Terms & Conditions

Last updated: 14 August 2026

These Terms and Conditions govern access to and use of https://maltacalculators.com/, including its calculators, articles, guides and related services.

By accessing or using Malta Calculators, you confirm that you have read and agree to these terms. If you do not agree, please discontinue using the website.

1. About Malta Calculators

Malta Calculators is an independent informational website providing online calculators and practical guides concerning Malta.

The website is not an official government service and is not affiliated with, authorised by or endorsed by any public authority, bank, insurer, utility company, employer or other organisation mentioned in our content.

References to third parties are included for informational and verification purposes.

2. Informational Use

The website is provided for general information, education and personal planning.

Calculator results do not constitute:

  • An official assessment;
  • A binding quotation;
  • Professional financial advice;
  • Tax or accounting advice;
  • Legal advice;
  • Insurance advice;
  • Investment advice;
  • Employment advice;
  • A lending or eligibility decision.

Visitors must confirm material information with the relevant Maltese authority, service provider or qualified professional before making an important decision.

3. Calculator Results

Calculator results depend on:

  • The accuracy of information entered;
  • Options selected by the visitor;
  • Rates and formulas supported by the calculator;
  • Assumptions explained on the relevant page;
  • The effective date or calculation year;
  • Rounding and presentation methods.

A calculator may not include every personal condition, credit, exemption, adjustment, fee or contractual term.

You are responsible for reviewing your inputs and deciding whether a calculator is suitable for your intended purpose.

4. No Professional Relationship

Using Malta Calculators, reading an article or contacting us does not create:

  • An accountant-client relationship;
  • A lawyer-client relationship;
  • A financial-adviser relationship;
  • An insurer-client relationship;
  • An employment-advisory relationship;
  • A contractual relationship with an authority or provider.

General responses to messages should not be treated as personalised professional advice.

5. Eligibility to Use the Website

You may use Malta Calculators only where doing so is lawful.

If you use the website on behalf of an organisation, you confirm that you have the appropriate authority to do so and that the organisation accepts these terms.

Children should use financial calculators only with appropriate guidance from a parent or guardian.

6. Acceptable Use

You may use the website and calculators for lawful personal, educational or internal business-planning purposes.

You must not:

  • Attempt to gain unauthorised access to the website;
  • Interfere with website security or availability;
  • Introduce malware, harmful code or automated attacks;
  • Use the website for fraudulent or unlawful purposes;
  • Submit another person’s confidential information;
  • Misrepresent an estimate as an official assessment;
  • Use automated systems to overload the website;
  • Circumvent access or security restrictions;
  • Copy or commercially republish substantial website content;
  • Reproduce a calculator as your own product without permission;
  • Remove ownership, copyright or disclaimer notices.

We may restrict access where activity threatens the website, its users or its service providers.

7. User-Submitted Information

If you contact us or submit feedback, you confirm that:

  • The information is accurate to the best of your knowledge;
  • You have the right to provide it;
  • It does not unlawfully infringe another person’s rights;
  • It does not contain malicious code;
  • It is not submitted for harassment, spam or fraud.

Do not send bank details, passwords, identification documents, tax-reference numbers or other unnecessary sensitive information.

Information submitted through our contact facilities will be handled according to our Privacy Policy.

8. Corrections and Suggestions

Visitors may report calculation issues, outdated information or broken links.

When submitting a correction, include the relevant page, entered values, displayed result and a reliable supporting source where available.

We may review, accept, modify or decline a suggested correction. Submission of feedback does not create a right to publication, payment, attribution or implementation.

9. Intellectual Property

Unless otherwise stated, original website content, branding, calculator interfaces, written explanations and website design elements belong to Malta Calculators or are used with appropriate permission.

You may:

  • Use calculators for lawful personal purposes;
  • Save or print a reasonable extract for personal reference;
  • Link to a publicly available page;
  • Quote a limited extract with clear attribution where legally permitted.

You may not, without prior written permission:

  • Republish complete articles;
  • Clone or reproduce calculators;
  • Scrape substantial parts of the website;
  • Sell or license our content;
  • Remove attribution or ownership notices;
  • Present our original material as your own;
  • Use our branding in a way that suggests affiliation.

Nothing in these terms limits rights that cannot lawfully be restricted.

10. Third-Party Information

Some calculators or guides may refer to information published by Maltese authorities, regulators, banks, insurers, utility providers or other organisations.

Third-party information remains subject to its original source, conditions and intellectual-property rights.

We aim to interpret relevant information carefully, but we cannot guarantee that every third-party publication remains available, unchanged or applicable to an individual situation.

11. External Links

Malta Calculators may contain links to external websites.

We do not control external content, security, accessibility or privacy practices. Visiting an external website is subject to that website’s own terms and policies.

A link does not necessarily indicate endorsement, partnership or approval.

12. Advertising

The website may display advertisements delivered by third-party services such as Google AdSense.

Advertisers are responsible for their advertisements, products, services, claims and transaction terms. Malta Calculators does not automatically endorse an advertiser because an advertisement appears on the website.

Any interaction or transaction with an advertiser is between the visitor and that advertiser.

Advertising and cookies are further addressed in our Privacy Policy and Cookie Policy.

13. Website Availability

We aim to keep the website operational but do not guarantee continuous or error-free availability.

Access may be interrupted because of:

  • Maintenance;
  • Hosting or network failures;
  • Software updates;
  • Security requirements;
  • Technical faults;
  • Events outside our reasonable control.

We may update, suspend, replace or remove a calculator or page without prior notice where reasonably necessary.

14. Accuracy and Updates

We aim to publish useful and carefully reviewed information. However, rates, legislation, procedures and provider terms may change.

We do not guarantee that all content is complete, current or free from error at every moment.

A date or year shown on a calculator indicates its intended calculation basis. Users should not assume that the same figures apply to a different year.

15. Limitation of Liability

To the fullest extent permitted by applicable law, Malta Calculators is not liable for losses resulting solely from:

  • Reliance on an indicative calculation;
  • Incorrect or incomplete visitor inputs;
  • Failure to obtain official confirmation;
  • A delayed website update;
  • Temporary website unavailability;
  • Third-party content or services;
  • Decisions made without suitable professional advice.

Nothing in these terms excludes or limits any responsibility that cannot lawfully be excluded.

16. No Warranties

The website is provided on an “as available” basis.

To the extent permitted by law, we do not make warranties that:

  • Every calculator will suit every purpose;
  • Every result will match an official assessment;
  • The website will always be available;
  • Every external link will remain active;
  • Technical errors will never occur;
  • All information will remain current after publication.

Visitors are responsible for independently verifying material information.

17. Privacy and Cookies

Use of the website is also governed by our:

  • Privacy Policy;
  • Cookie Policy;
  • Disclaimer.

These pages explain how information, cookies, consent choices and advertising technologies are handled.

18. Suspension of Access

We may restrict or suspend access where we reasonably believe that a visitor has:

  • Misused the website;
  • Attempted to compromise its security;
  • Violated these terms;
  • Used automated activity that harms performance;
  • Engaged in unlawful or abusive behaviour.

Restrictions may be applied without advance notice where immediate action is needed to protect the website or its users.

19. Changes to These Terms

We may revise these Terms and Conditions when our website, services, legal obligations or operational practices change.

The latest revision date will be displayed at the beginning of the page. Continued use of Malta Calculators after an update means that the revised terms apply from their stated effective date.

20. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

Failure to enforce a provision immediately does not automatically waive the right to enforce it later.

21. Applicable Law

These terms are interpreted in accordance with applicable law.

Any mandatory rights available to consumers or website visitors remain unaffected. Where a dispute arises, the appropriate governing law and jurisdiction will depend on the parties, the website operator’s legal establishment and any mandatory legal requirements.

22. Contact

Questions concerning these Terms and Conditions can be sent to:

Email: contact@maltacalculators.com
Contact page: https://maltacalculators.com/contact-us/

Scroll to Top