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⚖️ Legal Notice & Terms of Use

Effective Date: January 1, 2026
Last Revision: September 27, 2026

1. Terms of Use

By accessing and utilizing calpp.io ("the Website"), you acknowledge that you have read, understood, and agreed to comply with these terms, notices, and conditions. If you disagree with any portion of these terms, you should discontinue use of the website and its calculators immediately.

2. Independent Non-Affiliation Disclaimer

CRITICAL NOTICE: calpp.io is an independent analytical web application developed to help freelancers, merchants, e-commerce sellers, and consumers estimate transaction fees.

calpp.io is NOT affiliated, associated, authorized, endorsed by, sponsored by, or in any way officially connected with PayPal Holdings, Inc., or any of its subsidiaries, parent entities, or international affiliates. The official PayPal service and user agreements are located at https://www.paypal.com.

The names "PayPal", "PayPal Here", "PayPal Checkout", "Venmo", "Braintree", as well as related trademarks, registered marks, trade names, emblems, and visual logos are registered trademarks of PayPal Holdings, Inc. or their respective intellectual property holders. Any use of these marks on calpp.io is strictly for nominative, identification, and informational reference purposes only under the doctrine of fair use.

3. Financial & Informational Disclaimer

The calculation tools, fee formulas, tables, and comparative guides on calpp.io are provided strictly for general informational and estimation purposes only:

  • Not Financial, Accounting, or Legal Advice: None of the content or calculations provided on this site constitutes professional financial, tax, certified accounting, or legal advice.
  • Variations in Specific Merchant Accounts: PayPal applies varied rates depending on merchant account standing, specific card network surcharges (Visa, Mastercard, Amex), currency conversion spreads, cross-border origin, chargeback history, and contractual custom enterprise volume agreements.
  • Independent Verification: Users must verify all calculations, rate updates, currency exchange fees, and contract terms directly on their PayPal Merchant portal or official PayPal User Agreement before making commercial billing decisions or executing transactions.

4. Intellectual Property Rights

The proprietary software code, calculator algorithms, CSS design system, typography styling, editorial text guides, and site architecture of calpp.io are the intellectual property of calpp.io and protected under international copyright and intellectual property conventions. Unauthorized scraping, mass mirroring, or automated extraction without express written permission is strictly prohibited.

5. Limitation of Liability

To the maximum extent permitted under applicable law, calpp.io, its developers, operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to:

  • Loss of business revenue, profit, anticipated savings, or data;
  • Accounting discrepancies, invoicing errors, or undercharges resulting from calculation approximations;
  • Service interruptions, downtime, or technical browser malfunctions.

Use of this tool is entirely at your own risk and discretion.

6. External Links & Third-Party Services

This website may contain links to external third-party websites or services that are not controlled or operated by calpp.io. We have no control over, and assume no responsibility for, the content, privacy policies, terms, or practices of any third-party websites.

7. Contact & Legal Inquiries

If you have questions regarding this Legal Notice, terms of use, or wish to report a copyright or trademark concern, please contact: