Terms of Service

Last updated: March 2026

1. Acceptance of Terms

By accessing and using Calculate.ph ("the Website"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by these terms, please do not use this Website.

2. Description of Service

Calculate.ph provides free online financial calculators for Philippine-based financial planning, including but not limited to:

  • MP2 Savings Calculator
  • SSS Pension Estimator
  • Income Tax Calculator
  • Loan and Mortgage Calculators
  • Investment Growth Simulators
  • Bank Interest Rate Comparisons

3. No Financial Advice

The calculators and content provided on this Website are for informational and educational purposes only. They do not constitute professional financial, investment, legal, or tax advice. Always consult with qualified professionals before making financial decisions.

4. Accuracy of Information

While we strive to provide accurate calculations using official formulas and current rates, we make no warranties or representations about the accuracy, reliability, completeness, or timeliness of the information provided. Results may vary based on individual circumstances and changes in government policies.

5. User Conduct

When using this Website, you agree not to:

  • Use the service for any unlawful purpose
  • Attempt to gain unauthorized access to any portion of the Website
  • Interfere with or disrupt the operation of the Website
  • Use any automated means to access the Website without permission

6. Intellectual Property

All content on this Website, including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Calculate.ph or its content suppliers and is protected by Philippine and international copyright laws.

7. Privacy

Your use of the Website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding your personal information.

8. Limitation of Liability

Calculate.ph and its owners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of, or inability to use, the Website or the information contained therein.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any changes indicates your acceptance of the modified terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

11. Contact Information

If you have any questions about these Terms of Service, please contact us at hello@calculate.ph .