Terms of Use

Operator and acceptance

Calctiva is operated by the following company. By using the site, you agree to these terms. If you do not agree, please do not use Calctiva.

Calculator outputs

Calctiva calculators provide general informational outputs based on the values and settings you enter. Results are not legal, financial, tax, medical, employment, or other professional advice.

Date rules, holidays, contracts, policies, and official decisions can depend on facts the calculator does not know. Independently verify any result before using it for a deadline, filing, payment, eligibility decision, legal obligation, or other consequential purpose.

We work to make Calctiva accurate and available, but do not guarantee that every result, dataset, explanation, or page will always be complete, current, error-free, or uninterrupted.

Acceptable use

You may use Calctiva for lawful personal and business purposes.

You must not misuse the service, attempt unauthorized access, interfere with its operation, evade technical controls, introduce harmful code, or use automated scraping that creates an unreasonable load or violates applicable law.

Content, intellectual property, and third parties

Calctiva's original interface, text, branding, and software are protected by applicable intellectual property laws. These terms do not transfer ownership or grant rights beyond using the service as described.

You may link to public Calctiva pages in a fair and lawful way that does not imply endorsement or association.

Links or integrations involving third-party services are provided for convenience. Calctiva does not control their content, availability, or privacy practices.

Liability and your rights

To the extent permitted by applicable law, Calctiva and its operator are not liable for indirect or consequential loss arising from use of, or inability to use, the service or reliance on a result.

Nothing in these terms excludes liability that cannot lawfully be excluded or limits your non-waivable consumer rights.

Changes to Calctiva or these terms

We may update the service and these terms as Calctiva develops. Material revisions will be published with a new effective date. Continued use after a revision means the updated terms apply from that date.

Governing law

These terms are governed by the laws of Bosnia and Herzegovina, without overriding mandatory protections that apply to you under the law of your country of residence.