Terms of Use

General information only

The information and calculators on Calcy (calcy.com.au) are provided for general informational purposes only. They do not constitute financial product advice, credit advice, or a loan offer, and do not take into account your personal objectives, financial situation or needs.

Calculations are estimates based on the inputs you provide and standard formulas. They may not reflect your lender's actual figures, fees, eligibility criteria or assessment process. Always confirm exact figures with a licensed Australian mortgage broker, lender, or financial adviser before making decisions.

We make no warranties as to the accuracy, completeness, or suitability of any calculation for your circumstances. Use of this site is at your own risk.

Acceptable use

You may use Calcy's calculators and content for your own personal or business decision-making. You must not: attempt to disrupt or overload the site; scrape, copy, or republish the site's content or underlying data at scale without permission; or use the site for any unlawful purpose.

Intellectual property

The Calcy name, calculators, guides, and original written content are owned by Calcy or its licensors. You may share links to Calcy pages and quote short excerpts with attribution. Full republication of guide or calculator content requires our written permission — contact us via the contact page.

Third-party links and advertising

Calcy displays advertising through Google AdSense and may link to third-party websites (for example, government revenue offices or lender information pages). We don't control and aren't responsible for the content, accuracy, or availability of third-party sites or advertisements. See our privacy policy for details on advertising cookies.

Limitation of liability

To the maximum extent permitted by Australian law, Calcy and its operators are not liable for any loss or damage arising from your use of, or reliance on, this site or its calculators, including indirect or consequential loss. Nothing in these terms excludes any guarantee, right or remedy that cannot lawfully be excluded under the Australian Consumer Law.

Governing law

These terms are governed by the laws of Australia. By using Calcy, you agree to these terms. If any part is found unenforceable, the remaining terms continue to apply.

Changes to these terms

We may update these terms from time to time; the effective date above reflects the most recent change. Questions about these terms can be sent via our contact page.