Terms and Conditions

1. Acceptance of Terms

By accessing and using Universal Calculator ("the Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms and Conditions ("Terms") govern your access to and use of our website, including all calculators, tools, and services provided by Universal Calculator.

2. Use License

Permission is granted to temporarily access and use Universal Calculator for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display (commercial or non-commercial)
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Universal Calculator at any time.

3. Disclaimer

The materials on Universal Calculator's website are provided on an 'as is' basis. Universal Calculator makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Important: All calculations provided by our tools are for informational and educational purposes only. They are estimates and should not be considered as professional financial, medical, legal, or tax advice.

We are not responsible for:

• Any financial losses, damages, or consequences resulting from decisions made based on calculations from our website
• The accuracy, completeness, or timeliness of any calculations or results provided by our tools
• Any errors, omissions, or inaccuracies in the calculations or content on our website
• Any decisions you make based on information from our calculators without consulting qualified professionals
• Any medical, financial, legal, or tax consequences arising from the use of our calculators
• Any loss of data, profits, or business opportunities resulting from the use or inability to use our website
• Any technical issues, interruptions, or downtime that may affect access to our services
• Any third-party content, links, or services that may be referenced on our website

You should always consult with qualified professionals (such as financial advisors, accountants, doctors, or lawyers) before making any significant decisions based on calculations from this website. Universal Calculator is not a substitute for professional advice.

4. Limitations of Liability

Universal Calculator and its operators, employees, and affiliates are not responsible or liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website or calculators
• Any financial losses, investment losses, or monetary damages resulting from decisions made based on our calculations
• Any errors, inaccuracies, or omissions in the calculations, results, or content provided on our website
• Any loss of data, profits, revenue, business opportunities, or goodwill
• Any damages resulting from technical failures, system errors, or interruptions in service
• Any harm or injury resulting from the use of our calculators for medical, financial, or legal purposes
• Any consequences of relying on our calculators without seeking professional advice
• Any third-party claims, damages, or liabilities arising from your use of our website

In no event shall Universal Calculator or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Universal Calculator's website, even if Universal Calculator or a Universal Calculator authorized representative has been notified orally or in writing of the possibility of such damage.

To the maximum extent permitted by applicable law, our total liability to you for all claims arising from or related to the use of our website shall not exceed the amount you paid to us, if any, for accessing our services, or zero dollars if you accessed our services for free.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Accuracy of Materials

The materials appearing on Universal Calculator's website could include technical, typographical, or photographic errors. Universal Calculator does not warrant that any of the materials on its website are accurate, complete, or current.

Universal Calculator may make changes to the materials contained on its website at any time without notice. However, Universal Calculator does not make any commitment to update the materials.

6. User Conduct

You agree to use our website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes:

• Harassing or causing distress or inconvenience to any person
• Transmitting obscene or offensive content
• Disrupting the normal flow of dialogue within our website
• Attempting to gain unauthorized access to our website or systems
• Using automated systems to access the website without permission

7. Intellectual Property Rights

The website and its original content, features, and functionality are owned by Universal 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 website without our prior written consent.

8. Links to Third-Party Websites

Our website may contain links to third-party websites or services that are not owned or controlled by Universal Calculator. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that Universal Calculator shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

9. Modifications to Terms

Universal Calculator reserves the right to revise these terms of service at any time without notice. By using this website, you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

10. Governing Law

These terms and conditions are governed by and construed in accordance with applicable laws. Any disputes relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts in the applicable jurisdiction.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

12. Contact Information

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