CalculateToo

Disclaimer

Last Updated: January 17, 2026

Important: Please Read Carefully

The calculators and information provided on CalculateToo are for educational and informational purposes only. They are NOT a substitute for professional advice. Always consult qualified professionals before making important decisions.

1. General Disclaimer

The calculators, tools, and information on calculatetoo.com (the "Site") are provided for general informational and educational purposes only. They are designed to help you make better-informed decisions, but they should not be your only source of information.

Calculator results are estimates only. Actual results may vary significantly based on numerous factors that our calculators cannot account for. You should always verify results with appropriate professionals before making important decisions.

2. Not Professional Advice

2.1 Financial Advice Disclaimer

The financial calculators on this Site (including mortgage, loan, investment, retirement, and debt calculators) are NOT financial advice. We are not licensed financial advisors, certified financial planners, or investment professionals.

Before making any financial decisions, including but not limited to:

  • Taking out a mortgage or loan
  • Making investment decisions
  • Planning for retirement
  • Managing debt
  • Tax planning

You should consult with a qualified financial advisor, certified financial planner (CFP), or other licensed professional who can provide personalized advice based on your specific situation.

2.2 Medical and Health Disclaimer

The health and fitness calculators on this Site (including BMI, calorie, pregnancy, and other health-related calculators) are NOT medical advice. We are not doctors, nutritionists, or licensed medical professionals.

Before making any health-related decisions, including but not limited to:

  • Starting a new diet or exercise program
  • Taking supplements or medications
  • Managing pregnancy or fertility
  • Addressing health concerns

You should consult with a qualified healthcare provider, such as a doctor, registered dietitian, or other licensed medical professional. If you have a medical emergency, call 911 or your local emergency number immediately.

2.3 Legal Advice Disclaimer

Any calculators or information related to legal matters are NOT legal advice. We are not attorneys or legal professionals. Consult a licensed attorney for legal advice specific to your situation.

2.4 Tax Advice Disclaimer

Tax-related calculators provide estimates only and are NOT tax advice. Tax laws are complex and change frequently. Consult a certified public accountant (CPA), enrolled agent, or tax attorney for professional tax advice.

3. Accuracy and Reliability

3.1 No Guarantee of Accuracy

While we strive to provide accurate and up-to-date calculators and information, we make no representations or warranties of any kind regarding:

  • The accuracy, completeness, or reliability of calculator results
  • The suitability of calculators for your specific needs
  • The timeliness or currentness of information
  • Freedom from errors, bugs, or technical issues

3.2 User Responsibility to Verify

It is YOUR responsibility to:

  • Verify all calculator results independently
  • Check your inputs for accuracy
  • Understand the assumptions and limitations of each calculator
  • Seek professional verification when needed
  • Use multiple sources of information

3.3 Reporting Errors

If you believe you've found an error in any calculator, please report it to us at selfimprovingdeveloper@gmail.com. While we appreciate feedback and will investigate reported issues, we make no guarantee that errors will be corrected or that corrections will be made in any particular timeframe.

4. Limitations of Calculator Results

4.1 Estimates Only

All calculator results are estimates and approximations. They are based on the inputs you provide and standard formulas or algorithms. Actual results in real-world scenarios may differ due to:

  • Variations in individual circumstances
  • Changes in laws, regulations, or rates
  • Market fluctuations
  • Rounding and mathematical approximations
  • Factors not included in the calculator

4.2 Assumptions and Simplifications

Our calculators make various assumptions and simplifications to provide estimates. These assumptions may not apply to your specific situation. Always read the descriptions and help text for each calculator to understand what assumptions are being made.

4.3 Past Performance vs. Future Results

Calculators that project future values (such as investment or retirement calculators) are based on assumptions about future performance. Past performance does not guarantee future results. Actual future results may be significantly different from calculator projections.

5. No Liability

5.1 Use at Your Own Risk

You use this Site and all calculators at your own risk. We are not responsible for any decisions you make based on calculator results or information from this Site.

5.2 No Liability for Damages

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

  • Use or inability to use the Site or calculators
  • Errors or inaccuracies in calculator results
  • Financial losses resulting from decisions based on calculator results
  • Health issues arising from use of health calculators
  • Any other damages whatsoever

6. External Links Disclaimer

This Site may contain links to external websites for your convenience and information. We have no control over and assume no responsibility for:

  • The content, accuracy, or opinions expressed on external sites
  • The privacy practices of external sites
  • The products or services offered by external sites

Inclusion of any link does not imply endorsement. Your use of external sites is subject to their terms and conditions and privacy policies.

7. Changes and Updates

We reserve the right to modify, update, or discontinue any calculator or feature of the Site at any time without notice. We are not liable for any modifications, suspensions, or discontinuations of service.

8. International Users

Our calculators may be based on standards, formulas, or regulations specific to certain countries (primarily USA, UK, Canada, and Australia). If you are using calculators from a different country, results may not be applicable to your jurisdiction. Always verify with local professionals and authorities.

9. No Warranties

The Site and all calculators are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

10. Agreement to Terms

By using this Site, you acknowledge that you have read, understood, and agree to this Disclaimer. You also agree to our Terms of Service and Privacy Policy.

11. Contact Us

If you have questions about this Disclaimer, please contact us at:

Email: selfimprovingdeveloper@gmail.com

Summary

Our calculators are educational tools, not professional advice. Results are estimates only. Always verify with qualified professionals before making important financial, medical, legal, or tax decisions. Use at your own risk. We are not liable for decisions made based on calculator results.