Terms of Use

Last updated: June 15, 2026

Acceptance of terms

By accessing or using 8calc.com you agree to these Terms. If you do not agree, do not use the Site. The Site is free for personal, educational, and informational use.

No professional advice — this is important

The calculators, articles, guides, and all content on this Site are for general information and educational purposes only. They do not constitute financial, investment, tax, legal, medical, health, fitness, or any other professional advice, and no professional-client relationship is created. Calculator results are mathematical estimates based on your inputs and standard formulas. Your actual loan terms, tax obligations, health metrics, and outcomes depend on facts a calculator cannot know. Always verify important figures with a qualified, licensed professional — a lender, CPA, attorney, or physician as appropriate — before acting.

Accuracy and disclaimer of warranties

We make diligent efforts to keep every formula correct and the Site functional. We genuinely want to hear about errors via the contact page. However, the Site and all content are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.

Limitation of liability

To the maximum extent permitted by law, 8calc.com, its owner (Stanley King), and affiliated parties shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site, its calculators, or any decisions made in reliance on calculator results, regardless of the theory of liability and even if advised of the possibility of such damages.

Intellectual property

Original text, articles, design, code, and graphics are © 2026 8calc.com. All rights reserved. Mathematical formulas are the common heritage of humanity. You may link to any page freely. Do not reproduce substantial portions without written permission.

Acceptable use

Do not: disrupt or damage the Site; attempt unauthorized access; scrape at abusive volume; use the Site for any unlawful purpose; or submit harmful content.

Third-party links and advertising

The Site may contain links to third-party websites and display advertisements served by Google AdSense. These are governed by their own terms and privacy policies.

Indemnification

You agree to indemnify and hold harmless 8calc.com and its owner from claims, damages, losses, and expenses arising from your use of the Site or violation of these Terms.

Governing law

These Terms are governed by the laws of the State of Nevada, United States. Disputes shall be resolved in the courts of Clark County, Nevada.

Changes

We may update these Terms from time to time. Continued use after changes constitutes acceptance. The date above reflects the latest revision.

Contact

Questions about these Terms: contact page.