Terms & Conditions

1

Acceptance of Terms

Welcome to Calc Zest ("we," "us," or "our"). By accessing or using our website located at calczest.com (the "Site"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use our Site.

These Terms apply to all visitors, users and others who access or use the Site. Your continued use of the Site following the posting of any changes to these Terms constitutes acceptance of those changes.

2

Use of the Website

You may use Calc Zest for lawful, personal and non-commercial purposes only. By using the Site, you agree that you will not:

• Use the Site in any way that violates applicable local, national or international laws or regulations.
• Attempt to gain unauthorized access to any part of the Site or its related systems.
• Transmit any unsolicited or unauthorized advertising or promotional material.
• Reproduce, duplicate, copy, sell or exploit any portion of the Site without our express written permission.
• Use automated tools, bots or scrapers to extract data from the Site.
• Interfere with or disrupt the integrity or performance of the Site or its content.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site.

We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any reason, including if we believe you have violated these Terms.

3

Disclaimer of Warranties

The Site and all content, tools and calculators are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied.

To the fullest extent permitted by law, Calc Zest expressly disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose and non-infringement.
• Any warranty that the Site will be uninterrupted, error-free or free of viruses or other harmful components.
• Any warranty regarding the accuracy, completeness, reliability or timeliness of any content or results.
• Any warranty that defects in the Site will be corrected.

4

Accuracy of Information

While we make every effort to ensure that the information and calculations provided on Calc Zest are accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability or suitability of the information.

Tax rates, financial regulations and other variables used in our calculators are subject to change. We endeavour to update our tools promptly when such changes occur, but we cannot guarantee that all information is current at all times.

• Calculator results are based on the inputs you provide and may not reflect your full financial situation.
• Tax-related calculators use publicly available rate information and may not account for all deductions, credits or exemptions.
• Healthcare cost estimates are illustrative and vary significantly by provider, location and individual circumstances.
• Investment projections assume constant growth rates and do not account for market volatility or inflation.

Always consult a qualified financial advisor, tax professional or other licensed expert before making any financial, tax or healthcare decisions.

5

Limitation of Liability

To the maximum extent permitted by applicable law, Calc Zest and its owners, employees, partners and affiliates shall not be liable for any:

• Direct, indirect, incidental, special, consequential or punitive damages.
• Loss of profits, revenue, data, goodwill or other intangible losses.
• Damages resulting from your use of or inability to use the Site or its calculators.
• Damages resulting from any errors or omissions in any content on the Site.
• Damages resulting from unauthorized access to or alteration of your data.
• Any other matter relating to the Site, however arising.

6

Intellectual Property

All content on the Calc Zest website — including but not limited to text, graphics, logos, icons, images, calculator designs, code and software — is the property of Calc Zest and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Site for personal, non-commercial purposes only. This licence does not include the right to:

• Reproduce, modify or distribute any content from the Site.
• Create derivative works based on the Site's content or design.
• Use any data mining, robots or similar data gathering tools.
• Download or copy account information for the benefit of another party.
• Use the Calc Zest name, logo or branding without prior written consent.

7

Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by Calc Zest. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party websites.

We strongly advise you to read the terms and conditions and privacy policy of any third-party website you visit. The inclusion of any link does not imply endorsement by Calc Zest of the linked site or service.

8

Privacy

Your use of Calc Zest is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

All calculations on Calc Zest are performed entirely within your browser. We do not transmit, store or process any financial data you enter into our calculators on our servers.

9

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of significant changes by updating the "Last Updated" date at the top of this page.

It is your responsibility to review these Terms periodically for changes. Your continued use of the Site after any changes to these Terms constitutes your acceptance of the new Terms.

• Minor changes (such as grammar corrections) may be made without notice.
• Material changes will be reflected in an updated "Last Updated" date.
• We recommend bookmarking this page and reviewing it periodically.

10

Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.

Any disputes arising from or relating to these Terms or your use of the Site shall be resolved through good-faith negotiation in the first instance. If a dispute cannot be resolved informally, it shall be subject to the exclusive jurisdiction of the courts of competent jurisdiction.

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms shall otherwise remain in full force and effect.

11

Contact Us

If you have any questions, concerns or feedback regarding these Terms & Conditions, please don't hesitate to reach out to us.