Terms of Use

Last Updated: February 2026

Please read these Terms of Use ("Terms") carefully before using ConstructCalculators (constructcalculators.com) operated by ConstructCalculators ("we," "our," or "us").

These Terms are intended to define the scope of our service and limit liability to the fullest extent permitted by applicable law.

Acceptance of Terms

By accessing and using ConstructCalculators, you accept and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our service.

If you use the service, you acknowledge that calculator outputs are estimates only, not advice, and are used at your own risk.

Use of Calculators

ConstructCalculators provides free online calculators. You acknowledge and agree that:

• The calculators are intended for general informational purposes only and are not tailored to any specific individual, insurer, or jurisdiction.
• Estimates Only: All calculator results are estimates based on the inputs you provide and standard formulas. They are not guarantees of actual results.
• Professional Verification Required: You should verify all calculations with qualified professionals before making any important decisions.
• No Quote or Offer: Calculator outputs are not insurance quotes, binders, guarantees of coverage, or offers to sell insurance.
• Individual Circumstances: Actual results may vary based on individual circumstances, conditions, and other factors not accounted for in our calculators.
• No Liability for Errors: We are not responsible for any errors, inaccuracies, or omissions in the calculators or for any actions taken based on their results.
• User Assumption of Risk: You assume full responsibility for decisions, actions, and outcomes based on calculator inputs or outputs.

No Professional Advice or Insurance Relationship

Content on ConstructCalculators is general educational information only. It is not legal, tax, financial, or insurance advice, and does not create a broker-client, producer-client, or fiduciary relationship.

Unless explicitly stated otherwise in writing, we are not acting as your insurance producer, broker, or carrier through this website.

The service is not an insurance company, insurance broker, or insurance agent, and does not sell, underwrite, or arrange insurance policies in any jurisdiction.

Any reliance on content or calculator results is solely at your own risk and discretion.

Jurisdictional Availability

The availability, accuracy, and applicability of calculator results may vary by jurisdiction. Insurance regulations differ by state and country, and calculator results may not reflect local legal or regulatory requirements.

Disclaimer of Warranties

ConstructCalculators is provided "AS IS" and "AS AVAILABLE" without any warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the service will be uninterrupted, timely, or error-free
• Warranties regarding the accuracy, reliability, or completeness of calculations
• Warranties that defects will be corrected

Limitation of Liability

To the fullest extent permitted by law, ConstructCalculators and its operators shall not be liable for any:

• Direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the calculators
• Any losses or damages resulting from reliance on calculator estimates
• Financial loss of any kind
• Errors or inaccuracies in calculator formulas or results
• Business interruption, lost profits, lost revenue, or lost opportunity
• Third-party claims, penalties, fines, compliance failures, or regulatory outcomes

Your use of ConstructCalculators is entirely at your own risk.

The service is operated from Spain and provided on an "as-is" basis to users worldwide.

To the fullest extent permitted by law, these limitations apply even if a remedy fails of its essential purpose and regardless of the legal theory of liability.

Compliance with Local Laws

Insurance laws and regulations vary by jurisdiction. You are responsible for ensuring your use of this website and any decisions based on its content comply with laws applicable to your location.

Intellectual Property

All content on ConstructCalculators, including but not limited to text, graphics, logos, calculator code, and formulas, is the property of ConstructCalculators and is protected by copyright and other intellectual property laws. You may not:

• Reproduce, modify, or distribute our content without permission
• Reverse engineer or copy our calculator implementations
• Use our content for commercial purposes without authorization

User Responsibilities

You agree to:

• Use the calculators for lawful purposes only
• Provide accurate inputs to the best of your knowledge
• Not attempt to disrupt or harm the service
• Consult with professionals before making important decisions

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of ConstructCalculators after changes are posted constitutes acceptance of the modified Terms.

Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of ConstructCalculators at any time without notice or liability.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Spain and the European Union, without regard to conflict of law principles.

Nothing in these Terms limits any consumer protection rights that may apply under mandatory local law.

Dispute Resolution and Venue

Before filing a formal legal claim, you agree to contact us at support@constructcalculators.com and attempt to resolve the dispute informally. If a dispute is not resolved, any legal action must be brought exclusively in the courts of Spain, unless otherwise required by mandatory law. To the fullest extent permitted by law, disputes must be brought on an individual basis and not as part of a class or representative action, where permitted by law.

Time Limit to Bring Claims

To the maximum extent permitted by law, any claim related to these Terms or your use of the service must be brought within one (1) year after the claim arises, or it is permanently barred.

Indemnification

You agree to defend, indemnify, and hold harmless ConstructCalculators and its operators from claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising out of your misuse of the service, violation of these Terms, or violation of applicable law.

This includes claims brought by third parties that arise from your use of the service, your data inputs, or your downstream use of calculator outputs.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Contact Us

If you have questions about these Terms of Use, contact us at support@constructcalculators.com.