⚠️ Important: All calculators on PetCostCalc provide estimates only. Results are not veterinary, financial, or legal advice. Always verify costs with your vet, insurer, or a qualified professional before making decisions.
1. Acceptance of Terms
By accessing or using PetCostCalc at YOUR-DOMAIN.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. We may update these terms at any time, and continued use of the Site after changes are posted constitutes your acceptance of the revised terms.
2. Use of Calculators
PetCostCalc provides free, browser-based calculators designed to help pet owners estimate the costs of pet ownership, insurance, veterinary care, and related expenses. By using these calculators, you acknowledge that:
- Results are estimates only. All outputs are approximations based on general industry data and the inputs you provide. Actual costs will vary based on your specific pet, location, provider, and circumstances.
- Not professional advice. Nothing on this Site constitutes veterinary, financial, insurance, or legal advice. Calculator results should not be used as a substitute for consultation with a licensed veterinarian, financial advisor, insurance broker, or attorney.
- Verify independently. Always confirm costs, premiums, and coverage details directly with your veterinarian, pet insurer, or other service provider before making purchasing or care decisions.
- Data stays in your browser. All calculations run locally in your browser. Your inputs are never transmitted to us or stored on any server.
You agree to use the Site for lawful purposes only and in a manner that does not infringe the rights of others or restrict their use of the Site.
3. No Warranties
The Site and all calculators are provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by law, PetCostCalc disclaims all warranties including, but not limited to:
- Implied warranties of merchantability and fitness for a particular purpose
- Warranties that the Site will be uninterrupted, error-free, or free of viruses
- Warranties that calculator results will be accurate, complete, or current
Pet insurance premiums, vet costs, food prices, and other figures used in our calculations are based on industry averages and published data sources. These figures change over time and vary significantly by location, provider, and individual circumstances. We make no guarantee that any estimate reflects what you will actually pay.
4. Limitation of Liability
To the maximum extent permitted by applicable law, PetCostCalc and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or its calculators. This includes, but is not limited to, damages resulting from reliance on any estimate, output, or information provided by the Site.
Your sole remedy for dissatisfaction with the Site is to stop using it.
5. Affiliate Disclosure
PetCostCalc participates in affiliate marketing programs. This means we may earn a commission when you click certain links on this Site and subsequently make a purchase or sign up for a service. Affiliate links are clearly labelled as "Sponsored" wherever they appear.
Affiliate commissions do not affect the cost you pay for any product or service. We only feature affiliate partners whose products and services are genuinely relevant to pet owners. Our editorial content and calculator results are not influenced by affiliate relationships.
6. Advertising
The Site displays advertisements served by Google AdSense and potentially other advertising networks. These ads are selected and displayed by third parties based on your browsing behaviour and other factors outside our control. We are not responsible for the content of third-party advertisements.
7. Intellectual Property
All content on this Site — including calculator logic, text, graphics, design, and code — is the property of PetCostCalc or its content suppliers and is protected by applicable copyright and intellectual property laws.
You may use our calculators freely for personal, non-commercial purposes. You may not copy, reproduce, republish, scrape, or distribute any substantial portion of the Site's content or code without our prior written permission. You are welcome to embed individual calculators on your own site using our official embed feature.
8. Third-Party Links
The Site contains links to third-party websites including pet insurance providers, pet supply retailers, and veterinary information sources. These links are provided for your convenience and do not constitute an endorsement of those sites or their content. We have no control over the content, privacy practices, or availability of third-party sites and accept no responsibility for them.
9. Accuracy of Data Sources
Our calculators draw on data from sources including NAPHIA (North American Pet Health Insurance Association), the AVMA (American Veterinary Medical Association), the APPA (American Pet Products Association), and veterinary industry pricing surveys. While we make reasonable efforts to keep this data current, we cannot guarantee its accuracy at any given time. Costs, premiums, and industry averages change frequently.
10. Changes to These Terms
We reserve the right to modify these Terms of Use at any time. Changes take effect immediately upon posting to this page. The "Last updated" date at the top of this page reflects when terms were most recently revised. We encourage you to review these terms periodically.
11. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of the applicable jurisdiction.
12. Contact
If you have any questions about these Terms of Use, please contact us at hello@YOUR-DOMAIN.com.