Terms and Conditions

1. About these terms

These Terms and Conditions explain the conditions for using EverythingCalculated.com (the “website”), including its calculators, tools, explanations and other content.

EverythingCalculated.com is owned and operated by George Zissimopoulos. References to “Everything Calculated”, “we”, “us” and “our” mean George Zissimopoulos as the operator of this website.

Please read these terms before using the website. If you do not agree with them, please stop using the website. These terms apply to the extent permitted by applicable law and do not override rights that the law protects.

2. Purpose of the website

Everything Calculated provides free calculators and educational information to help users explore everyday questions. Our tools may cover health, finance, food, relationships, work, education, travel, dates, games and other topics.

Tools and explanations are intended for general information and illustration. They do not create a professional, advisory or client relationship between you and Everything Calculated.

3. Calculator results and assumptions

Results depend on the values you enter, the selected units, and the formulas, assumptions and rounding used by each tool. An estimate may differ from a professional assessment, a provider’s quote or a result produced using another method.

• Check that your inputs, units and selected options are correct.
• Read the tool’s explanation, limitations and notices before relying on a result.
• Independently verify results before making decisions with significant health, financial, legal or practical consequences.
• Do not use a calculator as the sole basis for safety-critical decisions.

We aim to provide useful and accurate tools, but errors, omissions and outdated information can occur. We do not promise that every tool is suitable for every situation or that a particular result will occur. Our Methodology page explains our approach.

4. Professional advice and disclaimers

Health tools do not diagnose conditions, prescribe treatment or replace advice from a qualified healthcare professional. Do not delay seeking medical care because of information or results on this website.

Financial tools do not provide personalised financial, investment, tax, credit or legal advice. Examples and projections are not offers, lender approvals or guarantees of future performance. Seek qualified advice where appropriate.

Some tools are intended for entertainment or general exploration and should be interpreted accordingly. Read our Medical Disclaimer, Financial Disclaimer and General Disclaimer alongside the relevant tool notices. These notices remain subject to applicable law and the rights protected in section 11.

5. Acceptable use

You may use the website for lawful personal, educational and ordinary business purposes, subject to these terms. You must not:

• Introduce malicious software, attempt unauthorised access, or interfere with the website’s security.
• Overload or disrupt the website through excessive automated requests or other abusive activity.
• Use the website to commit fraud, mislead others or infringe another person’s rights.
• Misrepresent calculator results as a professional certification, official approval or personalised advice.
• Remove attribution or present our protected content, branding or code as your own.
• Submit unlawful, threatening, harassing or deliberately misleading messages through our contact channels.

These conditions do not restrict activities that applicable law expressly permits.

6. Intellectual property and permitted sharing

Unless otherwise stated, rights in the website’s original text, design, branding, graphics and software belong to Everything Calculated or its licensors. Third-party materials remain the property of their respective owners.

You may link to our publicly accessible pages and use calculator outputs for lawful purposes. You may print or save reasonable extracts for personal reference, and quote brief extracts with clear attribution and a link to the original page, subject to applicable copyright law.

Using a numerical result does not give you ownership of the underlying calculator code, design or explanation. Contact us before republishing substantial portions of our content, reproducing our branding, or copying or embedding our tools, unless a licence or applicable law already permits that use.

7. Third-party links and services

The website may link to third-party websites, sources, products or services. Links are provided for reference or convenience; a link does not by itself mean that we endorse everything on the linked website.

Third parties control their own content, availability, prices, policies and services. Review their terms and privacy information before using their services or sharing personal information.

Where advertising, sponsorship or affiliate links appear, relevant disclosures should identify the relationship. Such relationships do not turn calculator results into personalised advice or guarantees.

8. Privacy and information you submit

Read our Privacy Policy and Cookie Policy for information about personal information and cookies. These terms do not replace those policies or your rights under applicable privacy law.

Do not assume that every tool handles inputs in the same way. Check the applicable tool notice and Privacy Policy before entering sensitive information.

When contacting us, provide only the information needed to explain your request. Do not send passwords, account credentials, identification documents or unnecessary sensitive information.

9. Feedback and problem reports

You can report errors through our Report a Problem page or suggest new tools through Suggest a Calculator.

You retain any rights you hold in your original feedback. By submitting feedback, you permit us to review and use it as reasonably necessary to investigate issues, respond to you and improve the website. This does not transfer ownership of your material or authorise unrelated publication of your personal information.

Please share only material you are entitled to submit. We cannot guarantee that every suggestion will be implemented or that every report will receive an immediate response.

10. Availability and access

Tools and content may be updated, corrected, replaced or removed. The website may be unavailable during maintenance or because of technical problems. We do not promise uninterrupted access or permanent availability of a particular tool.

We may take proportionate steps to restrict access where reasonably necessary to address misuse, security threats, legal requirements or material breaches of these terms. Where practical and appropriate, we will explain the reason and provide a way to raise concerns through our Contact page.

11. Liability and rights protected by law

Nothing in these terms excludes, restricts or modifies any consumer guarantee, statutory right, remedy or liability that cannot lawfully be excluded, restricted or modified. This includes rights under the Australian Consumer Law where it applies and mandatory protections under other applicable laws.

Subject to those protected rights, we do not provide additional warranties that the free website will be error-free, continuously available or suitable for your particular purpose.

To the extent permitted by applicable law, we are not responsible for loss caused by incorrect inputs, use outside a tool’s stated purpose, or reliance on an unverified estimate where independent verification was reasonably needed. This does not exclude responsibility for our own conduct where the law makes us responsible, or limit any remedy that the law protects.

Your rights and any applicable remedies depend on the circumstances and the law that applies. These terms do not impose a blanket waiver of claims or require you to reimburse us for all losses.

12. Changes to these terms

We may update these terms to reflect changes to the website, its features or applicable requirements. The version date on this page identifies the current published text. Material changes will be highlighted on this page or through another appropriate notice.

Changes apply prospectively from their stated effective date and do not remove rights or claims that have already arisen. Where applicable law requires notice or agreement, those requirements apply. If you do not agree with updated terms, you may stop using the website.

13. Questions, disputes and remaining provisions

If you have a concern about these terms or your use of the website, please contact us and describe the issue. We welcome the opportunity to try to resolve concerns directly.

You do not have to give up access to a regulator, complaints body or court, and these terms do not impose mandatory arbitration or an exclusive court venue. The law applicable to a dispute will be determined under the relevant legal rules.

If a provision is unlawful or unenforceable, it will apply only to the extent lawful and enforceable or, where necessary, be severed. The remaining provisions continue to apply to the extent permitted by law.

14. Contact us

For questions about these Terms and Conditions, use our Contact page and identify your message as a terms-related enquiry.

For a calculator or display issue, our Report a Problem page explains the details that help us investigate.