Terms of Service
Last updated: April 2026
Acceptance of Terms
By accessing and using SmarterCalculator (smartercalculator.net), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.
Description of Service
SmarterCalculator provides free online calculator tools for finance, health, math, education, and general utility purposes. All calculators are provided "as is" for informational and educational purposes only.
No Professional Advice
SmarterCalculator does not provide financial, medical, legal, or professional advice. Our calculators provide estimates based on mathematical formulas and user inputs. Specifically:
- Financial calculators (mortgage, EMI, compound interest, salary, inflation, tip) provide estimates only. They do not constitute financial advice. Consult a qualified financial advisor for investment, loan, or tax decisions.
- Health calculators (BMI, calorie/macro) provide general health screening information only. They do not constitute medical advice. Consult a healthcare provider for medical decisions.
- Educational calculators (GPA, fraction, scientific) are tools for learning and estimation. Verify important academic calculations with your institution.
Accuracy
While we strive for accuracy in all calculations, SmarterCalculator does not guarantee that results are error-free. JavaScript floating-point arithmetic may introduce minor rounding differences. Users should not rely solely on our calculators for critical financial, medical, or legal decisions.
Intellectual Property
The SmarterCalculator name, logo, website design, and original code are the intellectual property of SmarterCalculator. Mathematical formulas and algorithms used are in the public domain. You may not copy, reproduce, or redistribute our website or its code without permission.
Advertising
SmarterCalculator displays third-party advertisements through Google AdSense. We are not responsible for the content of advertisements displayed on our site. Clicking on advertisements may redirect you to third-party websites whose terms and privacy policies differ from ours.
Limitation of Liability
SmarterCalculator, its creators, and affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our Service, including but not limited to damages from reliance on calculator results for financial, medical, or other decisions.
Modifications
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Continued use of the Service after changes constitutes acceptance of the new terms.
Governing Law
These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.
Accuracy and Disclaimer
Calculator Accuracy: All calculators on SmarterCalculator.net use established mathematical formulas and algorithms from peer-reviewed sources. However, results are estimates and should not be used as the sole basis for financial, medical, legal, or other important decisions. Financial calculators use standard amortization and compound interest formulas but do not account for individual tax situations, fees, or market conditions. Health calculators use published medical formulas (Mifflin-St Jeor, Devine, WHO BMI) but are not substitutes for professional medical advice. No Professional Advice: Content on this site is for educational and informational purposes only. It does not constitute financial advice, medical advice, legal advice, or any other professional service. Always consult qualified professionals for decisions affecting your health, finances, or legal situation. External Links: This site contains links to external websites and products. We are not responsible for the content, accuracy, or privacy practices of linked sites.
Important Disclaimers About Calculator Results
All calculators on SmarterCalculator.net provide estimates for educational and planning purposes only. They should not be used as the sole basis for financial, medical, or legal decisions.
Financial calculators (mortgage, investment, tax, retirement, etc.) use simplified models that do not account for all variables in your specific situation. Tax laws change annually, interest rates fluctuate, and investment returns are not guaranteed. Always consult a licensed financial advisor, CPA, or tax professional before making significant financial decisions.
Health calculators (BMI, TDEE, calorie, body fat, ideal weight, ovulation, etc.) are based on population averages and established medical formulas. Individual results vary based on genetics, medical conditions, medications, and other factors. These tools are not medical devices and should not replace professional medical advice. Consult a healthcare provider for personalized health guidance.
Math and utility calculators are designed for accuracy but users should verify critical calculations independently. We strive for mathematical correctness but cannot guarantee zero errors in all edge cases. By using SmarterCalculator.net, you acknowledge that the results are approximations and that you are responsible for how you apply them.