Terms of Service

1. Acceptance of Terms

By accessing and using CalcForge (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

CalcForge provides free, web-based financial calculators including paycheck tax calculators, loan calculators, debt payoff tools, and related utilities. The Service is provided "as is" and is intended for informational and educational purposes only.

3. Use of the Service

You may use CalcForge for personal, non-commercial purposes. You agree not to:

• Use automated scripts or bots to scrape or mass-query the Service.
• Attempt to reverse-engineer, decompile, or modify the calculator source code.
• Misrepresent the source of calculations or present them as professional tax advice.
• Use the Service in any way that violates applicable law or regulation.

4. Accuracy Disclaimer

While we strive for accuracy using published tax brackets and official rates, CalcForge calculators provide estimates only. Tax laws change frequently, and individual circumstances (multiple jobs, self-employment income, deductions, credits) can significantly affect actual withholding and tax liability. You should not rely on CalcForge as your sole source of tax planning information. Consult a qualified tax professional for advice specific to your situation.

5. Intellectual Property

All content, design, code, and branding on CalcForge is the intellectual property of CalcForge and its contributors. You may not copy, redistribute, or create derivative works from our calculator code or content without express written permission.

6. Limitation of Liability

To the fullest extent permitted by law, CalcForge and its contributors 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 decisions made based on calculator results.

7. Modifications

We reserve the right to modify these terms at any time. Continued use of the Service after modifications constitutes acceptance of the revised terms.

8. Contact

Questions about these terms? Reach us at hello@thecalcforge.com.