Terms and Conditions

Please read these Terms and Conditions ("Terms") carefully before using the 365 Calculator website located at 365calculator.net(the "Site"), operated by 365 Calculator ("we," "us," or "our").

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

1. Acceptance of Terms

By accessing and using 365 Calculator, you accept and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. These Terms apply to all visitors, users, and others who access or use the Site.

2. Description of Service

365 Calculator provides a collection of free online calculator tools covering financial planning, health and fitness metrics, mathematical computations, unit conversions, business calculations, and everyday calculations. Our calculators are designed to provide helpful estimates and educational information.

All calculations are performed locally within your web browser. We do not transmit, store, or process any calculation inputs on our servers.

3. Disclaimer of Warranties

THE SITE AND ITS CALCULATORS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We specifically disclaim all warranties including, without limitation:

• Warranties of merchantability and fitness for a particular purpose
• Warranties that the Site will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, completeness, or reliability of calculation results
• Warranties that defects will be corrected

4. Accuracy of Calculator Results

While we make every effort to ensure our calculators use accurate formulas and produce reliable results, we make no guarantees regarding the accuracy, completeness, or suitability of any calculation for your specific situation.

Financial Calculators

Results from our financial calculators (mortgage, loan, investment, retirement, etc.) are estimates only and should not be relied upon as financial advice. Actual loan payments, investment returns, retirement savings, and other financial outcomes will vary based on factors not accounted for in simplified calculator models, including:

• Actual interest rates negotiated with lenders
• Fees, closing costs, and other charges
• Market fluctuations and economic conditions
• Individual tax situations
• Specific loan terms and conditions

Always consult a qualified financial advisor, accountant, or mortgage professional before making financial decisions.

Health and Medical Calculators

Results from our health calculators (BMI, calorie needs, body fat, ideal weight, pregnancy due date, etc.) areinformational estimates only and do not constitute medical advice, diagnosis, or treatment. These tools use standardized formulas that may not account for your specific medical history, conditions, or individual physiological differences.

Always consult your physician, healthcare provider, or qualified medical professional regarding any health concerns, medical decisions, or significant lifestyle changes.

Legal and Tax Calculations

Any tools related to taxes, sales tax, or legally regulated calculations are provided for informational purposes only. Tax laws vary by jurisdiction and change frequently. Do not rely on our calculators for tax filing or legal compliance purposes. Consult a qualified tax professional or attorney for legal and tax advice.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL 365 CALCULATOR, ITS OPERATORS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of (or inability to access or use) the Site
• Any reliance on calculation results provided by the Site
• Errors, inaccuracies, or omissions in calculator formulas or outputs
• Financial, medical, legal, or other decisions made based on calculator results
• Unauthorized access to or alteration of your transmissions or data
• Any other matter relating to the Site

In no event shall our total liability to you for all claims exceed one hundred US dollars ($100.00), regardless of the form of action.

6. Intellectual Property

The Site and its original content, features, design, and functionality are owned by 365 Calculator and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent, except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials
• You may store files that are automatically cached by your web browser for display enhancement purposes
• You may print or download one copy of a reasonable number of pages of the Site for your own personal, non-commercial use

7. Permitted Use

You may use 365 Calculator for lawful purposes only. You agree not to:

• Use the Site in any way that violates applicable local, state, national, or international law or regulation
• Attempt to gain unauthorized access to any part of the Site, its servers, or any system connected to the Site
• Use automated scripts, bots, scrapers, or other automated means to access the Site excessively or in a manner that could damage or overload our infrastructure
• Transmit any material that contains viruses, Trojan horses, worms, or other malicious or technologically harmful code
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site for commercial purposes without express written permission
• Impersonate or attempt to impersonate 365 Calculator, our employees, or other users
• Use the Site in any manner that could disable, overburden, damage, or impair the Site or servers

8. Third-Party Services and Links

Our Site uses third-party services including Google Analytics (for usage analytics) and Google AdSense (for advertising). These services are governed by their own terms of service and privacy policies.

Our Site may contain links to third-party websites or services that are not owned or controlled by 365 Calculator. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

9. Advertising

We display advertisements on our Site through Google AdSense. These ads are served by Google and its advertising partners. The presence of an advertisement does not constitute our endorsement of the advertiser or its products or services.

We are not responsible for the content of advertisements displayed on our Site. If you click on an advertisement, you do so at your own risk.

10. Modifications to the Site and Terms

We reserve the right to modify, suspend, or discontinue the Site (or any part thereof) at any time, with or without notice. We shall not be liable to you or any third party for any such modification, suspension, or discontinuation.

We reserve the right to revise these Terms at any time. Changes take effect immediately upon posting to the Site. By continuing to use the Site after we post revised Terms, you agree to the updated Terms. Please check this page periodically for updates.

11. Termination

We reserve the right to terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Site ceases immediately.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the United States.

13. Indemnification

You agree to defend, indemnify, and hold harmless 365 Calculator and its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site, including reliance on any calculator results.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, that provision will be modified to the minimum extent necessary to make it enforceable, or if not possible, eliminated, while the remaining provisions of these Terms continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and 365 Calculator regarding your use of the Site, superseding any prior agreements between you and us.

16. Contact Us

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

• Website: 365calculator.net
• Email: [email protected]

Key takeaway: Our calculators provide estimates for educational and informational purposes only. Always consult qualified professionals — financial advisors, doctors, attorneys — before making important financial, medical, or legal decisions based on calculator results.