Terms of Use

1. Who we are

Online CalcKit is operated by AI Regenesis Ltd, a private limited company registered in England and Wales (company number 16376961) with its registered office at 20 Wenlock Road, London, N1 7GU. References to "we", "us", and "our" mean AI Regenesis Ltd.

2. The service

Online CalcKit provides free, web-based calculators for general estimation across money, business, home, date, and health topics. The calculators are tools for rough estimation only.

The site is offered "as is" without registration, accounts, or payment.

3. Not professional advice

The calculators on this site do not constitute financial, legal, medical, tax, accounting, or any other professional advice. They are general-purpose estimation tools. Results depend on the inputs you provide and on the assumptions documented on each calculator's page.

For decisions with real-world consequences — taking out a mortgage, leaving a job, making investment choices, planning medical care, structuring a business, complying with tax obligations — you should consult a qualified professional in the relevant jurisdiction. Do not rely solely on a calculator output.

4. Acceptable use

You agree not to:

• Use the site in a way that breaks the law or harms others.
• Attempt to gain unauthorised access to the site, its servers, or any data we hold.
• Disrupt the site through denial-of-service, scraping at abusive rates, or similar.
• Reproduce substantial parts of the site's content without permission (see section 6).
• Use the site to send spam, malware, or other malicious content.

We reserve the right to block access from any IP address or visitor that breaches these terms.

5. Accuracy of information

We have taken reasonable care to ensure that the calculators and supporting content are accurate at the time of publication. We do not, however, guarantee that the information is current, complete, or free from error.

Tax rates, statutory thresholds, public-holiday dates, and similar regulated information change frequently. The calculators reflect the conventions in force at the time the page was written; always verify against an authoritative source for binding decisions.

6. Intellectual property

The site's design, layout, code, written content, and brand are owned by AI Regenesis Ltd or our licensors. You may use the calculators for personal or business purposes; you may not copy, republish, or commercially redistribute substantial portions of our written content, code, or design without prior written permission.

Inputs you enter into the calculators (numbers, dates, etc.) belong to you and are processed locally in your browser, as described in our Privacy Policy.

7. Third-party links and services

The site may link to third-party websites for reference (e.g. official tax authority pages, regulatory bodies). We are not responsible for the content, accuracy, or privacy practices of those external sites.

When advertising is enabled on the site, ads are served by Google AdSense. We do not control the specific ads shown to you, and we are not responsible for the products, services, or websites those ads link to.

8. Limitation of liability

To the fullest extent permitted by law, AI Regenesis Ltd will not be liable for any loss or damage — including direct, indirect, incidental, consequential, or punitive damages — arising from your use of, or inability to use, the calculators or the site, including reliance on any calculation result.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under English law.

9. Changes to the site or these terms

We may change, suspend, or discontinue any part of the site at any time without notice. We may also update these terms; the "Last updated" date at the top of this page reflects the most recent change. Continued use of the site after a change constitutes acceptance of the updated terms.

10. Governing law

These terms and your use of the site are governed by the laws of England and Wales. Any disputes arising out of or in connection with these terms are subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer based in another part of the UK or in the European Union, you retain the benefit of any mandatory consumer protections that apply in the country in which you reside.

11. Contact

Questions about these terms can be sent to:

• AI Regenesis Ltd
• 20 Wenlock Road, London, N1 7GU, United Kingdom
• Email: bryan@ai-regenesis.com