Smarts Calculator

Terms of Use

These terms describe use of SmartsCalculator.com and its calculators and educational content. By using the site, you agree to use it lawfully and in accordance with these terms.

Educational use

Tools provide general calculations and estimates based on the inputs and assumptions selected. You are responsible for checking those inputs and deciding whether the method suits your purpose. The site does not establish a professional advisory relationship.

Verify important results

Do not treat a result as a lender quote, investment promise, medical diagnosis, tax determination, construction specification or official record. Confirm important results with an appropriate professional, provider or authority. Read the methodology and disclaimer before relying on an estimate.

Acceptable use

Do not attempt unauthorized access, introduce malicious code, disrupt availability, evade access controls or submit abusive or unlawful material. Use the contact form for relevant enquiries and do not submit another person's confidential information without authorization.

Content and third-party services

Respect applicable intellectual-property rights when reusing site text, design or software. Third-party links and advertisements are subject to the relevant provider's terms. Their presence does not establish an endorsement or responsibility for an external service.

Availability and limitations

Features and content may be changed, corrected or removed. The website is provided as available, without a promise of uninterrupted access or error-free results. Any limitation of responsibility applies only to the extent permitted by applicable law and does not exclude rights that cannot lawfully be excluded.

Privacy and questions

Our privacy policy explains information handling. For questions about these terms or a website issue, use the contact page. Terms may change as the service changes; review this page for the current version.

Last updated: October 28, 2026