Terms of Use
Last updated: January 27, 2026
⚠️ IMPORTANT - Please read carefully
The use of Multicalculettes.com implies full acceptance of these Terms of Use (ToU). If you do not accept these terms, please do not use this site.
1. Legal Information
1.1 Site Publisher
Company Name: BCGestion
Legal Form: Sole Proprietor
SIRET: 409 254 893
Address: Reims, France
Email: contact@multicalculettes.com
1.2 Hosting
Host: Netlify, Inc.
Address: 44 Montgomery Street, Suite 300, San Francisco, CA 94104, USA
2. Intellectual Property - Enhanced Protection
🔒 MAXIMUM PROTECTION CLAUSE
All content on Multicalculettes.com is protected by intellectual and industrial property rights. Any unauthorized use constitutes a violation and will be prosecuted.
2.1 Protected Content
The following are notably protected:
- Calculators and algorithms: All calculation formulas, algorithmic logic, and technical implementations
- Source code: All HTML, CSS, JavaScript, and other language code
- Design and interface: Visual structure, mockups, graphic design, icons
- Text content: All texts, descriptions, explanations, SEO articles
- Database: The data, coefficients, and data structures used
- Brand and name: "Multicalculettes" and its variants are registered trademarks
- Concept and methodology: The overall approach, structuring, and presentation of calculators
2.2 Copyright
In accordance with the Intellectual Property Code (articles L.111-1 and following), the entire Multicalculettes.com site is protected by copyright.
The author has an exclusive and enforceable incorporeal property right against all.
2.3 Strict Prohibitions
It is strictly forbidden, unless prior written permission from the publisher is obtained:
- ❌ To copy, reproduce, or duplicate all or part of the site
- ❌ To modify, adapt, or create derivative works
- ❌ To distribute, disseminate, or transmit the content
- ❌ To extract or reuse calculation formulas and algorithms
- ❌ To create a similar or competing site using our concepts
- ❌ To disassemble, decompile, or reverse engineer the code
- ❌ To use robots, scrapers, or automated tools to extract content
- ❌ To remove or hide copyright notices
2.4 Personal Use License
The user has only a personal, non-exclusive, non-transferable, and non-assignable right of use
limited to using the calculators for personal needs via the site interface.
2.5 Sanctions in Case of Violation
⚖️ LEGAL ACTIONS
Any violation of intellectual property rights will expose the offender to:
- Civil sanctions: Damages, seizure for infringement, injunction, penalty
- Criminal sanctions: Up to 3 years in prison and €300,000 fine (article L.335-2 of the IPC)
- Legal fees: Full reimbursement of attorney and procedural fees
The publisher reserves the right to initiate legal proceedings immediately without prior notice.
3. Use of Calculators - Responsibility
3.1 Nature of Results
📊 INDICATIVE ESTIMATES ONLY
The calculators provide simplified estimates for informational purposes only.
They do not constitute professional, financial, legal, tax, or medical advice in any way.
3.2 Limitations and Exclusions of Liability
The publisher cannot be held responsible for:
- Decisions made based on the results provided
- Financial losses, lost profits, or direct or indirect damages
- Errors, inaccuracies, or obsolescence of data
- Variations between estimates and reality
- Differences with official calculations from competent authorities
3.3 Verification Obligation
The user acknowledges that the results provided are approximate orders of magnitude and agrees to:
- ✓ Verify the results with qualified professionals
- ✓ Not rely solely on these estimates for important decisions
- ✓ Consult the relevant official sources (banks, administrations, etc.)
- ✓ Exercise discernment and critical thinking
3.4 Life Change Calculator - Specific Clauses
🌍 LIFE CHANGE CALCULATOR - SPECIAL WARNINGS
This calculator provides budget estimates for expatriation or life change projects.
Users expressly acknowledge that:
- Local Variability: Actual costs vary greatly depending on cities, neighborhoods, and personal situations
- Uncovered Aspects: Visa, work permits, international taxation, international health insurance, repatriation
- Financial Risks: Currency fluctuations, local inflation, economic crises
- Investments: The indicated returns are historical and theoretical, with no guarantee of future performance
- Health: Medical costs are approximate, and health systems vary significantly
- Legal Aspects: Each country has its own immigration, tax, and social rules
⚠️ This calculator does not replace expert advice (immigration lawyers,
financial advisors, international tax specialists, consular agents).
3.5 No Investment Advice
💰 INVESTMENT WARNING
Mentions of financial investments, returns, or investment strategies are provided for informational purposes only.
Multicalculettes.com is not a financial investment advisor (CIF) and holds no AMF accreditation
(Financial Markets Authority). Past performance does not predict future performance.
4. Personal Data and Privacy
4.1 No Data Collection
Calculations performed via our calculators are done locally in your browser.
No entered data is transmitted to our servers or stored.
4.2 Cookies and Analytics
The site uses Google Analytics and Google AdSense which may place cookies.
Please see our Privacy Policy for more information.
5. Advertising
The site displays advertisements via Google AdSense. The publisher does not control the content of the displayed advertisements.
In case of inappropriate advertising, please contact us.
6. Limitation of Warranty
The site is provided "as is" without any warranty of any kind. The publisher does not guarantee:
- The permanent availability of the service
- The absence of errors or bugs
- The accuracy or constant updating of data
- The compatibility with all browsers and devices
7. External Links
The site may contain links to external sites. The publisher exercises no control over these sites
and disclaims any responsibility for their content, availability, or practices.
8. Changes to the ToU
The publisher reserves the right to modify these ToU at any time.
Users are encouraged to review them regularly.
Continued use of the site after modification constitutes acceptance of the new ToU.
9. Applicable Law and Jurisdiction
These ToU are governed by French law.
In case of dispute, and failing amicable resolution, exclusive jurisdiction is granted to the courts of Reims, France.
10. Contact
For any questions regarding these ToU or requests for permission to use:
Email: contact@multicalculettes.com
✅ Acceptance of the ToU
By using Multicalculettes.com, you acknowledge that you have read, understood, and accepted all
of these Terms of Use, including the intellectual property clauses
and the limitations of liability.