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Terms of Service

Last updated: April 23, 2026

1. Acceptance of Terms

By accessing and using CalcPoint ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

CalcPoint provides free online financial calculators and an AI-powered financial assistant for informational and educational purposes. Our tools include mortgage calculators, tax estimators, investment planners, retirement calculators, and related financial tools.

3. Not Financial Advice

The Service does not provide financial, tax, legal, or investment advice. All calculations, estimates, and AI-generated responses are for informational purposes only. Results are approximations based on the information you provide and should not be relied upon as the sole basis for making financial decisions.

You should always consult with a qualified financial advisor, tax professional, or other appropriate professional before making any financial decisions. We are not responsible for any decisions made based on information provided by our Service.

4. Accuracy of Information

While we strive to provide accurate calculations and up-to-date information, we make no guarantees regarding the accuracy, completeness, or reliability of any information provided through the Service. Tax rates, interest rates, and financial regulations change frequently, and there may be delays in updating our data.

5. User Conduct

You agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to interfere with or disrupt the Service
  • Access the Service through automated means (bots, scrapers) without permission
  • Submit false or misleading information
  • Attempt to reverse-engineer any part of the Service

6. AI Assistant

Our AI financial assistant provides automated responses generated by artificial intelligence. These responses are for general informational purposes only and may contain errors or inaccuracies. The AI assistant does not have access to your complete financial situation and cannot replace professional financial advice.

7. Affiliate Links

The Service may contain affiliate links to third-party financial products and services. We may receive compensation when you click on these links or purchase products through them. This does not affect the results of our calculators or the information we provide. Third-party services are governed by their own terms.

8. Intellectual Property

All content, design, code, and functionality of the Service are owned by CalcPoint and are protected by intellectual property laws. You may not copy, modify, distribute, or reproduce any part of the Service without our prior written consent.

9. Limitation of Liability

To the maximum extent permitted by law, CalcPoint shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to financial losses based on calculator results or AI assistant responses.

10. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service after any changes indicates your acceptance of the new terms.

11. Contact

For questions about these terms, please email us at [email protected].