Terms of Use
Welcome to Calcivo. These Terms of Use govern your access to and use of our web application, financial calculators, tax tools, and educational guides. By accessing Calcivo, you agree to comply with these terms.
On This Page
Acceptance of Terms
By accessing or using Calcivo (calcivo.net), you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use. If you do not agree with any part of these terms, you must discontinue using our website and tools immediately.
Permitted Use of Calculators & Tools
Calcivo grants you a personal, non-exclusive, non-transferable, revocable license to access and use our interactive calculators (salary, novated lease, CGT, leave loading, reverse mortgage) for personal, non-commercial educational purposes.
General Educational Purpose Only
All tools, articles, tax calculations, and figures provided on Calcivo are for general educational information only. Calcivo does not hold an Australian Financial Services Licence (AFSL) and does not provide personal financial, tax, accounting, or legal advice.
Intellectual Property Rights
All branding, logos, calculation logic, software code, design layouts, written guides, and visual graphics on Calcivo are the intellectual property of Calcivo and are protected by Australian copyright, trademark, and intellectual property laws.
Limitation of Liability
To the maximum extent permitted by Australian Consumer Law, Calcivo shall not be liable for any direct, indirect, incidental, or consequential financial losses, ATO penalties, or damages resulting from reliance on calculator outputs generated by our website.
Prohibited Activities
Users are prohibited from attempting to scrape, reverse engineer, decompile, or launch automated bot attacks against Calcivo infrastructure or embedding our calculators inside iframe containers without prior written authorization.
External Links & Services
Calcivo may contain links to external Australian statutory bodies (ATO, Fair Work Ombudsman, ASIC). We do not control or endorse the content of third-party websites and are not responsible for their availability or legal terms.
Modifications to Terms
We reserve the right to revise or update these Terms of Use at any time. Updates will take effect immediately upon being published on this page with an updated "Last Updated" date.
Governing Law (Australia)
These Terms of Use are governed by and construed in accordance with the laws of Victoria and the Commonwealth of Australia. Any legal disputes arising under these terms shall be subject to the exclusive jurisdiction of Australian courts.
Contact Information
If you have any questions or enquiries regarding these Terms of Use, please reach out to our support team: