Terms of Use

Agreement to Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Calculate.cam ("we," "us," or "our") regarding your use of the Calculate.cam website, mobile applications, and related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of these Terms, you may not access or use our Services.

Description of Services

Calculate.cam provides online mortgage and financial calculators designed to help users estimate mortgage payments, home affordability, refinancing costs, and other real estate-related financial calculations.

Our Services Include:

• 18+ specialized mortgage and financial calculators
• Real-time calculation results and analysis
• Educational content and financial guidance
• Export and sharing capabilities for calculations
• Mobile-optimized calculator interface

Our Services are provided free of charge and do not require user registration for basic functionality.

Acceptable Use Policy

Permitted Uses

• Personal financial planning and mortgage calculations
• Professional use by real estate agents, loan officers, and financial advisors
• Educational purposes and financial literacy
• Sharing calculation results with clients or family members

Prohibited Uses

• Automated scraping, crawling, or data mining of our Services
• Reverse engineering, decompiling, or attempting to extract source code
• Creating derivative works or competing services based on our calculators
• Transmitting viruses, malware, or other harmful code
• Impersonating Calculate.cam or our representatives
• Using our Services for illegal activities or fraud
• Overloading our servers or interfering with service availability
• Circumventing security measures or access controls

User Responsibilities

As a user of our Services, you are responsible for:

• Accurate Information: Providing accurate input data for calculations
• Professional Consultation: Consulting with qualified professionals for financial decisions
• Compliance: Complying with all applicable laws and regulations
• Account Security: Maintaining the security of any account credentials
• Appropriate Use: Using our Services only for their intended purposes
• Reporting Issues: Reporting any bugs, security vulnerabilities, or misuse

Important Disclaimers

Accuracy and Reliability

• Calculations are estimates based on information you provide
• Actual loan terms may vary based on lender requirements and market conditions
• We strive for accuracy but cannot guarantee error-free results
• Users should verify calculations independently
• Market conditions and regulations may affect calculation accuracy

Service Availability

We provide our Services on an "as-is" and "as-available" basis. We do not guarantee:

• Uninterrupted or error-free service operation
• Compatibility with all devices or browsers
• Availability during maintenance or technical issues
• Preservation of calculation data or results

Intellectual Property Rights

Our Rights

Calculate.cam and its content, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, and calculator algorithms, are the property of Calculate.cam or its licensors and are protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal or professional purposes in accordance with these Terms.

User Content

You retain ownership of any content you submit to our Services. By submitting content, you grant us a worldwide, royalty-free license to use, reproduce, and display such content in connection with providing our Services.

Privacy and Data Protection

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

We comply with applicable data protection laws, including GDPR, CCPA, and UK-GDPR. For detailed information about our data practices, please review our Privacy Policy.

Limitation of Liability

Indemnification

You agree to indemnify, defend, and hold harmless Calculate.cam, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from your use of our Services or violation of these Terms.

Dispute Resolution

Informal Resolution

Before pursuing formal dispute resolution, we encourage you to contact us at legal@calculate.camto discuss and potentially resolve any issues informally.

Binding Arbitration

Any disputes arising from these Terms or your use of our Services shall be resolved through binding arbitration rather than in court, except for small claims court matters and intellectual property disputes.

Class Action Waiver

You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as part of a class, collective, or representative action.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. Any legal action or proceeding shall be brought exclusively in the federal or state courts located in California.

Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including breach of these Terms.

You may discontinue use of our Services at any time. Upon termination, your right to use our Services will cease immediately, but provisions that by their nature should survive termination will remain in effect.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website and updating the "Last updated" date.

Your continued use of our Services after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using our Services.

Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Calculate.cam regarding your use of our Services.

Contact Information

If you have questions about these Terms, please contact us: