1. Acceptance of Terms

1.1 Agreement to Terms

By accessing or using CalcIQ ("Service," "Platform," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

1.2 Eligibility

You must be at least 18 years old to use this Service. By using CalcIQ, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into this agreement
• Your use of the Service will not violate any applicable law or regulation
• All information you provide is accurate and current

1.3 Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by updating the "Last Updated" date and may provide additional notice through our website or communication channels. Continued use of the Service after changes constitutes acceptance of the new Terms.

2. Description of Service

2.1 CalcIQ Platform

CalcIQ provides financial calculators and educational content including:

• Financial Calculators: SIP, EMI, FD, investment planning tools
• Lifestyle Calculators: Coffee spending, fuel efficiency, tip calculators
• Utility Calculators: BMI, age, and general purpose tools
• Educational Content: Guides, blog posts, and tutorials
• Regional Tools: Country-specific calculator variants

2.2 Service Availability

We strive to maintain 99.9% uptime but do not guarantee uninterrupted service. The Service may be temporarily unavailable due to:

• Scheduled maintenance and updates
• Technical difficulties or system failures
• Third-party service interruptions
• Force majeure events beyond our control

2.3 Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without prior notice. We may add new features, remove existing features, or change how the Service operates.

3. User Responsibilities

3.1 Acceptable Use

You agree to use CalcIQ only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Service or servers
• Use automated systems to access the Service excessively
• Reverse engineer, decompile, or disassemble any part of the Service
• Remove or modify any proprietary notices or labels

3.2 Content and Data

You are responsible for:

• The accuracy of data you input into calculators
• Verifying calculation results before making financial decisions
• Maintaining the confidentiality of your personal financial information
• Using calculation results appropriately and at your own risk

3.3 Compliance

You agree to comply with all applicable laws, regulations, and third-party agreements when using the Service. This includes but is not limited to financial regulations, tax laws, and privacy requirements in your jurisdiction.

4. Intellectual Property Rights

4.1 Our Content

The Service and its original content, features, and functionality are owned by CalcIQ and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

4.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use the Service for personal or business purposes
• Use our calculators for legitimate financial planning
• Share calculation results through our built-in sharing features
• Reference our content with proper attribution

4.3 Restrictions

You may not:

• Copy, modify, or distribute our proprietary algorithms
• Create derivative works based on our Service
• Use our content for commercial purposes without permission
• Remove copyright or proprietary notices

5. Privacy and Data Protection

5.1 Privacy Policy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

5.2 Data Processing

CalcIQ operates on a privacy-first model:

• All calculations are performed locally in your browser
• We do not collect or store your financial data
• No user accounts or registration required
• Minimal technical data collection for service operation

5.3 User Data Control

You maintain complete control over your data. You can clear all locally stored data through your browser settings at any time.

6. Limitation of Liability

6.1 Service Limitations

CalcIQ is provided "as is" without warranties of any kind. We do not warrant that:

• The Service will be uninterrupted or error-free
• Calculation results will be accurate in all circumstances
• The Service will meet your specific requirements
• Any errors will be corrected promptly

6.2 Liability Exclusion

To the maximum extent permitted by law, CalcIQ shall not be liable for:

• Any direct, indirect, incidental, or consequential damages
• Financial losses resulting from calculation errors
• Business interruption or loss of profits
• Data loss or corruption
• Third-party actions or content

6.3 Maximum Liability

In no event shall our total liability exceed the amount you paid for the Service in the 12 months preceding the claim. Since CalcIQ is provided completely free of charge with no paid services, our maximum liability is $0.

7. Third-Party Services

7.1 External Links

Our Service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third-party sites.

7.2 Advertising

We may display advertisements through third-party services like Google AdSense. Advertisers are responsible for their content and offers. We do not endorse advertised products or services.

7.3 Social Media Integration

Our sharing features integrate with social media platforms. When you share content, you are subject to the terms and privacy policies of those platforms.

8. Termination

8.1 Termination by You

You may stop using the Service at any time. Since no account registration is required, simply discontinue use of the website.

8.2 Termination by Us

We may terminate or suspend access to the Service immediately, without prior notice, for conduct that we believe:

• Violates these Terms of Service
• Is harmful to other users or third parties
• Violates applicable laws or regulations
• Is otherwise objectionable

8.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. All provisions that should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

9. Governing Law and Disputes

9.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where CalcIQ operates, without regard to conflict of law provisions.

9.2 Dispute Resolution

Any disputes arising from these Terms or your use of the Service should first be addressed through direct communication with us at legal@calciq.app.

9.3 Jurisdiction

You agree that any legal action or proceeding between you and CalcIQ shall be brought exclusively in the courts of competent jurisdiction where CalcIQ operates.

10. General Provisions

10.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CalcIQ regarding the Service.

10.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

10.3 Waiver

No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term.

10.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

🤝 Ready to Get Started?

By using CalcIQ, you agree to these terms and can start making smarter financial decisions with confidence.