Last updated: 18 December 2025
Please read these Terms and Conditions (“Terms”) carefully before using the calfnotes.com website, associated subdomains, tools, calculators, downloadable software, or desktop applications, including Microsoft Store applications (collectively, the “Service”), operated by Calf Notes Consulting, LLC (“us”, “we”, or “our”).
By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you may not access or use the Service.
Intellectual Property
The Service and its original content, features, functionality, software, and tools are and will remain the exclusive property of Calf Notes Consulting, LLC and its licensors.
Software and tools provided as part of the Service are licensed, not sold, and may be subject to additional restrictions or requirements.
Links to Other Websites
The Service may contain links to third-party websites or services not owned or controlled by us. We assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
Termination
We may terminate or suspend access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms.
All provisions which by their nature should survive termination shall survive termination.
Disclaimer
Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, whether express or implied.
Governing Law
These Terms shall be governed and construed in accordance with the laws of the State of Florida, United States, without regard to conflict of law principles.
Changes
We reserve the right to modify these Terms at our sole discretion. Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.
Contact Us
If you have any questions about these Terms, please contact us.