Terms of Use

Last updated: 2026-10-04

By using cal.vetter-ai.com you agree to these terms. If you do not agree, please do not use the site.

1. Informational purpose only

Cal provides free calculators and reference information for general educational purposes. Nothing on this site is financial, investment, tax, legal, insurance, medical, or other professional advice, and no calculator output creates a professional relationship of any kind.

2. No warranty of accuracy

Results are estimates produced from the formulas and assumptions shown on each page. Real-world figures depend on fees, taxes, rates, local regulations, and personal circumstances that the tools cannot know. The site is provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose.

3. Your responsibility

You are responsible for the inputs you enter and for how you use the results. Verify anything important with a qualified professional and with primary sources such as a lender, insurer, tax authority, or clinician before acting on it.

4. Limitation of liability

To the maximum extent permitted by law, Cal and its operators are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill arising from your use of the site.

5. Acceptable use

You agree not to scrape the site at a rate that degrades service for others, not to attempt to interfere with its operation, and not to present the site's results as professional advice.

6. Advertising and third-party links

The site displays advertising served by Google AdSense and may link to third-party websites. We do not control and are not responsible for third-party content, products, or privacy practices.

7. Intellectual property

The site's text, layout, and code are owned by their respective authors and are protected by copyright. You may use the calculators freely for personal or commercial decisions, but you may not republish the content wholesale.

8. Changes and governing terms

We may update these terms at any time; continued use after an update constitutes acceptance. Questions can be sent to hello@vetter-ai.com.