Agreement to terms
By accessing or using Calcumatrix (the "Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site. These terms apply to all visitors, regardless of whether you have an account (we do not offer accounts).
What we provide
Calcumatrix provides free, web-based calculators and long-form articles on topics including personal finance, health, productivity, travel, and household management. All calculators run entirely in your web browser — no data is transmitted to our servers when you use them.
Educational use only — not professional advice
This is the most important section of these terms. Every calculator and article on Calcumatrix is provided for educational and informational purposes only. Nothing on this Site constitutes:
- Financial advice. Our financial calculators (mortgage, retirement, debt, tax, etc.) are tools for understanding concepts, not recommendations. Your specific situation involves factors no calculator can capture. Consult a Certified Financial Planner (CFP), CPA, or other qualified financial professional before making investment, tax, or borrowing decisions.
- Medical advice. Our health calculators (calorie deficit, hydration, sleep, BMI, caffeine) are based on population-level formulas and research. They are not a substitute for advice from a licensed physician, registered dietitian, or other healthcare provider. Do not make medical decisions based solely on these calculators.
- Legal advice. We are not attorneys. Nothing on this Site should be relied upon as legal advice. Consult a licensed attorney in your jurisdiction for legal questions.
- Tax advice. Tax rules vary by jurisdiction and change frequently. Our tax-related calculators use simplified assumptions. Consult a CPA or tax attorney for your specific situation.
- Professional advice of any kind. When in doubt, hire a professional. The cost of bad advice is always higher than the cost of good advice.
Accuracy and warranties
We work hard to ensure our calculators are accurate and our articles are well-researched, but we make no warranties about completeness, accuracy, reliability, or timeliness. Tax rates change. FSI estimates get updated. Gas prices fluctuate. We update our calculators regularly, but there may be a delay between a change in the real world and a change in our calculator.
The Site and all content are provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.
Limitation of liability
To the fullest extent permitted by applicable law, Calcumatrix, its operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of (or inability to use) the Site or any content on it. This includes, but is not limited to, damages for financial loss, health consequences, lost profits, or data loss.
If you live in a jurisdiction that does not allow the exclusion of certain warranties or limitations of liability, the above exclusions and limitations may not apply to you, but our liability shall be limited to the maximum extent permitted by law.
Acceptable use
You agree to use Calcumatrix only for lawful purposes. You agree not to:
- Use the Site in any way that violates applicable local, national, or international law.
- Attempt to gain unauthorized access to any part of the Site, our servers, or related systems.
- Scrape, mirror, or reproduce substantial portions of the Site without permission.
- Use automated tools (bots, crawlers, scrapers) to access the Site at high volume without our written consent.
- Introduce viruses, malware, or other harmful code to the Site.
- Use the Site to defame, harass, or threaten others.
- Frame or embed the Site in a way that implies endorsement by us.
Intellectual property
All content on Calcumatrix — including calculator code, article text, design, logos, and graphics — is owned by Calcumatrix and protected by copyright, trademark, and other intellectual property laws. You may:
- Use the calculators for personal, non-commercial purposes.
- Link to any page on the Site.
- Quote brief excerpts (under 100 words) from articles with attribution and a link back to the original.
- Print or save calculator results for your personal use.
You may not:
- Republish full articles or calculator code without written permission.
- Use the Site or its content for commercial purposes without a license.
- Remove copyright, trademark, or attribution notices from any content.
- Present our content as your own.
If you would like to republish an article, embed a calculator, or license content for commercial use, please email contact@bblog.icu. We are generous with non-commercial permissions.
Third-party links and content
Our articles and calculators contain links to third-party websites (IRS.gov, peer-reviewed journals, government datasets). We are not responsible for the content, accuracy, or practices of those sites. Inclusion of a link does not imply endorsement.
Advertising
Calcumatrix is supported by advertising served through Google AdSense. Advertisers are solely responsible for the content of their ads. We do not endorse, and are not responsible for, the products or services advertised. We do not accept direct sponsorships or paid placements within our editorial content. For more about how advertising works on this site, see our Privacy Policy.
Changes to these terms
We may update these Terms of Service from time to time. We will update the "Last updated" date at the top of this page whenever we make material changes. Your continued use of the Site after any change constitutes acceptance of the new terms. We encourage you to review this page periodically.
Termination
We may block access to the Site for any user who violates these terms. You may stop using the Site at any time. These terms remain in effect even after you stop using the Site.
Governing law
These Terms of Service are governed by the laws of the jurisdiction in which Calcumatrix operates, without regard to conflict of law principles. Any disputes arising from these terms or your use of the Site shall be resolved in the courts of that jurisdiction. If you are a consumer in the European Union, you may also bring proceedings in your local courts, and mandatory consumer protection laws in your country apply.
Severability
If any provision of these Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
Contact
If you have questions about these Terms of Service, please email contact@bblog.icu.