01. Acceptance of Terms.
By accessing or using the CalcyHQ website and our interactive modeling calculators (collectively referred to as "the Service"), you agree to comply with and be bound by the following Terms & Conditions. If you do not agree to these terms, you must immediately terminate your use of our Service.
02. No Financial or Professional Advice.
Important Notice: The calculations, amortization timelines, interest projections, comparison tools, and informational guides presented on CalcyHQ are designed exclusively for general educational and analytical reference.
Our calculations do not constitute, and should not be interpreted as, professional financial, legal, investment, accounting, or tax advice. Financial variables differ based on regional laws, individual credit rating scores, lender margins, and tax jurisdictions. You are strongly encouraged to seek independent validation from a licensed financial advisor, certified public accountant (CPA), or mortgage consultant before entering into financial agreements.
03. Disclaimer of Warranties.
The Service and all mathematical calculations are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.
While we make exhaustive efforts to ensure calculations correspond to current standard mathematical formulas and standard loan models, we do not warrant that our formulas are completely free of bugs, mathematical discrepancies, or rounding variations. We disclaim any warranties of merchantability, fitness for a specific financial purpose, or non-infringement.
04. Limitation of Liability.
Under no circumstances shall CalcyHQ, its creators, or partners be liable for any direct, indirect, incidental, consequential, special, or exemplary damages—including but not limited to loss of capital, savings shortfalls, interest rate adjustments, mortgage penalties, or investment losses—arising out of or in connection with your use or inability to use the Service.
05. Intellectual Property.
All design systems, styling presets, HTML files, custom client-side calculation scripts, logo markings, text paragraphs, and layout combinations available on CalcyHQ are the exclusive property of CalcyHQ and are protected under international copyright and trademark laws. You are prohibited from scraping, cloning, selling, or republishing our code libraries or analytical algorithms without express written permission.
06. Modifications to Service and Terms.
We reserve the right to alter or suspend our calculator utilities and modify these terms at any time without prior notice. Your continued navigation of CalcyHQ following modifications indicates complete acceptance of the updated terms.