Disclaimers
1. Educational Tool — Not Professional Advice
Calcorama is an educational reference service. Every calculator on the Site produces estimates based on simplified models, standardised formulas, and the inputs you provide. These estimates are intended to give you a general orientation — a starting point for further enquiry — and nothing more. They are NOT a substitute for advice from a qualified professional, and they should NOT be used as the sole basis for any material decision.
The disclaimer in the Site footer — \"Estimates only. Not financial, medical, or legal advice.\" — is a summary of this page. The domain-specific warnings below explain what that means in each context.
2. Financial Calculators
Calcorama is not a registered investment adviser, broker-dealer, financial planner, or financial analyst under any jurisdiction's laws. Nothing on the Site constitutes investment advice, a solicitation to buy or sell any security, or a recommendation of any financial product.
Financial calculators (compound interest, loan repayments, savings projections, portfolio growth, etc.) use generic formulas that do not account for your individual financial situation, risk tolerance, tax position, fees, inflation differentials, market volatility, or the specific terms of any financial instrument. Actual returns and costs will differ — sometimes significantly — from the estimates shown.
Before making any investment, loan, insurance, or retirement decision of material consequence, consult a licensed financial adviser or equivalent regulated professional in your jurisdiction.
3. Health and Medical Calculators
Calcorama is not a medical device, a clinical decision-support system, or a licensed healthcare provider. Health calculators (BMI, body-fat estimates, caloric needs, pregnancy due dates, water intake, medication dose guides, etc.) are based on population-level statistical models that may not apply to your individual physiology, health conditions, or medical history.
Do not use any health calculator on this Site to self-diagnose, to determine or adjust medication dosages, to decide whether to seek emergency care, or to replace the advice of a doctor, nurse, dietitian, pharmacist, or other licensed healthcare professional. If you have a medical concern, contact a qualified healthcare provider.
In the European Union, this Site does not constitute a medical device within the meaning of Regulation (EU) 2017/745 (MDR) and is not intended to diagnose, prevent, monitor, treat, or alleviate any disease or medical condition.
4. Legal Calculators
Calcorama is not a law firm and does not provide legal advice. Legal calculators (penalty estimates, limitation periods, statutory interest, etc.) provide generic information about legal rules that may be simplified, may not reflect your specific jurisdiction, and may be outdated due to legislative changes.
Legal outcomes depend on facts, local statutes, court interpretations, and procedural rules that no calculator can fully capture. Consult a qualified lawyer admitted to practise in your jurisdiction before taking or refraining from any legal action.
5. Tax Calculators
Tax law is highly jurisdiction-specific and changes frequently — sometimes multiple times per year. Tax brackets, rates, allowances, reliefs, and credits shown in our calculators reflect the parameters we implemented at a point in time; they may be incomplete, approximate, or outdated by the time you use them. In particular, the French income-tax (barème IR) calculator uses the schedule in force at the date shown; it may not reflect mid-year amendments, regional contributions, or your specific household situation.
Tax calculators on this Site do not replace your annual tax return. They do not constitute tax advice within the meaning of any professional-services regulation. Consult a chartered accountant, tax adviser, or your national tax authority (e.g. the Direction Générale des Finances Publiques in France) for guidance on your specific tax situation.
6. Accuracy and Best-Effort Maintenance
We make genuine efforts to implement correct formulas and to keep reference data (tax tables, physical constants, conversion factors, etc.) current. However, every calculator is subject to:
- Rounding or floating-point arithmetic differences from official calculations.
- Formula edge-cases or input combinations we have not tested.
- Outdated parameters that have changed since our last update.
- Simplifying assumptions that do not apply to every situation.
If you find a result that appears incorrect, please use the feedback form on the relevant calculator page. We investigate all credible reports.
7. No Warranty of Fitness for a Particular Purpose
THE SITE AND ALL CALCULATOR OUTPUTS ARE PROVIDED WITHOUT ANY WARRANTY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR MERCHANTABILITY. RESULTS ARE PROVIDED ON AN \"AS IS\" BASIS. WE EXPRESSLY DISCLAIM ALL LIABILITY FOR DECISIONS MADE IN RELIANCE ON CALCULATOR OUTPUTS. SEE THE Terms of Use FOR THE FULL LIMITATION OF LIABILITY CLAUSE.
8. User Responsibility
You are responsible for verifying any critical result independently before acting on it. For decisions involving significant sums of money, health consequences, legal rights, or tax obligations, you should always:
- Cross-check the result using an official source or a second calculator.
- Consult the relevant professional (financial adviser, physician, lawyer, accountant) before proceeding.
- Consider whether the simplifying assumptions of the calculator apply to your specific situation.
9. Third-Party Links
The Site may link to external resources (official standards, Wikipedia articles, government websites) for reference. Calcorama does not control these sites, does not endorse their content, and accepts no responsibility for their accuracy, availability, or privacy practices. Following external links is at your own risk.
10. Contact
If you have questions about these disclaimers, or if you believe a calculator contains a significant error, contact us at contact@calcorama.com. For legal and privacy matters, also see our Privacy Policy and Terms of Use.