Terms and Conditions

Last Updated: July 2026

1. Acceptance of Terms

By accessing and using Calculator Zed (“the Website”), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, along with our Disclaimer and Privacy Policy. These terms apply to all users, including visitors, registered users, and contributors.

2. Description of Service

Calculator Zed provides free, web-based calculation tools designed for the Zambian context. Our services include, but are not limited to:

• Agricultural calculators (crop yields, fertilizer requirements, farm profitability)
• Financial calculators (PAYE, NAPSA, investments, currency conversion)
• Health calculators (child growth, BMI, water intake)
• Construction and home planning estimators
• Educational and general-purpose calculators

3. Intellectual Property Rights

All content on Calculator Zed, including but not limited to:

• Website design, layout, and graphics
• Calculator algorithms and formulas
• Text content, articles, and guides
• Logos, branding, and the “Calculator Zed” name

is the exclusive property of Calculator Zed and is protected by Zambian and international copyright laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this website without our prior written permission.

4. Permitted Use

You are granted a limited, non-exclusive, non-transferable license to access and use Calculator Zed for personal, non-commercial purposes. You agree NOT to:

• Use the website for any illegal or unauthorized purpose
• Copy, scrape, or systematically extract data from our calculators for commercial use
• Attempt to reverse-engineer, decompile, or hack our calculator algorithms
• Upload viruses, malware, or any malicious code to the website
• Interfere with or disrupt the website’s servers or networks
• Use the website to transmit spam, unsolicited messages, or harmful content
• Impersonate any person or entity, or falsely state your affiliation with any entity

5. User Responsibilities

When using Calculator Zed, you are solely responsible for:

• Accuracy of Input: The accuracy of your calculations depends entirely on the data you enter. Calculator Zed is not responsible for errors resulting from incorrect inputs.
• Professional Consultation: Our tools provide estimates only. You must consult qualified professionals (doctors, accountants, agronomists, engineers) before making critical decisions based on our calculations.
• Compliance with Laws: You must comply with all applicable Zambian laws and regulations when using our website.

6. No Warranties

Calculator Zed is provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted, secure, or error-free
• The results obtained from our calculators will be accurate or reliable
• The website will be compatible with all devices and browsers
• Any defects or errors will be corrected

7. Limitation of Liability

To the maximum extent permitted by Zambian law, Calculator Zed, its owners, operators, and affiliates shall NOT be liable for:

• Any direct, indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, crops, or business opportunities
• Personal injury, property damage, or health issues arising from reliance on our calculators
• Any errors, omissions, or inaccuracies in our content or calculations
• Any unauthorized access to or alteration of your data

This limitation applies regardless of whether such liability arises from contract, negligence, tort, or any other legal theory, even if we have been advised of the possibility of such damages.

8. Indemnification

You agree to indemnify, defend, and hold harmless Calculator Zed and its affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of:

• Your use of the website
• Your violation of these Terms and Conditions
• Your violation of any third-party rights
• Any decisions or actions you take based on information from our calculators

9. External Links

Our website may contain links to third-party websites (such as ZRA, WHO, ZAMACE, UNICEF). These links are provided for convenience and informational purposes only. Calculator Zed does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Accessing external links is at your own risk.

10. Privacy and Data Protection

We respect your privacy. Our calculators process all data locally in your browser. We do not store, transmit, or sell your personal calculations, health data, or financial information to any server or third party. For complete details, please review our Privacy Policy.

11. Modifications to Terms

Calculator Zed reserves the right to modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes your acceptance of the new terms. We encourage you to review these terms periodically.

12. Termination

We reserve the right to suspend or terminate your access to Calculator Zed at our sole discretion, without notice, for any conduct that we believe violates these Terms and Conditions or is harmful to other users, us, or third parties.

13. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Zambia. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Zambia.

14. Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms and Conditions, along with our Disclaimer and Privacy Policy, constitute the entire agreement between you and Calculator Zed regarding your use of the website, and supersede any prior agreements or understandings.