Terms of Service

These terms describe the use of Calculatopia's website and free public calculators. By using the service, you agree to these terms. If you do not agree, please stop using it.

Operator and service

Site operator

LING QU AI LIMITED

Public contact

suport@calculatopia.com

Calculatopia provides English-language tools for net worth, CD growth, deposit-rate and APY conversion, and household wealth comparisons. Monetary results use U.S. dollars. Public use does not require an account, a bank connection, a subscription, or a payment. Restricted administrative sign-in is for operating the site and is not a public customer account.

Calculatopia does not accept deposits, execute transactions, offer financial products, or provide live bank-rate quotes.

Educational results and your decisions

The calculators and explanations provide general educational information, not personalized financial, investment, tax, or legal advice. Using them does not create an advisory, fiduciary, banking, or professional-client relationship.

You are responsible for the inputs you choose and for checking whether a result fits the question you are trying to answer. Verify account terms, rates, tax treatment, and other material facts with the relevant institution or an appropriately qualified professional before making a consequential decision.

Results depend on simplified assumptions described in Methodology. A CD estimate can differ from a bank's actual day-count and crediting rules and omits fees and penalties. An optional tax-rate adjustment is not a tax-return calculation. A household percentile is a sample-survey estimate, not a live ranking, a measure of personal merit, or a complete assessment of financial security.

Availability and accuracy

We aim to explain methods and correct identified errors, but do not promise uninterrupted access, error-free software, or suitability for a particular purpose. Source material may change, and survey information describes its stated survey year and dollar basis. Display precision does not guarantee real-world accuracy.

Features may be corrected, changed, or withdrawn. Calculator entries are not stored in a customer account and may be lost when you leave or reload the page. Save an export yourself if you need a record, and check it before relying on it.

To the extent permitted by applicable law, the service is provided as available without warranties of accuracy, fitness for a particular purpose, or continuous availability. Nothing in these terms excludes rights or liabilities that applicable law does not allow to be excluded.

Responsible use

You may use the public calculators for lawful educational and planning purposes. Do not:

• Attempt to access administrative functions, private data, or systems without authorization.
• Disrupt the service, bypass protective limits, introduce harmful code, or send abusive traffic.
• Misrepresent a calculator result as a bank offer, an official government assessment, or personalized professional advice from Calculatopia.
• Remove source context in a way that falsely attributes our derived estimates to a source agency or implies its endorsement.

Access may be limited to protect the service or address misuse. These terms do not authorize automated activity that interferes with ordinary access.

Content, sources, and exports

The site contains original explanations and derived calculations alongside links to third-party material. Third-party sources retain any rights and conditions that apply to their own material. Refer to the original source before reusing it; a citation on this site is not a blanket license for every linked work.

You may save and use the CSV results generated from your inputs. Keep relevant assumptions, units, dates, and source labels with results you share so that others can interpret them. A Calculatopia result does not grant a right to imply that the site or a cited agency endorses your work or product.

Links are provided for context. We do not control third-party websites, their availability, content, or privacy practices. Calculatopia is independent of the banks and government agencies discussed or cited.

Privacy and correspondence

The Privacy Policy explains browser-only financial inputs, limited visitor analytics, hosting requests, administrative cookies, and optional correspondence. Do not send account credentials or sensitive financial documents when reporting an issue. Contacting the site does not establish a professional advice relationship or a guaranteed response time.

Changes and contact

Changes to these terms will be reflected on this page with an updated date. Review the current terms when you use the service. A later update does not remove rights that cannot lawfully be removed.

Questions or error reports can be sent through Contact. Our Editorial Policy explains source selection and corrections.