Terms of Use

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and KDVR Garms SRL, a company registered under the laws of Romania, operating under the commercial brand "CalcuZone EU" ("Company," "we," "us," or "our"). These Terms govern your access to and use of the website located at https://calcuzone.eu (the "Website" or "Platform"), including all content, features, tools, calculators, widgets, and services offered on or through the Website (collectively, the "Services").

1. Agreement to Terms

By accessing, browsing, or otherwise using the Website or any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree with any provision of these Terms, you must immediately discontinue your use of the Website and Services.

These Terms apply to all visitors, users, and any other persons who access or use the Website. You represent and warrant that you are at least 16 years of age and possess the legal authority to enter into these Terms. If you are accessing the Website on behalf of a business entity or organisation, you represent and warrant that you have the authority to bind that entity to these Terms, and references to "you" shall include both you individually and such entity.

Your continued use of the Website following the posting of any changes to these Terms constitutes your acceptance of those changes. We encourage you to review these Terms periodically to stay informed of any updates.

2. Description of Service

CalcuZone EU operates a free, publicly accessible online calculator platform designed to assist users with a wide range of financial, tax, salary, and utility calculations relevant to countries within the European Union and the European Economic Area. Our Services include, but are not limited to:

• Tax calculators — income tax, value-added tax (VAT), capital gains tax, and other tax-related computations for various EU member states.
• Salary calculators — gross-to-net salary conversions, employer cost breakdowns, and social contribution estimates.
• Financial calculators — loan amortisation, mortgage payments, interest calculations, and investment projections.
• Utility calculators — unit converters, date calculators, percentage tools, and other general-purpose computational utilities.
• Embeddable widgets — calculator widgets that may be embedded on third-party websites in accordance with Section 7 of these Terms.

Our calculators utilise data sourced from official government publications, national tax authorities, Eurostat, and other authoritative institutional sources across EU member states. We strive to maintain accurate and up-to-date information; however, the availability and scope of our Services may vary by country and are subject to change without prior notice.

All Services are provided free of charge. We reserve the right to introduce premium features, modify existing features, or discontinue any portion of the Services at our sole discretion and without obligation to provide advance notice.

3. No Professional Advice Disclaimer

The information and results provided by CalcuZone EU are for general informational and educational purposes only. Nothing on this Website constitutes, nor is it intended to constitute, professional tax advice, legal advice, financial advice, accounting advice, medical advice, or any other form of professional consultation.

The calculator results, estimates, projections, and any accompanying explanatory content are provided on an "as is" basis and should not be relied upon as a substitute for consultation with qualified professionals. Tax laws, regulations, and rates vary significantly across jurisdictions and are subject to frequent change. Your individual circumstances — including but not limited to your residency status, employment arrangement, applicable deductions, exemptions, and personal financial situation — may materially affect the accuracy of any calculation.

You expressly acknowledge and agree that:

• Calculator results are approximate estimates and may not reflect your actual tax liability, net salary, loan obligations, or other financial figures.
• You should always consult a qualified tax advisor, accountant, financial planner, attorney, or other appropriate professional before making any financial, legal, or tax-related decisions.
• CalcuZone EU does not establish a client-professional relationship with any user of the Website.
• We do not provide personalised advice, and our calculators do not account for every possible variable that may affect your situation.
• Any actions you take based on the information provided on this Website are taken entirely at your own risk and responsibility.

4. Accuracy and Data Disclaimer

CalcuZone EU endeavours to provide accurate, reliable, and current information by sourcing data from official government publications, legislative texts, national tax authority guidelines, and other authoritative institutional sources. Our data undergoes a verification process that includes AI-assisted cross-referencing and manual review to ensure quality and consistency.

Notwithstanding these efforts, we do not warrant, represent, or guarantee that the information, data, calculator results, or any other content on the Website is accurate, complete, current, or free from errors. Specifically:

• Legislative changes, regulatory updates, or corrections by governmental authorities may not be immediately reflected in our calculators.
• Rounding methodologies, calculation algorithms, and simplifying assumptions may produce results that differ from official computations.
• AI-assisted verification, while thorough, is not infallible and may not capture every nuance of complex tax codes or regulatory frameworks.
• Country-specific rules, exceptions, transitional provisions, and local variations may not be fully incorporated into every calculator.

We disclaim all liability arising from any reliance placed on the information provided through the Website. Users are solely responsible for independently verifying any information before acting upon it.

5. Intellectual Property

All content, materials, and elements available on the Website — including but not limited to text, articles, explanatory content, calculator logic and algorithms, software code, user interface design, visual design elements, graphics, icons, logos, trademarks, trade names, domain names, the "CalcuZone" brand identity, data compilations, and the overall look and feel of the Website — are the exclusive property of KDVR Garms SRL or its licensors and are protected by applicable intellectual property laws, including Romanian copyright law, European Union directives, and international treaties.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website for its intended purpose — namely, performing personal, non-commercial calculations. This licence does not extend to any commercial use, reproduction, distribution, modification, or creation of derivative works based on any part of the Website or its content, unless expressly authorised in writing by KDVR Garms SRL or as specifically permitted under Section 7 (Embedding & Widget Usage).

All rights not expressly granted herein are reserved by KDVR Garms SRL.

6. User Conduct

By using the Website, you agree to use the Services only for lawful purposes and in a manner consistent with these Terms and all applicable local, national, and international laws and regulations. You agree not to:

• Use automated tools, bots, scrapers, crawlers, or any other automated means to access, scrape, harvest, collect, or extract data or content from the Website without our prior written consent.
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or underlying structure of any software, calculators, or tools provided through the Website.
• Copy, reproduce, redistribute, republish, or repackage any content from the Website except as expressly permitted under Section 7.
• Interfere with, disrupt, or impose an unreasonable or disproportionate load on the Website's infrastructure, servers, or networks.
• Attempt to gain unauthorised access to any part of the Website, other users' data, or any systems or networks connected to the Website.
• Use the Website or its content to develop a competing product or service, or to assist a third party in doing so.
• Transmit any viruses, malware, worms, or other malicious code through or to the Website.
• Remove, obscure, or alter any copyright notices, trademarks, or other proprietary rights notices affixed to or contained within the Website.
• Use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party's use of the Website.

We reserve the right to investigate and take appropriate action against any user who violates these provisions, including terminating access, reporting to law enforcement authorities, and pursuing civil remedies.

7. Embedding and Widget Usage

CalcuZone EU may offer embeddable calculator widgets that third-party website operators may integrate into their own websites. By using our embeddable widgets, you agree to the following conditions:

• Attribution required:All embedded widgets must retain visible attribution to CalcuZone EU, including the "Powered by CalcuZone" branding and a functional hyperlink to https://calcuzone.eu. You may not remove, obscure, or modify this attribution in any way.
• No modification:Widgets must be embedded in their original, unmodified form. You may not alter the widget's code, functionality, appearance, or output, nor inject additional code, styles, or scripts that modify the widget's behaviour.
• No framing or misrepresentation: Widgets must not be presented in a manner that suggests endorsement by, affiliation with, or sponsorship by CalcuZone EU unless a formal partnership has been established.
• Compliance: You are responsible for ensuring that your use of the embedded widget complies with all applicable laws, including data protection regulations such as the General Data Protection Regulation (GDPR).
• Revocation: We reserve the right to revoke embedding permissions at any time and for any reason, including but not limited to misuse, misattribution, or association with content that is unlawful, harmful, or otherwise objectionable.

8. Third-Party Content and Advertisements

The Website may display advertisements provided by third-party advertising networks, including but not limited to Google AdSense. These advertisements are served by third-party ad servers and are not under the direct control of CalcuZone EU.

We do not endorse, warrant, or assume responsibility for:

• The content, accuracy, or reliability of any third-party advertisements displayed on the Website.
• The products, services, or offers promoted through such advertisements.
• The privacy practices or terms of service of any third-party advertisers.

Your interactions with third-party advertisers, including any purchases, transactions, or data sharing, are solely between you and the respective advertiser. CalcuZone EU shall not be liable for any loss, damage, or claim arising from or related to your interactions with third-party advertisements or advertisers.

Third-party advertising networks may use cookies, web beacons, and similar technologies to serve ads based on your browsing activity. For more information on how these technologies are used and how to manage your preferences, please refer to our Privacy Policy and the respective privacy policies of the advertising networks.

9. Limitation of Liability

To the maximum extent permitted by applicable law, including Romanian law and applicable European Union consumer protection directives:

KDVR Garms SRL, its officers, directors, employees, agents, affiliates, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for loss of profits, revenue, data, goodwill, business opportunities, or other intangible losses, arising out of or in connection with:

• Your access to or use of, or inability to access or use, the Website or Services.
• Any errors, inaccuracies, or omissions in calculator results, data, or content provided through the Website.
• Any decisions made or actions taken by you in reliance on information obtained from the Website.
• Any unauthorised access to or alteration of your transmissions or data.
• Any third-party content, advertisements, products, or services accessed through the Website.
• Any interruption, suspension, or discontinuation of the Website or Services.

This limitation of liability applies regardless of the legal theory upon which the claim is based, whether in contract, tort (including negligence), strict liability, or otherwise, even if CalcuZone EU has been advised of the possibility of such damages.

Nothing in these Terms shall exclude or limit liability that cannot be excluded or limited under applicable law, including liability for fraud, gross negligence, wilful misconduct, or death or personal injury caused by negligence, or any mandatory consumer protection rights under EU law.

10. Indemnification

You agree to defend, indemnify, and hold harmless KDVR Garms SRL, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and legal costs) arising out of or relating to:

• Your use of or access to the Website or Services.
• Your violation of any provision of these Terms.
• Your violation of any applicable law, regulation, or third-party right.
• Any content or data you submit, transmit, or make available through the Website.
• Your use of calculator results for any purpose, including but not limited to tax filings, financial decisions, or legal matters.

This indemnification obligation shall survive the termination of these Terms and your use of the Website.

11. Termination

We reserve the right, at our sole discretion, to restrict, suspend, or terminate your access to the Website and Services, in whole or in part, at any time and for any reason, with or without prior notice, including but not limited to:

• Violation of these Terms or any applicable law or regulation.
• Conduct that we reasonably believe is harmful to other users, third parties, or our business interests.
• Suspected fraudulent, abusive, or illegal activity.
• Requests by law enforcement or other governmental authorities.
• Technical or security concerns.

Upon termination, all rights and licences granted to you under these Terms shall immediately cease. The provisions of these Terms that by their nature should survive termination — including but not limited to Sections 3, 4, 5, 9, 10, 13, and 14 — shall continue in full force and effect.

12. Third-Party Links

The Website may contain hyperlinks to third-party websites, resources, or services that are not owned or controlled by CalcuZone EU. These links are provided solely for your convenience and informational purposes.

We have no control over, and assume no responsibility for, the content, privacy policies, practices, availability, or accuracy of any third-party websites or resources. The inclusion of any link does not imply endorsement, sponsorship, or affiliation by CalcuZone EU.

You acknowledge and agree that CalcuZone EU shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods, or services available on or through any third-party websites or resources. We strongly recommend reviewing the terms of use and privacy policies of any third-party websites you visit.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Romania, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the competent courts of Romania.

Notwithstanding the foregoing, if you are a consumer residing in the European Union, you shall benefit from any mandatory provisions of the law of your country of residence that cannot be derogated from by agreement. Nothing in these Terms affects your rights as a consumer under applicable EU consumer protection legislation, including but not limited to Directive 2011/83/EU on consumer rights and the Unfair Contract Terms Directive 93/13/EEC.

If you are a consumer residing in the EU, you may also bring proceedings in the courts of your country of residence. Additionally, the European Commission provides an Online Dispute Resolution (ODR) platform, accessible at https://ec.europa.eu/consumers/odr, which you may use to resolve disputes online.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect the remaining provisions of these Terms, which shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the parties, or if such modification is not possible, it shall be deemed severed from these Terms.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or policies published by us on the Website, constitute the entire agreement between you and KDVR Garms SRL with respect to your use of the Website and Services. These Terms supersede all prior or contemporaneous communications, representations, understandings, and agreements, whether oral or written, between you and KDVR Garms SRL regarding the subject matter hereof.

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

16. Changes to These Terms

We reserve the right to modify, amend, or update these Terms at any time and at our sole discretion. When we make changes, we will update the "Last updated" date at the top of this page and, where appropriate, provide additional notice through the Website.

Material changes to these Terms will become effective upon posting, unless otherwise specified. Your continued use of the Website after any modifications to these Terms constitutes your acknowledgment and acceptance of the modified Terms. If you do not agree with the revised Terms, you must discontinue your use of the Website immediately.

We recommend that you review these Terms periodically to ensure you are aware of any changes. It is your responsibility to check this page regularly for updates.

17. Contact Information

If you have any questions, concerns, or comments regarding these Terms of Use, please contact us at:

• Company: KDVR Garms SRL (operating as CalcuZone EU)
• Email: [email protected]
• Website: https://calcuzone.eu

We will make reasonable efforts to respond to your inquiry within a reasonable timeframe.