Terms of Service - Versus Calculator

Last updated: October 7, 2026

1. Acceptance of Terms

By accessing or using Versus Calculator ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Service

Versus Calculator provides free financial calculators and tools designed to help users make informed financial decisions. Our calculators include rent vs. buy analysis, mortgage affordability, mortgage payoff calculations, and other financial planning tools.

3. Use of Service

You may use our service for lawful purposes only. You agree not to:

Use the service in any way that violates applicable laws or regulations
Transmit malicious code or attempt to gain unauthorized access
Use automated systems to access the service without permission
Interfere with or disrupt the service or servers

4. Disclaimer of Financial Advice

Important: The calculators and tools provided are for informational and educational purposes only. They do not constitute financial, investment, or legal advice. Results are estimates based on the information you provide and should not be relied upon as the sole basis for financial decisions.

We strongly recommend consulting with qualified financial advisors, accountants, or other professionals before making significant financial decisions.

5. Accuracy of Information

While we strive to provide accurate calculations, we do not guarantee the accuracy, completeness, or reliability of any information or results. You are responsible for verifying all information and calculations independently.

6. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information when you use our service.

7. Limitation of Liability

To the fullest extent permitted by law, Versus Calculator and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the service.

8. Intellectual Property

The service and its original content, features, and functionality are and will remain the exclusive property of Versus Calculator and its licensors. The service is protected by copyright, trademark, and other laws.

9. Modifications to Terms

We reserve the right to modify or replace these terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

10. Termination

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

11. Governing Law

These Terms shall be interpreted and governed by the laws of the United States, without regard to its conflict of law provisions.

12. Prohibited Uses

You may not use our service:

For any unlawful purpose or to solicit others to perform unlawful acts
To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
To infringe upon or violate our intellectual property rights or the intellectual property rights of others
To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
To submit false or misleading information
To upload or transmit viruses or any other type of malicious code
To spam, phish, pharm, pretext, spider, crawl, or scrape
For any obscene or immoral purpose
To interfere with or circumvent the security features of the service

13. Indemnification

You agree to defend, indemnify, and hold harmless Versus Calculator and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of your use and access of the service, or a breach of these Terms.

14. Dispute Resolution

Any disputes arising out of or relating to these Terms or the service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in English and the seat of arbitration shall be in the United States.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our service, and supersede and replace any prior agreements we might have between us regarding the service.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the sole and entire agreement between you and Versus Calculator with respect to the service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the service.

17. Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: vscalculator@gmail.com
Website: https://vscalculator.com/contact

We will respond to your inquiry within 5 business days.