Terms of Service
Effective Date: November 1, 2025
Last Updated: November 23, 2025
PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE.
By accessing or using CalcIt.io (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Site.
1. Acceptance of Terms
These Terms constitute a legally binding agreement between you (“User”, “you”, or “your”) and Sayornis LLC (“we”, “us”, “our”, or “Company”). By accessing, browsing, or using any tool, calculator, converter, analysis feature, or other functionality on CalcIt.io, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
Electronic Acceptance: Your use of the Site constitutes your electronic signature and acceptance of these Terms as if you had physically signed them. You consent to conduct transactions electronically and agree that your electronic acceptance has the same legal effect as a handwritten signature.
2. Description of Service
CalcIt.io is a free website that provides interactive financial calculators, unit converters, analysis tools, and other utilities (collectively, “Tools”) for informational and educational purposes only. All Tools operate entirely within your web browser—we do not collect, store, or transmit the data you enter.
The Site and all Tools are provided free of charge as a public service.
3. CRITICAL DISCLAIMERS AND LIMITATIONS OF LIABILITY
3.1 No Professional Advice
THE TOOLS AND INFORMATION PROVIDED ON CALCIT.IO ARE FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE FINANCIAL, LEGAL, TAX, INVESTMENT, REAL ESTATE, OR PROFESSIONAL ADVICE OF ANY KIND.
- We are not financial advisors, attorneys, accountants, real estate professionals, or licensed professionals in any regulated field.
- The Tools are not a substitute for professional consultation with qualified experts.
- You should consult with appropriate licensed professionals (financial advisors, attorneys, CPAs, etc.) before making any financial, legal, or business decisions.
- We do not have a fiduciary duty to you and are not acting as your advisor or representative.
3.2 “AS IS” and “AS AVAILABLE” Basis
THE SITE AND ALL TOOLS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
- Implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement
- Warranties regarding accuracy, completeness, reliability, or timeliness of any Tools, calculations, results, or information
- Warranties that the Site will be uninterrupted, secure, or error-free
- Warranties that defects will be corrected
3.3 No Guarantee of Accuracy
While we have made reasonable efforts to ensure the accuracy of our Tools by consulting experts, respected publications, and conducting testing, WE DO NOT GUARANTEE OR WARRANT THAT:
- Any calculation, conversion, or analysis result is accurate, complete, current, or appropriate for your specific situation
- The Tools are free from errors, bugs, or inaccuracies
- Any results can be relied upon for any purpose
Calculation results are estimates only and may contain errors. Factors such as rounding, data inputs, assumptions, changing laws and regulations, and computational limitations may affect accuracy.
Examples of factors that may affect accuracy include (but are not limited to):
- Changes in federal, state, or local tax laws, interest rates, or regulations
- Variations in local market conditions and regional differences
- Differences in loan terms, fees, closing costs, or prepayment penalties
- Individual credit profiles, qualifications, and financial circumstances
- Timing of payments, transactions, or market fluctuations
- Differences in calculation methodologies and rounding conventions
- Updates or changes to industry standards and practices
3.4 User Assumes All Risk
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF CALCIT.IO AND ALL TOOLS IS ENTIRELY AT YOUR OWN RISK.
- You are solely responsible for any decisions you make based on information or results obtained from the Site.
- You should independently verify all results before relying on them.
- You acknowledge that financial, legal, and business decisions involve complex considerations beyond what any online tool can address.
ASSUMPTION OF RISK: YOU VOLUNTARILY ASSUME ALL RISKS ASSOCIATED WITH USE OF THE SITE, INCLUDING BUT NOT LIMITED TO RISKS OF FINANCIAL LOSS, INCORRECT CALCULATIONS, ERRONEOUS BUSINESS DECISIONS, TAX LIABILITIES, INVESTMENT LOSSES, AND ANY OTHER HARM THAT MAY RESULT FROM YOUR RELIANCE ON THE SITE OR TOOLS. YOU ACKNOWLEDGE THAT NO ONLINE CALCULATOR OR TOOL CAN ACCOUNT FOR ALL VARIABLES RELEVANT TO YOUR SPECIFIC SITUATION.
3.5 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SAYORNIS LLC, ITS MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO:
- Direct, indirect, incidental, special, consequential, or punitive damages
- Loss of profits, revenue, data, goodwill, or business opportunities
- Financial losses or damages arising from business decisions
- Damages arising from errors in calculations, Tools, or information
- Damages resulting from reliance on any Tool, result, or information provided
- Damages arising from inability to use the Site or interruptions in service
- Damages arising from unauthorized access, data breaches, or security incidents
THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IF YOU ARE DISSATISFIED WITH THE SITE OR ANY CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.
3.6 Damages Cap
TO THE EXTENT ANY JURISDICTION DOES NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED FIFTY DOLLARS ($50.00 USD).
3.7 California Law - Exclusions from Limitations
Nothing in these Terms shall exclude or limit our liability for:
- Death or personal injury caused by our gross negligence or willful misconduct
- Fraud or fraudulent misrepresentation
- Any liability that cannot be excluded or limited under applicable law
4. User Conduct and Prohibited Uses
4.1 Acceptable Use
You agree to use the Site and Tools:
- Only for lawful purposes and in accordance with these Terms
- In a manner that does not violate any applicable federal, state, or local laws or regulations
- For personal, business, or commercial purposes as intended
4.2 Prohibited Conduct
You agree NOT to:
- Use the Site to make decisions without consulting qualified professionals
- Rely solely on Tool results for financial, legal, investment, or business decisions
- Create a substantially identical competing product that copies or clones our Tools (see Section 5 for intellectual property details)
- Attempt to reverse engineer, decompile, or extract source code from the Site (except as permitted under the BSD 3-Clause License for our open-source code repository)
- Use automated systems to access the Site in a manner that sends more requests than a human could reasonably produce (though web crawlers, search engine bots, and reasonable scraping are permitted)
- Introduce viruses, malware, or other malicious code
- Attempt to gain unauthorized access to any portion of the Site or related systems
- Interfere with or disrupt the Site or servers or networks connected to the Site
4.3 Monitoring and Enforcement
We reserve the right (but have no obligation) to:
- Monitor use of the Site for compliance with these Terms
- Investigate any suspected violation of these Terms
- Take appropriate legal action against anyone who violates these Terms, including without limitation, reporting such User to law enforcement authorities
- Terminate or suspend your access to the Site for any reason or no reason, with or without notice
- Remove or refuse to post any content or information that violates these Terms
5. Intellectual Property Rights
5.1 Ownership
The Site and all content, features, functionality, design elements, text, graphics, logos, and Tools (excluding open-source code) are owned by Sayornis LLC and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
5.2 Open Source Code
Certain code for CalcIt.io is made available on GitHub under the BSD 3-Clause License. Your use of that open-source code is governed by the terms of that license. However, the BSD 3-Clause License does NOT grant you rights to:
- Use our trademarks, trade names, service marks, or branding without permission
- Create a competing product that is substantially identical to CalcIt.io
- Claim endorsement or association with Sayornis LLC
5.3 Limited License to Use
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and Tools for personal, commercial, or business purposes.
You may:
- Use the Tools as intended for your own purposes
- Print or screenshot results for your records
- Share general information about the Site
You may NOT:
- Reproduce or redistribute substantial portions of the Site content
- Create derivative works that compete with CalcIt.io
- Remove copyright or proprietary notices
5.4 Feedback
If you provide feedback, suggestions, or ideas about the Site or Tools (“Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback without any obligation to you. We may use your Feedback to improve the Site and Tools.
We will not use your testimonials or feedback for promotional purposes without your express written permission.
6. Third-Party Services
The Site may contain links to third-party websites, services, or resources. We do not endorse, control, or assume responsibility for any third-party content, services, or websites. Your use of third-party services (such as payment processors) is governed by their respective terms of service and privacy policies.
YOU ACKNOWLEDGE AND AGREE THAT WE SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY CONTENT, PRODUCTS, OR SERVICES OFFERED BY THIRD PARTIES.
7. Contributions and Payments
If you make a voluntary contribution or payment through the Site, you agree to provide accurate payment information and authorize the third-party payment processor (such as Stripe) to process your payment. All contributions are final and non-refundable except as required by law.
8. Modifications to the Site and Terms
8.1 Changes to Site and Tools
We reserve the right to:
- Modify, suspend, discontinue, or remove any Tool or feature at any time without notice
- Change the functionality, design, or content of the Site
- Implement usage limits or restrictions
WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY MODIFICATION, SUSPENSION, OR DISCONTINUANCE OF THE SITE OR ANY TOOL.
8.2 Changes to Terms of Service
We may update these Terms from time to time. When we make material changes, we will:
- Post the updated Terms on this page with a new “Last Updated” date
- Provide notice on the Site or via email (if we have your contact information) at least thirty (30) days before the changes take effect
Notice Effectiveness: All notices to you will be effective when:
- Posted on the Site with a new “Last Updated” date, OR
- Sent to the email address you provided (if applicable)
Notice is deemed received immediately upon posting or twenty-four (24) hours after email transmission, whichever occurs first.
Your continued use of the Site after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Site immediately.
9. Indemnification
YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS SAYORNIS LLC, ITS MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, AND LICENSORS FROM AND AGAINST ANY AND ALL CLAIMS, DAMAGES, OBLIGATIONS, LOSSES, LIABILITIES, COSTS, DEBTS, AND EXPENSES (INCLUDING ATTORNEY’S FEES) ARISING FROM:
- Your use or misuse of the Site or Tools
- Your reliance on any Tool result or information provided by the Site
- Your violation of these Terms
- Your violation of any third-party rights, including intellectual property rights or privacy rights
- Any financial, legal, or business decision you make based on information from the Site
This indemnification obligation survives termination of these Terms and your use of the Site.
10. Dispute Resolution and Arbitration
10.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods shall not apply.
10.2 Binding Arbitration
ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE (COLLECTIVELY, “DISPUTES”) SHALL BE RESOLVED BY BINDING ARBITRATION, EXCEPT AS PROVIDED BELOW.
- Arbitration shall be conducted by a single arbitrator through the Judicial Arbitration and Mediation Services (JAMS) in accordance with its Streamlined Arbitration Rules and Procedures, or by another arbitration service mutually agreed upon by the parties.
- The arbitration shall take place in San Diego County, California.
- The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction.
- Each party shall bear its own costs and expenses, including attorney’s fees, unless the arbitrator awards costs and fees to the prevailing party as permitted by law.
10.3 Exceptions to Arbitration
Notwithstanding the above, the following Disputes are NOT subject to arbitration:
- Claims that may be brought in small claims court (if they qualify under applicable small claims court rules)
- Claims seeking injunctive or equitable relief for intellectual property infringement or misappropriation
10.4 Class Action Waiver
YOU AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration.
10.5 Venue for Non-Arbitrable Claims
For any Disputes not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in San Diego County, California, and waive any objection to venue in such courts.
10.6 Time Limitation on Claims
YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR THESE TERMS MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE, OR BE FOREVER BARRED, REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY. Within this period, any failure by us to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.
11. Miscellaneous Provisions
11.1 Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Sayornis LLC regarding the use of the Site and supersede all prior agreements and understandings, whether written or oral, relating to the subject matter hereof.
11.2 Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, severed from these Terms.
11.3 Waiver
No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by us in writing.
11.4 Assignment
You may not assign or transfer these Terms or any rights granted hereunder, by operation of law or otherwise, without our prior written consent. Any attempted assignment in violation of this provision shall be void. We may freely assign these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.
11.5 No Third-Party Beneficiaries
These Terms do not create any third-party beneficiary rights. Nothing in these Terms shall be deemed to confer any right or benefit on any person that is not a party to these Terms.
11.6 Force Majeure
We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, epidemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.
11.7 Survival
The following provisions shall survive any termination or expiration of these Terms: Sections 3 (Disclaimers and Limitations of Liability), 5.1 and 5.4 (Intellectual Property Ownership and Feedback), 9 (Indemnification), 10 (Dispute Resolution and Arbitration), 11.2 through 11.7 (Severability, Waiver, Assignment, No Third-Party Beneficiaries, Force Majeure, and Survival), and any other provision that by its nature should survive termination.
11.8 Headings
The section headings in these Terms are for convenience only and have no legal or contractual effect.
12. Age Restriction
You must be at least eighteen (18) years old to use this Site. By using the Site, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. We do not knowingly collect information from or provide services to individuals under 18. If we learn that we have collected information from a minor, we will take steps to delete such information promptly.
13. Contact Information
If you have questions about these Terms, please contact us:
Sayornis LLC
28046 Del Rio Road, STE C
Temecula, CA 92028
Email: [email protected]
14. Acknowledgment
BY USING CALCIT.IO, YOU ACKNOWLEDGE THAT:
- You have read and understood these Terms in their entirety
- You agree to be bound by these Terms and our Privacy Policy
- You understand that the Tools are for informational and educational purposes only
- You will not rely solely on Tool results for important financial, legal, or business decisions
- You will consult qualified professionals before making decisions
- You use the Site entirely at your own risk
- We have made reasonable efforts to provide accurate Tools but cannot guarantee accuracy
- You have no claim against Sayornis LLC for damages arising from your use of the Site
- You are at least 18 years old and have the legal capacity to agree to these Terms
- You voluntarily assume all risks associated with using the Site
IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE CALCIT.IO.
Last Updated: November 23, 2025
Effective Date: November 1, 2025
Document Version: 1.1
Revision History: Initial version (1.0) effective November 1, 2025; Updated version (1.1) November 23, 2025