Legal Disclaimer
Calculixy is an estimate engine, not an advisor. Every output is a mathematical result based solely on the inputs you supply. No output constitutes financial, investment, mortgage, tax, legal, medical, or any other professional advice. No use of this Site creates any professional, fiduciary, or advisory relationship between you and Calculixy. Read this disclaimer before relying on any result.
1. Estimates Only — 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. Real-world outcomes depend on lender requirements, market conditions, applicable law, individual health factors, institutional policies, and many other variables no calculator can anticipate. Calculixy makes no guarantee that any result is correct, current, or applicable to your specific situation, and is not liable for data transmission errors, local browser rendering bugs, or client-side script failures that may distort mathematical outputs.
2. Calculator-Specific Notices
Real Estate & Lending
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. Outputs 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 requirements, and deal terms. Verify every figure with a licensed lender, mortgage broker, or CPA before acting.
Insurance & Valuation
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 — not 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
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
Sales Tax Calculator (all 50 state variants), Currency Converter, Tip Calculator, and Percentage Calculator use rates and 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 or exchange rates at time of transaction. Do not use these outputs for tax filings, legal proceedings, or financial reporting without independent verification.
Health
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.
Chemical & Safety Utility
SAP Lye Calculator produces mathematical outputs for informational drafting only. Sodium Hydroxide (Lye) and Potassium Hydroxide (KOH) are highly caustic chemicals. Incorrect ratios can cause severe chemical burns, permanent injury, or property damage. YOU ASSUME ALL RISK FOR EXPOSURE OR USE OF THESE OUTPUTS. Always independently verify lye discount percentages and SAP values with certified industry charts before manufacturing or handling caustic materials.
Education & Utility
GPA Calculator, Grade Calculator, Standard Calculator, Scientific Calculator, and Age Calculator produce mathematical outputs based on user inputs. GPA results may differ from official institutional records, which always govern. Do not rely on any utility calculator output for official filings, legal proceedings, or certified measurements.
3. Limitation of Liability
4. User Acknowledgment
By using any calculator on Calculixy, you acknowledge and agree that: (i) all 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; (iv) Calculixy is not liable for any damages resulting from your reliance on its outputs; and (v) any legal disputes arising from the use of this site shall be governed by the laws of the State of Florida and the United States, with exclusive venue in the courts governing Broward County, FL, as incorporated into the Terms of Use.
This disclaimer is incorporated by reference into Calculixy's Terms of Use and Privacy Policy.
5. Questions & Error Reports
If you believe any formula or output is in error, please contact us through our Contact page or email bugs@calculixy.com. We review reported inaccuracies promptly.