Terms of Service

1. Acceptance of Terms

By accessing or using CalcRiva.com, you agree to be bound by these Terms of Service. If you do not agree, please do not use this website.

2. Nature of the Service

CalcRiva provides free financial calculators for informational and educational purposes only. CalcRiva is not a bank, lender, financial institution, registered investment advisor, or licensed financial professional. We do not provide financial, legal, tax, or investment advice.

3. No Warranty / Accuracy Disclaimer

THE CALCULATORS, CONTENT, AND TOOLS ON THIS WEBSITE 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, ACCURACY, OR NON-INFRINGEMENT. WE MAKE NO REPRESENTATION OR WARRANTY THAT ANY CALCULATION, RESULT, OR ESTIMATE PRODUCED BY THIS WEBSITE IS ACCURATE, COMPLETE, OR APPLICABLE TO YOUR INDIVIDUAL FINANCIAL SITUATION.

Calculations are based on the information you provide and standard industry formulas, and may not reflect actual loan terms, rates, fees, taxes, or outcomes offered by any specific lender, institution, or financial product.

4. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CALCRIVA, ITS OWNERS, OPERATORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ANY CALCULATIONS, CONTENT, OR INFORMATION PROVIDED HEREIN — INCLUDING BUT NOT LIMITED TO FINANCIAL LOSS, LOST PROFITS, OR DAMAGES RESULTING FROM DECISIONS MADE BASED ON CALCULATOR RESULTS. YOUR USE OF THIS WEBSITE AND RELIANCE ON ANY INFORMATION IS ENTIRELY AT YOUR OWN RISK.

Our total liability for any claim arising from your use of this website shall not exceed $100 (one hundred US dollars).

5. Not Professional Advice

Nothing on this website constitutes financial, legal, tax, accounting, or investment advice. Before making any financial decision, you should consult a licensed financial advisor, accountant, attorney, or credit counselor who is familiar with your individual circumstances. Past performance and historical data referenced on this site do not guarantee future results.

6. User Responsibility

You are solely responsible for evaluating the accuracy and applicability of any information or calculation provided by this website before relying on it for any purpose. It is your responsibility to independently verify all figures with a qualified professional or financial institution before making major financial decisions.

7. Third-Party Links

This website may contain links to third-party websites. CalcRiva does not endorse and is not responsible for the content, accuracy, or privacy practices of any linked third-party site.

8. Intellectual Property

All content, calculators, designs, text, and graphics on this website are the property of CalcRiva unless otherwise stated, and are protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without prior written consent.

9. Changes to These Terms

We reserve the right to modify or update these Terms of Service at any time without prior notice. Continued use of the website after changes are posted constitutes your acceptance of the updated terms.

10. Time Limit on Claims

Any claim or cause of action arising out of or related to your use of this website must be filed within one (1) year after the claim or cause of action arises. After this period, such claim is permanently barred, to the extent permitted by applicable law.

11. Governing Law

These Terms shall be governed by the laws of the United States, without regard to conflict of law principles. Note: certain state laws (e.g., New Jersey, California) may grant consumers additional rights that cannot be limited by these Terms; nothing in this section is intended to override such rights where applicable.

12. Contact

Questions about these Terms can be sent to [email protected].