Terms of Use

📋 Acceptance of Terms

By accessing or using CalcNova ("the Site," "the Service"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please discontinue use of the Site.

These terms apply to all visitors and users of CalcNova, including tools, content, and any other services offered through https://calcnova.co/.

🔢 Accuracy of Calculations

CalcNova makes reasonable efforts to ensure that its calculators and tools provide accurate results. However, we make no warranties or representations, express or implied, about the completeness, accuracy, reliability, suitability, or availability of any tool or result.

Calculation results may be affected by:

• Rounding, approximation, and mathematical limitations
• Incorrect assumptions built into models (e.g., constant interest rates, tax-free compounding)
• Data entry errors by the user
• Changes in laws, rates, or regulations not reflected in the tool
• Browser or software bugs

💰 No Financial, Legal, or Professional Advice

Nothing on CalcNova constitutes or should be interpreted as:

• Financial or investment advice
• Legal advice or legal services
• Tax advice or tax preparation guidance
• Medical or health advice
• Any other form of licensed professional advice

Tools like the Compound Interest Calculator, Coast FIRE Calculator, and others are educational models. They use simplified assumptions and cannot account for your specific financial situation, risk tolerance, or local laws and taxes.

Always consult a licensed financial advisor, attorney, tax professional, or other qualified expert before making decisions based on the outputs of these tools.

⚖️ Limitation of Liability

To the fullest extent permitted by applicable law, CalcNova, its operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Use of, or inability to use, any tool or content on this site
• Reliance on any calculation result, estimate, or projection displayed
• Errors or inaccuracies in calculations or results
• Any investment, financial, or other decision made based on results from this site
• Interruptions, bugs, or technical issues affecting availability

📖 Intellectual Property

The design, code, and content of CalcNova are the intellectual property of its creators. You may use the tools for personal, non-commercial purposes. You may not:

• Copy, scrape, or reproduce substantial portions of the site without permission
• Use the tools to create a competing commercial product
• Remove or obscure copyright or attribution notices

CalcNova is an open-source project. Contributions and forks for personal or non-commercial use are welcome in accordance with the repository's license.

🔗 Third-Party Links

The Site may contain links to third-party websites (e.g., Ko-fi, GitHub). These links are provided for convenience only. CalcNova does not endorse or assume responsibility for the content, accuracy, privacy practices, or availability of any third-party site.

🌍 Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the jurisdiction in which CalcNova's operators are located, without regard to conflict-of-law principles. Any disputes arising from these terms shall be resolved in the appropriate courts of that jurisdiction.

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

🔄 Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be effective upon posting to this page with an updated "Last updated" date. Continued use of the Site after changes are posted constitutes your acceptance of the new terms.