1. Acceptance of Terms
By accessing or using ClearCalc at clearcalc.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.
We reserve the right to update these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
2. Description of Service
ClearCalc provides free online financial calculators including, but not limited to:
- → Mortgage / home loan calculator
- → Loan repayment calculator
- → Tip and bill splitting calculator
- → Savings and compound interest calculator
- → Inflation and purchasing power calculator
The Site is funded by advertising displayed via Google AdSense. The Service is provided free of charge to users.
3. Not Financial Advice — Important Disclaimer
The results produced by ClearCalc calculators are estimates for informational and educational purposes only. They do not constitute financial, legal, tax, investment or mortgage advice. ClearCalc is not a registered financial adviser, mortgage broker, lender or financial institution.
Specifically:
- → Mortgage calculations are estimates based on the formula and inputs you provide. Actual mortgage payments will vary based on lender terms, fees, insurance, taxes and other factors.
- → Savings projections assume constant rates of return which are not guaranteed. Past performance of any investment does not guarantee future results.
- → Inflation calculations use historical average rates as inputs. Future inflation rates are inherently unpredictable.
- → Loan calculations are estimates. Actual repayment amounts depend on your lender's specific terms, fees and compounding schedule.
Always consult a qualified financial professional before making significant financial decisions such as taking out a mortgage, making investments, or managing debt.
4. Acceptable Use
You agree to use the Site only for lawful purposes. You must not:
- ✗ Use the Site in any way that violates applicable local, national or international laws or regulations
- ✗ Scrape, copy or reproduce the Site's content in bulk without permission
- ✗ Use automated tools, bots or scripts to access or interact with the Site at scale
- ✗ Attempt to disable, damage or interfere with the Site's infrastructure
- ✗ Frame or embed the Site in another website without our written permission
- ✗ Use the Site in a way that could mislead others about the source or nature of the content
5. Intellectual Property
All content on the Site — including but not limited to text, calculator logic, design, graphics, CSS, and JavaScript code — is the property of ClearCalc and is protected by copyright law.
You may use the Site's calculators for personal, non-commercial purposes. You may not reproduce, distribute, modify or create derivative works from Site content without our express written permission.
The financial formulas used in our calculators (amortization formula, compound interest formula, etc.) are standard mathematical formulas in the public domain. Our specific implementation, design and presentation of those formulas is our intellectual property.
6. Third-Party Advertising
The Site displays advertisements served by Google AdSense. These advertisements are provided by third parties and ClearCalc has no control over the content of these advertisements. We are not responsible for:
- → The accuracy or legality of advertised products or services
- → Any transactions you enter into with advertisers
- → The data collection practices of advertisers or their landing pages
Google's use of advertising cookies is governed by Google's Privacy Policy.
7. Disclaimer of Warranties
The Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by law, ClearCalc disclaims all warranties, including but not limited to:
- → Merchantability or fitness for a particular purpose
- → Accuracy, completeness or reliability of calculator results
- → Uninterrupted or error-free operation of the Site
- → Freedom from viruses or other harmful components
8. Limitation of Liability
To the fullest extent permitted by applicable law, ClearCalc shall not be liable for any indirect, incidental, special, consequential or punitive damages arising from:
- → Your use of or reliance on the Site or calculator results
- → Financial decisions made based on information from the Site
- → Any errors or inaccuracies in the calculator outputs
- → Interruption or unavailability of the Site
In jurisdictions that do not allow limitation of liability for incidental or consequential damages, our liability is limited to the maximum extent permitted by law.
9. External Links
The Site may contain links to third-party websites for reference or informational purposes. These links do not constitute an endorsement of those sites. We have no control over the content, privacy policies or practices of any third-party sites and accept no responsibility for them.
10. Governing Law
These Terms are governed by and construed in accordance with applicable law. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the relevant courts. If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
11. Contact
For questions about these Terms: