Terms of Service

1. Acceptance of Terms

By accessing and using CalcPick (https://www.calcpick.com), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you must immediately discontinue use of the website. Your continued use of CalcPick constitutes your acceptance of these Terms of Service.

2. Description of Service

CalcPick provides free, web-based financial calculators designed to help users perform various financial computations, including but not limited to:

• Mortgage payment calculations
• Auto loan and personal loan estimates
• Student loan repayment planning
• Compound interest projections
• Debt payoff strategy comparisons
• General arithmetic and scientific calculations

All calculator computations are performed entirely client-side within your browser. We do not collect, store, or transmit any financial data you enter into our calculators. The service is provided free of charge and may be supported by third-party advertising.

3. Disclaimer — No Financial Advice

You should not make any financial decisions based solely on the output of our calculators. The results generated by our tools are intended to serve as general reference points and starting estimates only.

We strongly recommend that you consult with a qualified financial advisor, accountant, tax professional, or other appropriate expert before making any financial decisions.CalcPick is not a financial institution and does not provide personalized financial recommendations.

4. Accuracy Disclaimer

While we strive to ensure that our calculators produce accurate results based on standard financial formulas, all outputs are estimates only and should not be treated as guarantees of actual financial outcomes.

Actual results may vary significantly due to factors including but not limited to:

• Your individual credit score and credit history
• Specific lender policies, fees, and qualification criteria
• Applicable taxes, insurance, and additional costs
• Changes in interest rates and market conditions
• Rounding differences and varying compounding methods

CalcPick makes no warranties, express or implied, regarding the accuracy, completeness, reliability, or suitability of calculator outputs for any particular purpose. Users are solely responsible for verifying all results independently.

5. Intellectual Property

All content, design, graphics, logos, icons, source code, and software on CalcPick are the intellectual property of CalcPick and are protected by applicable copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this website without prior written permission fromCalcPick. Limited personal, non-commercial use of the calculators as intended is permitted.

6. User Conduct

By using CalcPick, you agree to the following:

• Use the calculators and website only for lawful purposes
• Not attempt to reverse-engineer, decompile, modify, or redistribute our tools or source code
• Not use automated bots, scrapers, or other systems to access our website in a manner that could overload, damage, or impair our servers
• Not attempt to gain unauthorized access to any part of the website or its underlying systems
• Not introduce viruses, malware, or other harmful code to the website
• Verify all calculator results independently before making any financial decisions
• Not misrepresent the output of our calculators as professional financial advice to any third party

7. Third-Party Links

CalcPick may contain links to third-party websites, services, or advertisements that are not owned or controlled by us. These links are provided for your convenience and informational purposes only.

We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Visiting third-party links is at your own risk, and we encourage you to review the terms and privacy policies of any third-party sites you visit.

8. Limitation of Liability

To the fullest extent permitted by applicable law, CalcPick, its owners, operators, affiliates, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use of, or inability to use, the website or calculators
• Any reliance placed on calculator results or content on this website
• Any errors, inaccuracies, or omissions in calculator outputs
• Any financial decisions made based on information obtained through our service
• Unauthorized access to or alteration of your data
• Any third-party content, products, or services accessed through our website

This limitation applies regardless of the legal theory under which damages are sought, whether in contract, tort, negligence, strict liability, or otherwise, even if CalcPick has been advised of the possibility of such damages.

9. Changes to Terms

We reserve the right to modify, update, or replace these Terms of Service at any time at our sole discretion. Changes will take effect immediately upon posting the updated terms on this page with a revised effective date. It is your responsibility to review these Terms of Service periodically. Your continued use of CalcPick after any changes are posted constitutes your acceptance of the revised terms.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts in the applicable jurisdiction. If any provision of these terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms of Service shall otherwise remain in full force and effect.

11. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us at contact@calcpick.com.