1. Acceptance of terms
By accessing or using Calcova ("the Site"), you agree to be bound by these Terms of Use. If you do not agree, do not use the Site.
2. Description of service
Calcova provides free financial and everyday calculators, including but not limited to take-home pay, US paycheck, mortgage, debt payoff, crypto tax, RRSP/TFSA comparison, and health/lifestyle tools. All calculations are provided for informational and educational purposes only.
3. No professional advice
Calculators on Calcova are tools for estimation only. They do not constitute financial, tax, legal, or accounting advice. Results are based on publicly available figures (CRA and IRS rates, CPP/EI and FICA thresholds, published formulas) and general assumptions. Your personal situation may involve factors these tools do not capture.
Before making financial decisions — tax filings, investment choices, debt strategies, mortgage applications, or retirement planning — consult a qualified professional. Calcova is not a substitute for personalized professional guidance.
4. Accuracy
We build every calculator from official, publicly available sources and update them when those sources change. However, we cannot guarantee that every result is accurate for every individual circumstance. Tax law is subject to interpretation, jurisdictional variations exist, and edge cases are common. If you believe a result is incorrect, report it to us and we will verify against the primary source.
5. Acceptable use
You agree to use Calcova tools only for personal, lawful purposes. In particular, you may not:
- Use any calculator to generate fraudulent documents or misleading financial information
- Resell, redistribute, or systematically scrape calculator outputs for commercial purposes without written permission
- Attempt to reverse-engineer, modify, or interfere with the Site's functionality
- Use automated tools (bots, scripts, crawlers) to access the Site at volume
- Frame or embed Calcova calculators on another site without permission
6. Privacy and data
The calculators on Calcova run entirely in your browser. We do not collect, store, or process any of the numbers you enter into the calculators (income, debt amounts, crypto holdings, etc.). We collect limited aggregate analytics (page views, anonymized traffic patterns) to understand how the Site is used — no personal financial data is included. For more, see our Privacy Policy.
7. Advertising
This Site is monetized through Google AdSense and potentially other advertising partners. These third parties may use cookies to serve ads based on your prior visits to this or other websites. Advertising cookies are not set until you accept them via our cookie banner. You can opt out of personalized advertising through Google Ads Settings or aboutads.info.
The presence of advertisements does not constitute endorsement of any product or service. Calcova is not responsible for the content of third-party advertisements.
8. Intellectual property
All original content on Calcova — editorial text, calculator designs, page layouts, and branding — is the property of Calcova and may not be reproduced or distributed without permission. Calculator outputs generated by your use of the Site are yours; we claim no ownership over calculations you perform.
9. Third-party references
Calcova may reference third-party products, services, or organizations (e.g. CRA, IRS, specific banks, province or state names). These references are informational only and do not imply endorsement, sponsorship, or affiliation unless explicitly stated.
10. Limitation of liability
The Site is provided "as is," without warranty of any kind, express or implied. Calcova disclaims all warranties, including the accuracy, completeness, or fitness of any calculation for a particular purpose. In no event shall Calcova be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on any calculator output, including financial losses, tax penalties, or missed opportunities.
11. Changes to these terms
We may update these Terms from time to time. The "Last updated" date above will be revised. Continued use of the Site after changes constitutes acceptance.
12. Contact
Questions about these Terms? See our contact page.