Terms of Use

By accessing or using the Site you confirm that you have read, understood and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.

All calculators on the Site provide indicative estimates only. Inputs are processed locally in your browser using general formulas and standard published rates. Results may not reflect your full personal circumstances or the most recent legislative changes.

Nothing on the Site constitutes financial, taxation, legal, accounting or medical advice. You should always verify results with a qualified professional — such as a licensed financial adviser, registered tax agent, mortgage broker or medical practitioner — before making any decision.

The Site is provided on an "as is" and "as available" basis. We make no warranty as to the accuracy, completeness, reliability or fitness for purpose of any calculator, content or service. Tax brackets, interest rates, government rules and rebates change frequently and may not be reflected immediately.

To the maximum extent permitted by law, neither CalcHub nor H & N Logistics Group PTY LTD will be liable for any indirect, incidental, special, consequential or exemplary damages, or any loss of profits, revenue, data or goodwill, arising out of or in connection with your use of, or inability to use, the Site or any reliance on its calculators or content.

You agree to indemnify and hold harmless CalcHub, H & N Logistics Group PTY LTD and our directors, officers and contractors from any claim, loss, liability or expense arising out of your breach of these Terms or misuse of the Site.

All content on the Site — including the CalcHub brand, logos, calculator design, formulas, articles and underlying code — is owned by or licensed to H & N Logistics Group PTY LTD and is protected by Australian and international intellectual-property laws. You may use the Site for personal, non-commercial purposes; any other use requires our prior written consent.

• Do not attempt to disrupt, attack or disable the Site.
• Do not scrape, mirror or systematically download content at unreasonable rates.
• Do not reverse-engineer or attempt to extract source code outside permitted uses.
• Do not use the Site for any unlawful purpose or in breach of any applicable law.

The Site may contain links to third-party websites or services that we do not control. We are not responsible for the content, policies or practices of any third party, and inclusion of a link does not imply endorsement.

We display advertising via Google AdSense and may include sponsored content. Sponsored content will be clearly labelled. See our Privacy Policy for details on how advertising cookies are used.

We may suspend or terminate your access to the Site at any time, without notice, if we reasonably believe you have breached these Terms or if we discontinue the Site.

These Terms are governed by the laws of Australia. Any dispute arising out of or relating to the Site or these Terms is subject to the exclusive jurisdiction of the courts of Australia.

We may update these Terms from time to time. The latest version will always be posted on this page with an updated "Last updated" date. Continued use of the Site after changes constitutes acceptance.

Questions about these Terms? Email info@calc.business or use our Contact page.