Disclaimer

General Disclaimer

The information, calculators, and tools provided on Multicalc are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind. We make no representation or warranty regarding:

• The accuracy, completeness, or reliability of any calculations
• The fitness of the Service for any particular purpose
• The non-infringement of third-party rights
• Uninterrupted or error-free operation

You use this Service entirely at your own risk and discretion.

Financial Disclaimer

IMPORTANT: The following applies to all financial calculators including EMI, loans, investments, taxes, and insurance.

Results provided by our calculators:

• Are approximations based on formulas and assumptions
• May not reflect actual outcomes due to changing market conditions
• Do not account for individual circumstances, risks, or variations
• May be affected by additional fees, charges, penalties, or taxes not considered by the calculator
• Are subject to change based on interest rate fluctuations and policy changes

Before making any financial decisions, including:

• Taking out loans or mortgages
• Making investments
• Planning retirement
• Tax planning or filing
• Purchasing insurance

You should consult with a qualified financial advisor, investment professional, accountant, or tax professional who understands your specific circumstances.

Medical & Health Disclaimer

IMPORTANT: The following applies to all health calculators including BMI, body fat, calorie burn, pregnancy, and fitness calculators.

The calculators:

• Are based on general population averages and standard formulas
• May not be accurate for all individuals or medical conditions
• Do not account for individual health conditions, medications, allergies, or medical history
• Are NOT suitable for diagnosing, treating, or managing medical conditions
• Do not replace professional medical examination or advice
• Are NOT intended for use by healthcare professionals in medical decision-making

If you have any health concerns, questions about your health, or are experiencing symptoms, you should:

• Consult with a qualified healthcare provider, physician, or medical professional
• Seek immediate medical attention for emergency situations
• Consult with a registered dietitian for nutrition advice
• Consult with a fitness professional before starting new exercise programs

Pregnant women should consult with their healthcare provider or obstetrician regarding pregnancy due dates and health matters.

No Professional Relationship

Using Multicalc does not create any professional relationship between you and Multicalc, including:

• Financial advisor-client relationship
• Doctor-patient relationship
• Attorney-client relationship
• Any other fiduciary or professional relationship

Limitation of Liability

To the fullest extent permitted by law, Multicalc shall not be liable for:

• Any damages (direct, indirect, incidental, special, or consequential) arising from your use of the Service
• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption or financial losses
• Reliance on calculations or information provided
• Actions taken based on calculator results
• Inaccurate, incomplete, or delayed results

This limitation applies even if Multicalc has been advised of the possibility of such damages.

Your Responsibility

By using Multicalc, you acknowledge and agree that:

• You are solely responsible for your decisions based on calculator results
• You understand the limitations and potential inaccuracies
• You will seek professional advice before making important decisions
• You assume all risks associated with your use of the Service

Third-Party Content

Multicalc may contain links to external websites or third-party content. We are not responsible for:

• The accuracy or reliability of external websites
• The privacy practices of third parties
• Content, products, or services provided by third parties

Please review the disclaimer and privacy policies of external websites before using their services.

Changes to This Disclaimer

We may update this disclaimer at any time. Continued use of Multicalc following any updates constitutes your acceptance of the updated disclaimer.

Contact Us

If you have questions about this disclaimer, contact: