Terms & Conditions

1.Acceptance of Terms

By accessing or using smcalc.com (the "Site") and any tools, features or content available on it (collectively, the "Service"), you agree to be bound by these Terms & Conditions ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legally binding agreement between you and SM Calculators Ltd ("SM Calculators," "we," "us," or "our"). We may update these Terms from time to time. Your continued use of the Service after any changes constitutes acceptance of the revised Terms.

2.Eligibility

The Service is available to users who are at least 13 years of age (or 16 in the EEA). By using the Service, you represent that you meet this age requirement. If you are using the Service on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

3.Use of Our Tools

3.1 Permitted Use

You may use SM Calculators tools for any lawful personal or commercial purpose, subject to these Terms. All outputs generated by our tools (processed files, calculations, AI-generated text) may be used freely without attribution.

3.2 Prohibited Use

You must not:

• Use the Service in any way that violates applicable local, national or international law or regulation.
• Upload or process files containing malware, viruses, ransomware or other harmful code.
• Use our tools to process or distribute illegal, defamatory, obscene, harassing, threatening or infringing content.
• Attempt to reverse-engineer, scrape, crawl or extract data from the Service in an automated manner without our express written permission.
• Use the Service to generate spam, phishing content, disinformation or fraudulent materials.
• Attempt to gain unauthorised access to any part of the Service, its servers or any associated databases.
• Use the Service in a way that disrupts or places an unreasonable burden on our infrastructure.
• Impersonate SM Calculators or any employee, partner or other user.

We reserve the right to suspend or terminate access to any user who violates these provisions.

4.Intellectual Property

4.1 SM Calculators IP

All content on the Site - including but not limited to text, graphics, tool interfaces, logos, design, code and compilations - is owned by or licensed to SM Calculators and protected by applicable copyright, trademark and other intellectual property laws. You may not reproduce, distribute, modify or create derivative works without our prior written consent.

4.2 Your IP

Files you upload to our tools remain your property. We do not claim any ownership rights over your uploaded content. By uploading files, you grant us a limited, temporary, non-exclusive licence to process your files solely for the purpose of providing the requested tool function.

4.3 Tool Outputs

Outputs generated by our tools (converted files, calculated results, AI-generated text) are provided for your use. We do not assert copyright over outputs. AI-generated outputs may not be protectable by copyright under applicable law - please consult legal advice for commercial applications.

5.User-Generated Content

If you submit content to SM Calculators (e.g. tool submission descriptions, blog comments, guest articles), you grant SM Calculators a perpetual, worldwide, royalty-free licence to use, display, reproduce and distribute that content in connection with our Service. You represent that you own or have the rights to submit such content and that it does not infringe third-party rights.

6.Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OR NON-INFRINGEMENT.

• Financial tools: Our calculators (EMI, tax, investment, etc.) are for informational purposes only. They are not financial advice. Always consult a qualified financial adviser before making financial decisions.
• Health tools: Our health calculators and screening tools are for general informational purposes only. They are not a substitute for professional medical advice, diagnosis or treatment.
• Legal tools: Template generators and legal content on SM Calculators are for general guidance only and do not constitute legal advice. Consult a qualified solicitor for specific legal matters.
• AI-generated content: AI Writing tools produce content that may contain errors, inaccuracies or omissions. Always review and verify AI outputs before use.

7.Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SM CALCULATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED £100 (ONE HUNDRED POUNDS STERLING) OR THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM (WHICHEVER IS GREATER). SINCE THE SERVICE IS FREE, THIS AMOUNT WILL GENERALLY BE £0.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

8.Indemnification

You agree to indemnify, defend and hold harmless SM Calculators, its officers, directors, employees and agents from and against any claims, liabilities, damages, losses and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights, including intellectual property rights; or (d) any content you submit to the Service.

9.Third-Party Links & Services

The Service may contain links to third-party websites or services. These are provided for convenience only. SM Calculators does not endorse, control or assume responsibility for any third-party content, privacy practices or availability. We encourage you to review the terms and privacy policies of any third-party sites you visit.

10.Advertising

SM Calculators is funded by advertising revenue. We display advertisements through Google AdSense and, in some cases, direct advertising partnerships. Advertisements are clearly labelled. We do not allow advertisers to direct or influence our editorial content. Sponsored content, where it exists, is always labelled as "Sponsored."

11.Accounts

Account registration is optional. If you create an account, you are responsible for maintaining the security of your credentials and for all activity under your account. You must notify us immediately at smcalculators@gmail.com if you suspect unauthorised access. SM Calculators is not liable for any loss resulting from unauthorised use of your account.

12.Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any violation of these Terms or for any other reason at our sole discretion. You may close your account at any time via Account Settings. Termination does not affect any rights or obligations accrued prior to termination.

13.Governing Law & Disputes

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless applicable consumer protection laws in your jurisdiction grant you the right to bring proceedings in your local courts.

Before initiating formal legal proceedings, we encourage you to contact us at smcalculators@gmail.com to attempt to resolve the dispute informally.

14.Changes to These Terms

We may revise these Terms at any time by posting the updated version on this page. Material changes will be notified to registered users via email at least 14 days before they take effect. The "Last Updated" date at the top reflects the most recent revision. Your continued use after the effective date constitutes acceptance.

15.Contact Us