date at the top of the page shows when they last changed.

Contact

Questions about these terms can go to contact@calqeva.com.