Terms and Conditions

Last updated: April 17, 2026

Welcome to The Online Calculator (the-online-calculator.com). These Terms and Conditions ("Terms") govern your use of our website and any related tools, calculators, and services ("Services"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Use of the Service

Our calculators and tools are provided for informational and educational purposes only. While we strive for accuracy, results produced by our tools may not always be precise and should not be relied upon for official, legal, medical, or financial decisions. Always verify important calculations with a qualified professional.

• You agree to use our Services only for lawful purposes and in compliance with all applicable laws and regulations.
• You may not use our Services in a way that could harm, disable, overload, or impair the functionality of the website or interfere with other users' access.
• You may not attempt to gain unauthorised access to any part of our systems or infrastructure.
• Automated scraping, crawling, or bulk downloading of our content without prior written consent is prohibited.

2. Intellectual Property

All content published on this website — including design, text, graphics, logos, icons, and the underlying source code — is the property of The Online Calculator or its licensors and is protected by copyright, trademark, and other applicable intellectual property laws.

You may:

• View, print, or download content for personal, non-commercial use.
• Share links to our pages on social media or other websites.

You may not:

• Copy, reproduce, distribute, or modify any content for commercial purposes without prior written consent.
• Republish our articles or blog content on other websites, even with attribution, without written permission.
• Use our brand name or logo in a way that implies endorsement or affiliation without consent.

3. Cookies and Advertising

We use cookies and similar technologies on this website. By continuing to use our site, you consent to our use of cookies as described below.

3.1 Types of Cookies We Use

• Essential cookies: Required for the website to function correctly. These cannot be disabled.
• Analytics cookies: Help us understand how visitors use our site so we can improve it. Data is aggregated and anonymised.
• Advertising cookies: Used by Google AdSense to display relevant advertisements based on your browsing activity. Cookie duration: up to 13 months.

3.2 Google AdSense

This website uses Google AdSense, a web advertising service provided by Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA. AdSense uses cookies to serve ads based on a user's prior visits to our website and other websites on the internet.

You may opt out of personalised advertising by visiting Google Ads Settings. For more information on how Google uses data when you use our site, please visit Google's Privacy & Terms.

3.3 Managing Cookies

You can control or delete cookies through your browser settings at any time. Note that disabling certain cookies may affect the functionality of this website. For guidance, visit aboutcookies.org.

4. Privacy and Your GDPR Rights

We are committed to protecting your personal data in accordance with the General Data Protection Regulation (GDPR) and applicable Dutch privacy law (UAVG). Our full Privacy Policy explains what data we collect, why, and how we protect it.

Under GDPR, you have the following rights:

• Right of access: Request a copy of the personal data we hold about you.
• Right to rectification: Ask us to correct inaccurate or incomplete data.
• Right to erasure: Request deletion of your personal data where there is no compelling reason for continued processing.
• Right to data portability: Request that we transfer your data to another service provider in a machine-readable format.
• Right to object: Object to processing of your data for direct marketing or profiling purposes.
• Right to restrict processing: Ask us to limit how we use your data while a complaint is being investigated.

To exercise any of these rights, contact us at contact@the-online-calculator.com. We will respond within 30 days. You also have the right to lodge a complaint with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens) at autoriteitpersoonsgegevens.nl.

5. Accuracy of Calculator Results

We make every effort to ensure our calculators produce accurate results. However, please be aware of the following limitations:

• Tax and VAT calculations are based on standard rates and may not reflect recent legislative changes. Always verify with your local tax authority.
• Currency exchange rates are fetched from third-party providers and may differ from the rates offered by banks or payment processors at the time of a transaction.
• BMI and health-related calculations are informational only and do not constitute medical advice. Consult a healthcare professional for health decisions.
• Loan and mortgage calculations use standard amortisation formulas and do not account for lender-specific fees, insurance, or early repayment charges.

For any critical financial, legal, or medical decision, always consult a qualified professional.

6. Disclaimer of Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the website will be available at all times or free from errors or security vulnerabilities.

7. Limitation of Liability

To the fullest extent permitted by Dutch and EU law, The Online Calculator, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of or inability to use our Services, including but not limited to loss of revenue, loss of data, or financial loss.

8. Third-Party Links and Advertisements

Our site may contain links to third-party websites and display advertisements served by Google AdSense and other advertising partners. We are not responsible for the content, accuracy, privacy practices, or reliability of any third-party websites. Any transactions you conduct with third parties are solely between you and that third party.

9. User Submissions and Feedback

If you submit feedback, suggestions, bug reports, or ideas via email or our contact form, you grant us a worldwide, non-exclusive, royalty-free, perpetual licence to use, reproduce, and incorporate such submissions into our Services without any obligation to compensate you. We will never share your contact details with third parties.

10. Termination and Access

We reserve the right to suspend or terminate access to our website at any time, with or without notice, for conduct that we believe violates these Terms, is harmful to other users, or is detrimental to the operation of our Services.

11. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. Any changes will be posted on this page with an updated "Last updated" date at the top. Your continued use of our Services after any changes constitutes acceptance of the revised Terms. We recommend reviewing this page periodically.

12. Governing Law and Disputes

These Terms are governed by and interpreted in accordance with the laws of the Netherlands, without regard to its conflict of law principles. Any disputes arising from or relating to these Terms or your use of our Services shall be subject to the exclusive jurisdiction of the courts of the Netherlands.

Before initiating formal legal proceedings, we encourage you to contact us directly so we can attempt to resolve the matter amicably.

13. Contact

If you have questions, concerns, or requests related to these Terms, please contact us: