Terms and Conditions

Last Updated: October 10, 2025

Welcome to College Life Calculator. By accessing or using our service, you agree to be bound by these Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By accessing and using College Life Calculator, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, along with our Privacy Policy. If you do not agree to these terms, please do not use our service.

2. Service Description

College Life Calculator is a free financial planning tool that provides:

• College tuition cost estimates based on publicly available data
• City-specific cost of living calculations
• Student loan payment simulations
• Financial planning insights and visualizations
• Educational resources for college financial planning

3. Free Service

College Life Calculator is provided completely free of charge. There are no subscription fees, hidden costs, or payment requirements to use any features of the service.

4. User Responsibilities

As a user of College Life Calculator, you agree to:

• Use the service only for lawful purposes and in accordance with these terms
• Not attempt to reverse engineer, hack, or compromise the service
• Not use automated systems or bots to access the service in a way that disrupts service availability
• Not misuse the service or interfere with other users' access

5. Data Accuracy and Disclaimers

5.1 Information Accuracy

College Life Calculator uses publicly available data sources and APIs to provide cost estimates. While we strive for accuracy, we cannot guarantee that all information is current, complete, or error-free. College tuition, fees, and costs can change without notice.

5.2 Not Financial Advice

College Life Calculator is an educational and planning tool only. It does not constitute financial, legal, or professional advice. You should consult with qualified professionals regarding your specific financial situation and educational decisions.

5.3 No Guarantee of Results

We do not guarantee that use of our service will result in admission to any college, financial aid approval, loan approval, or any specific financial outcome.

6. Intellectual Property

All content, features, and functionality of College Life Calculator, including but not limited to text, graphics, logos, icons, images, software, and data compilations, are the exclusive property of College Life Calculator and are protected by copyright, trademark, and other intellectual property laws.

7. Limitation of Liability

To the maximum extent permitted by law:

• College Life Calculator is provided "as is" and "as available" without warranties of any kind
• We are not liable for any indirect, incidental, special, consequential, or punitive damages
• We are not responsible for decisions made based on information provided by the service
• We are not liable for any interruption, delay, or failure of service due to circumstances beyond our reasonable control
• Because the service is provided free of charge, our liability is limited to the fullest extent permitted by law

8. Data Privacy and Security

We take your privacy seriously. Our collection, use, and protection of your information is governed by our Privacy Policy. By using College Life Calculator, you consent to our data practices as described in the Privacy Policy.

8.1 Data We Collect

• Usage data and preferences
• Calculation inputs and results (stored locally in your browser)
• Anonymous analytics data to improve the service

8.2 Data Security

We implement industry-standard security measures to protect the service. Your calculation data is stored locally in your browser and is not transmitted to our servers. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

9. Service Availability

We reserve the right to modify, suspend, or discontinue the service at any time without notice. We may also restrict access to the service if:

• You violate these Terms and Conditions
• We suspect fraudulent, malicious, or illegal activity
• You engage in behavior that harms other users or the service
• You use automated systems that create excessive load on our servers

10. Changes to Terms

We may modify these Terms and Conditions at any time. Material changes will be posted on this page with an updated "Last Updated" date. Continued use of College Life Calculator after changes constitutes acceptance of the modified terms.

11. Third-Party Services

College Life Calculator may integrate with or link to third-party services and websites. We are not responsible for the content, privacy practices, or terms of service of any third-party services.

12. Indemnification

You agree to indemnify, defend, and hold harmless College Life Calculator, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the service or violation of these terms.

13. Governing Law and Disputes

These Terms and Conditions are governed by the laws of the United States. Any disputes arising from these terms or the service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

14. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Age Requirements

You must be at least 13 years of age to use College Life Calculator. If you are under 18, you should have parental or guardian consent to use the service.

16. Contact Information

For questions about these Terms and Conditions, please contact us at:

Email: support@collegelifecalculator.com
Website: www.collegelifecalculator.com

17. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and College Life Calculator regarding the use of our service and supersede any prior agreements.

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By using College Life Calculator, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

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