Terms and Conditions & Disclaimer for Caltoz
Last Updated: March 2026
Welcome to Caltoz (https://www.caltoz.com). By accessing or using this website, you agree to comply with and be bound by the following Terms, Conditions, and Disclaimer.
If you do not agree, please do not use our website.
1. Use of Website
Caltoz provides free online calculators and informational content.
By using this website, you agree to:
Use the site only for lawful purposes
Not attempt to disrupt or damage the website
Not use automated systems (bots or scraping tools) without permission
2. No Professional Advice
All calculators and content on Caltoz are provided for informational and educational purposes only.
👉 Caltoz does not provide:
Financial advice
Legal advice
Tax advice
Investment advice
You should consult a qualified professional before making decisions based on any results.
3. Disclaimer of Accuracy
While we aim to provide accurate and reliable calculators:
We make no guarantees about accuracy or completeness
Results depend on user input and assumptions
Calculations may be simplified
👉 Always verify results independently.
4. Use at Your Own Risk
Your use of Caltoz is entirely at your own risk.
We are not responsible for:
Financial or business losses
Decisions made based on calculator results
Errors, omissions, or inaccuracies
5. Limitation of Liability
To the fullest extent permitted by law, Caltoz and its owners shall not be liable for:
Any direct or indirect damages
Loss of profits, data, or opportunities
Website downtime or technical issues
6. No Warranties
All tools and content are provided “as is” without warranties of any kind.
We do not guarantee that:
The website will always be available
The calculators will be error-free
Results will meet your expectations
7. Intellectual Property
All content on Caltoz, including:
Text
Calculator logic
Design and branding
is the property of Caltoz and protected by copyright laws.
You may not copy, reproduce, or distribute content without permission.
8. Third-Party Links
Caltoz may include links to third-party websites.
We are not responsible for:
Their content
Their privacy policies
Their services
Use third-party sites at your own risk.
9. Privacy & Cookies
Your use of Caltoz is also governed by our Privacy & Cookie Policy.
10. Changes to Terms
We may update these Terms, Conditions, and Disclaimer at any time.
Updates will be posted on this page with a revised date.
11. Termination
We reserve the right to restrict or terminate access to the website if these terms are violated.
12. Governing Law
These Terms shall be governed by applicable laws.
13. Contact Us
If you have any questions: