Acceptance of These Terms
By accessing or using calc.co.ke ("Calc", "we", "us"), you agree to these Terms of Use. If you don't agree, please don't use the site.
What Calc Provides
Calc provides free calculators and articles covering Kenyan taxes, loans, M-PESA and mobile money charges, utility bills, insurance, and related topics, for general informational and reference use.
Not Professional Advice
Calc's calculators and articles are informational tools only. They do not constitute tax, legal, financial, medical, or other professional advice, and using them does not create any advisory or professional relationship between you and Calc. Always verify figures that affect a filing, payment, contract, or legal obligation with the relevant official body — such as KRA, NSSF, SHIF, HELB, Kenya Power, or your lender — or a qualified professional, before relying on them.
Accuracy & No Warranty
We build and update calculators against current official rates, bands, and tariffs, and review them regularly. Even so, rates change, sources are sometimes revised without notice, and individual circumstances vary. Calc is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. Results are estimates and may differ from figures produced by KRA, your bank, your lender, or any other official system.
Limitation of Liability
To the fullest extent permitted by the laws of Kenya, Calc and its team are not liable for any loss, damage, penalty, or claim — direct, indirect, or consequential — arising from your use of, or reliance on, this site or its calculators, including outdated or incorrect results.
Acceptable Use
You agree not to: misuse or attempt to disrupt the site (including scraping at scale, denial-of-service attempts, or bypassing security controls); reproduce, resell, or redistribute Calc's calculators, articles, or underlying code without permission; or use the site for any unlawful purpose.
Intellectual Property
The Calc name, logo, calculator designs, articles, and site content are owned by Calc.co.ke or its licensors and protected by applicable intellectual property law. You may share links to Calc pages freely; you may not copy or republish substantial content without our written permission.
Third-Party Links
Calc links to official government, institutional, and lender sites for reference. We don't control those sites and aren't responsible for their content, accuracy, or availability.
Changes to the Service and These Terms
We may add, change, or remove calculators and content at any time, and may update these Terms as the site evolves. The "Last updated" date above reflects the current version. Continuing to use Calc after a change means you accept the updated Terms.
Governing Law
These Terms are governed by the laws of Kenya. Any dispute arising from your use of Calc is subject to the exclusive jurisdiction of the courts of Kenya.
Contact Us
Questions about these Terms? Visit our Contact page.