Last updated: July 2026
Please read these Terms of Use carefully before using calcdesk.online (“the Site”). By accessing or using the Site, you agree to be bound by these terms. If you do not agree, please do not use the Site.
1. Informational Purpose Only
All calculators, results, guides, and content on Calcdesk are provided for general informational and educational purposes only. Nothing on this site constitutes financial, medical, legal, tax, investment, or professional advice of any kind. Calculator results are mathematical estimates based on the inputs you provide and the formulas implemented — they are not personalised recommendations.
2. Financial Calculators — Important Disclaimer
The loan, mortgage, compound interest, debt payoff, savings, currency, and other financial calculators on this site produce estimates based on simplified mathematical models. Actual loan payments, investment returns, exchange rates, and financial outcomes will vary based on lender-specific terms, fees, market conditions, taxes, and many other factors not captured in these calculators.
Before making any financial decision — including taking out a loan, making an investment, purchasing property, or managing debt — consult a licensed financial advisor, mortgage broker, or other qualified professional. Do not rely solely on results from this calculator.
3. Health Calculators — Important Disclaimer
The BMI, calorie, body fat, and pregnancy calculators on this site use widely accepted formulas (Mifflin-St Jeor, US Navy circumference method, Naegele's Rule, and others). These formulas provide population-based estimates and may not accurately reflect individual variation in metabolism, body composition, gestational age, or health status.
Calculator results are not medical diagnoses. Do not use this site to self-diagnose health conditions, determine medication dosing, assess pregnancy complications, or replace professional medical care. Always consult a qualified healthcare provider for health-related decisions.
4. No Warranty
Calcdesk and all content on the site are provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or accuracy. We make reasonable efforts to ensure calculator accuracy but do not guarantee that results are error-free, complete, or current.
5. Limitation of Liability
To the fullest extent permitted by applicable law, Calcdesk, its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from: (a) your use of or inability to use the site, (b) reliance on any calculator result or content, (c) errors or omissions in content, or (d) any other matter relating to the site.
6. Accuracy and Updates
We strive to maintain accurate calculators and up-to-date content. Tax laws, interest rates, medical guidelines, and other factors that affect calculator accuracy change over time. We do not commit to updating calculators immediately upon changes to underlying standards. Always verify important calculations with primary sources or professionals.
7. Intellectual Property
The Calcdesk name, logo, design, calculator implementations, and editorial content are the intellectual property of Calcdesk. The underlying mathematical formulas used in the calculators are in the public domain. You may not copy, reproduce, redistribute, or create derivative works from our proprietary content without written permission.
8. Third-Party Links and Services
The Site may contain links to third-party websites or use third-party services (such as Google Analytics, Google AdSense, and the Frankfurter API). We are not responsible for the content, privacy practices, or terms of those third parties. Links do not constitute endorsement.
9. Privacy
Your use of the Site is also governed by our Privacy Policy, incorporated here by reference.
10. Governing Law
These terms shall be governed by and construed in accordance with applicable law. Any disputes shall be resolved through good-faith negotiation or, if necessary, through competent courts of applicable jurisdiction.
11. Changes to These Terms
We reserve the right to update these Terms of Use at any time. Changes become effective upon posting to the Site. Continued use of the Site after changes constitutes acceptance of the updated terms. Check this page periodically for updates.
12. Contact
Questions about these terms: support@calcdesk.online