Terms of Service

Welcome to CalcFlow.io. By accessing or using our website, you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not access the service.

1. Disclaimer of Financial Advice

The content and tools provided on CalcFlow.io are for informational and educational purposes only. We are not financial advisors, accountants, or tax professionals.

While we strive to keep our fee algorithms and tax data up to date, banking fees, exchange rates, and government regulations change frequently. You should not rely upon the material or information on the website as a basis for making any business, legal, or financial decisions. Always verify fees with your specific banking provider.

2. Accuracy of Calculations

CalcFlow.io utilizes estimation algorithms based on publicly available fee structures (e.g., Wise, PayPal, Stripe). However, we cannot guarantee 100% accuracy due to:

• Hidden intermediary bank fees (SWIFT).
• Dynamic currency conversion rates applied by banks.
• Volume-based discounts or individual account tier differences.

We accept no liability for any loss or damage resulting from the use of our calculators.

3. User Generated Content (Invoices)

Our "Quick Invoice Generator" allows you to create PDF previews of invoices. We do not store these invoices. You are solely responsible for the accuracy of the data entered into the invoice generator and for ensuring that your invoices comply with the tax laws of your specific jurisdiction.

4. Intellectual Property

The Service and its original content (excluding user-provided data), features, and functionality are and will remain the exclusive property of CalcFlow.io. The visual design, including the specific "Glassmorphism" UI implementation, is protected by copyright.

5. Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by CalcFlow.io. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party web sites or services.

6. Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

7. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

8. Contact Us

If you have any questions about these Terms, please contact us at saironcreates0@gmail.com.