These Terms and Conditions explain how to use CalcCielo at calccielo.com. Please read them alongside our Privacy Policy, Cookie Policy and Disclaimer. By using this website, you agree to follow these terms to the extent permitted by applicable law. If you disagree, please stop using the service.
Purpose and scope
CalcCielo provides calculators, converters and supporting explanations for general information. The site is designed to help users explore numerical questions, understand methods and compare possible outcomes; it is not a substitute for a source of professional, contractual or regulatory authority.
Our editorial emphasis is on borrowing and planning: interest rates, repayment periods and fees must be considered together rather than treating a monthly amount as the entire cost.
Calculations, assumptions and decisions
Inputs, formulas and rounding
Calculations depend on the figures and units you enter, the assumptions stated on a particular tool page and the formulas implemented at the time of use. Check decimal separators, time periods, percentages, rounding and measurement units. Results can change when any input or method changes.
For example, a loan-payment estimate based on principal, interest rate and term is not a lender offer; taxes, charges and variable rates can change the real cost.
Financial, medical, technical and other consequential decisions
A numerical estimate is not personal financial, medical, legal, engineering or safety advice. Rules, products, physical circumstances and individual needs vary. Before relying on a result for a loan, diagnosis, treatment, structural design, taxes or another consequential decision, verify it against authoritative guidance and a qualified professional where appropriate.
Acceptable use
Please use the site lawfully and in a way that does not disrupt other visitors. In particular:
- Do not interfere with servers, security checks or the availability of pages.
- Do not attempt unauthorized access or probe accounts or systems without permission.
- Do not knowingly submit malicious code or use the service to mislead or harm others.
- Do not reproduce substantial site content in a manner that infringes applicable rights.
Site content and intellectual property
Explanations, page designs and original written materials may be protected by copyright and other laws. You may read the materials, use calculations for legitimate personal or business decisions and quote small portions where legally allowed, with appropriate attribution. Third-party names, brands and materials remain subject to their respective owners' rights. This section does not claim ownership of independent mathematical formulas or facts.
Third-party links, hosting and advertising
Some pages may link to external resources or services. Their content, terms and privacy practices are controlled by their operators; a link is not necessarily an endorsement. Advertising, measurement or security providers may be used if configured, but mentioning Google AdSense, Analytics, Cloudflare or other vendors here does not assert that a particular integration is currently active. For data practices and choices, consult the Privacy Policy and Cookie Policy.
Availability, corrections and changes to tools
Features, calculations and content may be changed, corrected, restricted or removed as the project develops. We aim to correct reported errors, but cannot promise uninterrupted access, fault-free calculations or that every example remains current for every jurisdiction. If you notice an error, please include the page URL, inputs, expected result and the reason for the discrepancy without sharing confidential details.
Warranties and responsibility
To the extent allowed by applicable law, the site is offered for general information without a guarantee of fitness for a particular decision or a guarantee that estimates will match real-world outcomes. You remain responsible for checking outputs and using independent judgment. Nothing in these terms excludes rights or liability that cannot lawfully be excluded, including mandatory consumer protections where applicable. See the separate Disclaimer for further context.
Privacy, applicable rights and updates
Personal-data practices, any optional advertising or analytics and possible security cookies are discussed in the Privacy Policy and Cookie Policy. Those notices must match the technologies actually deployed. We may revise these terms when the service or legal requirements change; the date shown above should be updated when revisions are published. Applicable law determines any non-waivable rights. These terms do not invent a governing jurisdiction or waive statutory protections.
Contact and feedback
For questions about these terms or a suspected calculator error, see our Contact page or write to [email protected]. Please avoid sending passwords, payment credentials or sensitive health information.
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