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These terms govern your use of the Calclypso website and calculators. By using our services, you agree to these terms. Please read them carefully.
Effective Date: January 1, 2026
By accessing or using the Calclypso website (calclypso.com), including any calculators, tools, content, or services provided through the site (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you should not use the Services.
We reserve the right to update or modify these Terms at any time. Changes take effect immediately upon posting to this page. Your continued use of the Services after any changes constitutes acceptance of the updated Terms.
Calclypso provides free online financial calculators and related educational content for informational purposes only. Our calculators are designed to help you estimate and understand financial scenarios, including but not limited to mortgage payments, tax obligations, investment returns, and retirement planning.
The Services do not constitute financial advice. Calculator results are estimates based on the inputs you provide and the assumptions documented in our methodology. They are not a substitute for professional financial, tax, legal, or investment advice.
You should consult a qualified financial advisor, tax professional, or other appropriate expert before making any financial decisions. Calclypso does not recommend specific financial products, strategies, or courses of action.
You may use Calclypso calculators for personal, non-commercial purposes. You are responsible for the accuracy of the information you input into our calculators. The quality of the output depends directly on the accuracy of your inputs.
You agree not to:
All content on Calclypso, including but not limited to text, graphics, logos, icons, images, software, calculator designs, and editorial content, is the property of Calclypso or its content suppliers and is protected by applicable intellectual property laws.
The Calclypso name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Calclypso. You may not use these marks without our prior written permission. You may share links to Calclypso pages and reference our calculator results for personal, non-commercial purposes with appropriate attribution.
We strive to ensure that our calculators are accurate and our data sources are current. However, we do not guarantee that the Services will be error-free, uninterrupted, or that all information will be completely accurate or up to date at all times.
Tax laws, financial regulations, and economic conditions change frequently. While we update our calculators regularly, there may be periods where calculator data reflects a previous tax year or outdated rates. Each calculator displays its data vintage and last-updated date for your reference.
To the fullest extent permitted by applicable law, Calclypso and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:
The Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Calclypso may contain links to third-party websites, products, or services. These links are provided for your convenience and do not signify our endorsement of such websites or their content. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services. Your use of third-party websites is at your own risk and subject to the terms and conditions of those sites.
You agree to indemnify, defend, and hold harmless Calclypso, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Services, your violation of these Terms, or your violation of any rights of a third party.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles. Any disputes arising from these Terms or the Services shall be resolved exclusively in the state or federal courts located in Delaware.
For users located in the United Kingdom or the European Union, nothing in these Terms affects your statutory rights as a consumer under applicable local laws.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
If you have any questions about these Terms of Service, please contact us at hello@calclypso.com.