Terms of use

Acceptance of terms

By accessing or using Calcafy (https://calcafy.com), you agree to these Terms of Use. If you do not agree, do not use the site. These terms apply to the site as currently offered by NV Digital Consulting LLC.

About Calcafy

Calcafy provides free browser-based calculators and related explanatory content. The site does not currently require user accounts or paid subscriptions for published calculators.

Informational use only

All calculators, examples, and editorial content are provided for general informational and educational purposes. Results are mathematical estimates based on the inputs you provide and the assumptions documented on each page.

No professional advice

Calcafy does not provide financial, investment, tax, legal, medical, engineering, or other professional advice. Calculator output is not a substitute for advice from a qualified professional who can review your specific circumstances.

Financial calculator limitations

Finance calculators (including loan payment, compound interest, and dividend tools) use simplified models. They may omit fees, taxes, penalties, rate changes, market volatility, rounding differences, and lender-specific rules. Dividend and investment projections assume the inputs and reinvestment settings you select and are not predictions of future performance.

Construction and materials limitations

Construction calculators (including cubic yard, mulch, board foot, and asphalt tools) estimate quantities from dimensions and assumptions you enter. Real projects vary by waste factor, compaction, mix design, supplier units, and site conditions. Always verify material orders with your supplier or contractor.

Math, date, and conversion limitations

Math calculators use standard formulas and documented rounding behavior. Date and time tools depend on the formats and assumptions shown on each page. Unit conversions and proportion tools reflect the precision displayed in results and may not match every real-world convention.

Your responsibility

You are responsible for the accuracy of inputs you provide and for how you use results. Verify important calculations independently before making financial, construction, health, or other consequential decisions.

Accuracy and availability

We aim to keep calculators accurate and available, but Calcafy may contain errors, omissions, or temporary outages. Content and tools may be added, changed, or removed without notice.

Intellectual property

The Calcafy name, site design, editorial content, and original calculator implementations are protected by applicable intellectual property laws. You may use the site for personal, non-commercial purposes in accordance with these terms. You may not copy, scrape, reverse engineer, or redistribute substantial portions of the site for commercial use without permission.

Acceptable use

You agree not to:

• Use the site in violation of applicable law
• Attempt to disrupt, overload, or compromise site security or infrastructure
• Access non-public areas, draft tools, or hidden routes through technical manipulation
• Misrepresent affiliation with Calcafy or NV Digital Consulting LLC

Third-party links

The site may link to external resources. Calcafy does not control and is not responsible for third-party content, policies, or practices.

Disclaimer of warranties

THE SITE AND CALCULATORS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE EXTENT PERMITTED BY LAW.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NV DIGITAL CONSULTING LLC AND ITS OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON CALCULATOR RESULTS.

Indemnification

You agree to indemnify and hold harmless NV Digital Consulting LLC from claims arising from your misuse of the site or violation of these terms, to the extent permitted by applicable law.

Governing law

These terms are governed by the laws of Virginia, United States, without regard to conflict-of-law principles.

Changes to these terms

We may update these terms as the site evolves. Continued use after changes are posted constitutes acceptance of the revised terms, subject to applicable law.