Terms of Service

Last updated: April 2026

⚠️ Important: CalcWolf provides calculators for informational and educational purposes only. Results are estimates and should not be used as the sole basis for financial, medical, legal, or any other professional decisions. Always consult a qualified professional for advice specific to your situation.

1. Acceptance of terms

By using CalcWolf (calcwolf.com), you agree to these terms. If you don't agree, please don't use the site. These terms apply to all users of the site.

2. Use of the site

CalcWolf is free to use for personal, educational, and non-commercial purposes. You may:

Use any calculator on the site for personal or educational purposes
Share links to calculator pages
Reference CalcWolf results in personal financial planning (with appropriate caution — see Section 4)

You may not:

Scrape, copy, or reproduce calculator logic or content for a competing product without permission
Use CalcWolf in a way that overloads or disrupts the service
Represent CalcWolf results as professional advice to third parties

3. No account required

CalcWolf does not require registration. No personal account is created when you use the site. See our Privacy Policy for details on what minimal data is collected.

4. Accuracy and disclaimer

We work hard to keep our calculators accurate. Formulas are sourced from primary references and verified against independent tools. See our Editorial Policy for details on our verification process.

However, CalcWolf results are estimates, not guarantees. Financial calculators use general formulas that may not account for your specific tax situation, loan terms, state laws, or other variables. Health calculators use population-average formulas that may not apply to every individual. Tax calculators use projected rates that may differ from your actual filing outcome.

CalcWolf results are not:

Financial advice (consult a CFP or CPA)
Medical advice (consult a licensed healthcare provider)
Legal advice (consult a licensed attorney)
Tax advice (consult a CPA or tax professional)

5. Intellectual property

The CalcWolf name, logo, calculator logic, and written content are owned by Kevin Glover. The underlying mathematical formulas used in calculators are in the public domain or based on published standards — we do not claim ownership of the math itself.

6. Third-party advertising

CalcWolf displays advertisements through Google AdSense. We do not control the content of these ads and are not responsible for third-party products or services advertised. We do not receive any payment for endorsing specific products.

7. Limitation of liability

CalcWolf is provided "as is" without warranties of any kind. To the maximum extent permitted by law, Kevin Glover and CalcWolf are not liable for any damages arising from your use of the site, including but not limited to financial decisions made based on calculator results.

8. Changes to these terms

We may update these terms from time to time. Changes take effect when posted to this page. Continued use of the site after changes constitutes acceptance.

9. Contact

Questions about these terms: About page or @gloverbuilds on X.

📅 Last updated: April 2026