Calculixy is an estimate engine, not an advisor

1. "As-Is" Outputs — No Accuracy Warranty

All calculator outputs are provided "as-is" and "as-available" without representation or warranty of any kind — express, implied, or statutory — including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement. Calculixy makes no guarantee that any result is correct, current, or applicable to your specific situation. Real-world outcomes depend on lender requirements, market conditions, applicable law, individual health factors, institutional policies, and many other variables no calculator can anticipate.

2. Calculator-Specific Disclaimers

Real Estate & Lending Calculators — DSCR Calculator (all 50 state variants), Mortgage Calculator, Reverse Mortgage Calculator, Wrap-Around Mortgage Calculator, Auto Loan Calculator, Loan Calculator, Hard Money Calculator, LTV vs. LTC Reconciler, ARV & MAO Calculator, Debt Yield Calculator, Break-Even Occupancy Calculator, NNN Lease Proration Calculator, SBA 7(a) Acquisition Calculator, SBA 504 Calculator, and Equity Waterfall & IRR Calculator produce illustrative estimates only. Output figures are not loan offers, commitments, pre-approvals, formal underwriting analyses, credit decisions, or guarantees of any interest rate, APR, payment, term, or lender compliance. IRR, waterfall distributions, and equity projections are mathematical models — actual returns depend on exit timing, market conditions, lender-specific requirements, and deal terms no calculator can fully anticipate. Verify every figure with a licensed lender, mortgage broker, or CPA before acting.

Insurance & Valuation Calculators — ACV Replacement Cost Calculator, Coinsurance Penalty Calculator, Business Interruption Calculator, and Content Site Valuation Calculator produce estimates based solely on user-supplied inputs. ACV and coinsurance figures depend on policy language, depreciation schedules, and insurer interpretations that vary materially between carriers. Content site valuations are revenue-multiple models and do not constitute appraisals, brokerage opinions of value, or offers to buy or sell. Consult a licensed insurance professional or business broker before relying on these outputs.

Business & Investment Calculators — Machinery ROI Calculator, Earn-Out Calculator, Raw Material Yield Calculator, Compound Interest Calculator, Retirement Calculator, and Salary Calculator produce projections based on static assumptions. Actual ROI, earn-out payouts, yield rates, investment returns, retirement balances, and net compensation depend on market volatility, contractual terms, tax treatment, and factors outside the scope of any calculator. These outputs are not financial-planning advice, investment recommendations, or actuarial projections.

Tax & Finance Calculators — Sales Tax Calculator (all 50 state variants), Currency Converter, Tip Calculator, and Percentage Calculator use rates and exchange data that change frequently. Tax rates may not reflect current local surtaxes, exemptions, or recent legislative changes. Currency rates are indicative only and will differ from bank, broker, or exchange rates at time of transaction. Do not use these outputs for tax filings, legal proceedings, or financial reporting without independent verification.

Health Calculators — BMI Calculator, Calorie Calculator, and Due Date Calculator provide general population-based estimates only. These are not medical advice, clinical assessments, diagnoses, or treatment recommendations. BMI is a screening metric; calorie needs vary by individual metabolism; due dates are statistical projections. Consult a licensed healthcare provider for any personal medical or obstetric guidance.

Educational & Utility Calculators — GPA Calculator, Grade Calculator, Standard Calculator, Scientific Calculator, Age Calculator, and SAP Lye Calculator produce mathematical outputs based on user inputs. GPA results may differ from official institutional records. Lye (NaOH) calculations for soap-making are informational only; handle all caustic materials per manufacturer safety guidelines and applicable regulations. Do not rely on any utility calculator output for official filings, legal proceedings, or certified measurements.

3. No Fiduciary or Advisory Relationship

Use of Calculixy does not create, and shall not be construed to create, any fiduciary duty, advisory relationship, attorney-client privilege, broker-client relationship, or any other professional relationship between you and Calculixy or its operators, contributors, or affiliates. Nothing on this site constitutes a solicitation to buy, sell, or hold any financial product or security.

4. Limitation of Liability

To the maximum extent permitted by applicable law, Calculixy and its operators, contributors, and affiliates shall have no liability whatsoever for any loss, damage, or injury — whether direct, indirect, incidental, consequential, special, exemplary, or punitive — arising from your use of or reliance on any calculator output, guide, article, or other content on this site. This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if Calculixy has been advised of the possibility of such damages. Your sole remedy is to discontinue use of the site.

5. User Acknowledgment

By using any calculator on Calculixy, you acknowledge and agree that: (i) outputs are estimates only; (ii) you are solely responsible for verifying the accuracy and applicability of results before acting on them; (iii) you will consult licensed professionals for any decision of material consequence; and (iv) Calculixy is not liable for any damages resulting from your reliance on its outputs.

Questions & Corrections

If you believe any formula or output is in error, please contact us through our Contact page or email bugs@calculixy.com directly. We review reported inaccuracies promptly. This disclaimer is incorporated by reference into Calculixy's Terms of Use and Privacy Policy.