Terms of Use

1. Acceptance of terms

By accessing or using Calk NZ, you agree to be bound by these Terms of Use. If you do not agree, please do not use this site.

2. Informational purposes only

All calculators and content on Calk NZ are provided for general informational and educational purposes only. Nothing on this site constitutes financial, tax, legal, or investment advice.

You should not rely solely on these results for financial decisions. Individual circumstances vary, and tax rules change. Always verify results with a qualified professional or directly with IRD.

3. Accuracy disclaimer

While we strive to keep calculators accurate and up to date with current IRD, ACC, and MBIE rates, Calk NZ makes no warranty — express or implied — as to the accuracy, completeness, or fitness for any particular purpose of the information provided. Tax legislation and rates change; results may not reflect the most recent changes.

4. Intellectual property

All content, design, and code on this site are the intellectual property of Calk NZ unless otherwise stated. You may not reproduce, distribute, or create derivative works without prior written permission.

5. Governing law

These terms are governed by the laws of New Zealand. Any disputes arising from use of this site will be subject to the exclusive jurisdiction of the New Zealand courts.

6. Contact

Questions about these terms? Contact us at info@calk.nz or visit the contact page.