Terms of Service – CalcHub.click

📅 Effective Date: July 1, 2025 | Last Updated: July 1, 2025 | Applies to: calchub.click

1. Acceptance of Terms

By accessing or using CalcHub.click, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website.

These terms apply to all visitors, users, and others who access or use the service.

⚠️ 2. Financial Disclaimer (Important)

⚠️ For Informational Purposes Only

The calculators on CalcHub.click are provided for general informational and educational purposes only. They do not constitute professional financial, legal, tax, medical, or investment advice.

Results produced by our calculators are estimates only and may not reflect your actual financial situation.
Mortgage calculations do not account for lender-specific fees, insurance premiums, or rate changes over time.
Tax calculations are based on publicly available rate information and may not reflect your specific tax obligations.
Investment projections assume consistent returns which are not guaranteed in real markets.
Users are solely responsible for verifying all results with their bank, mortgage broker, financial advisor, or qualified professional before making any financial decision.

CalcHub.click accepts no liability for financial decisions made based on calculator results. Always consult a licensed professional — such as a Chartered Professional Accountant (CPA), mortgage broker, or licensed financial advisor — for advice specific to your situation.

3. Use of the Service

Permitted Use

You may use CalcHub.click for personal, non-commercial purposes. Our calculators are provided free of charge with no registration required.

Prohibited Use

You agree not to:

Use the site for any unlawful purpose or in violation of any regulations
Attempt to gain unauthorized access to any portion of the site
Scrape, copy, or reproduce our content without written permission
Use automated tools (bots, scrapers) to access the site
Redistribute or resell our calculator tools as your own

4. Accuracy of Information

We strive to keep our calculators accurate and up to date. However:

Tax rates, interest rates, and government figures change frequently
Canadian provincial tax rates are updated periodically but may not reflect the most recent CRA guidelines
Currency conversion rates are approximate and not suitable for actual financial transactions
Health calculations (BMI, calorie needs, etc.) are general estimates and not medical advice

We make no warranty, express or implied, about the accuracy, reliability, or completeness of any information on this site.

5. Advertising

CalcHub.click is supported by advertising through Google AdSense. Ads displayed on our site are served by Google and may be personalized based on your browsing history. We do not endorse any specific advertised product or service.

You can opt out of personalized ads at Google Ad Settings.

6. Intellectual Property

All content on CalcHub.click, including calculator logic, design, text, and code, is the property of CalcHub.click. You may not reproduce, distribute, or create derivative works without our express written permission.

Links to external websites are provided for convenience. We are not responsible for the content or practices of external sites.

7. Limitation of Liability

To the maximum extent permitted by applicable law, CalcHub.click and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

Your use of or inability to use the service
Financial decisions made based on calculator results
Errors, inaccuracies, or omissions in calculator outputs
Any interruption or cessation of the service

8. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada and the Province of Ontario. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

9. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated effective date. Continued use of CalcHub.click after changes constitutes your acceptance of the new terms.

10. Contact Us

For questions about these Terms of Service, please contact:

Email: nanayona86@gmail.com
Website: calchub.click

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📄 Terms of Service