Last Updated: February 2026
These Terms of Service ("Terms") govern your access to and use of the website located at www.calculusresearch.io (the "Site"), operated by Calculus ("we," "us," or "our"). Please read these Terms carefully before using the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.
By accessing, browsing, or otherwise using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Site following the posting of any changes constitutes acceptance of those changes. It is your responsibility to review these Terms periodically for updates.
This Site serves as an informational platform for the Calculus finance platform, which encompasses private credit, direct lending, AI-powered research and analytics, and asset management services. The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes a solicitation, recommendation, endorsement, or offer by Calculus to buy or sell any securities, financial products, or investment services.
Nothing contained on this Site shall be construed as an offer to sell, or a solicitation of an offer to buy, any security or any other financial instrument. No offer or solicitation will be made in any jurisdiction in which such offer or solicitation would be unlawful. Any investment-related information presented on this Site is provided solely for informational purposes and should not be relied upon in making any investment decision. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results.
The information provided on this Site is for general informational purposes only and does not constitute personalized investment, financial, legal, or tax advice. Calculus is not a registered investment adviser, broker-dealer, or financial planner. You should consult with qualified professionals before making any financial or investment decisions. We do not make any representations or warranties regarding the suitability of any investment, strategy, or course of action for any particular individual or entity.
All lending products and services described on this Site are subject to the following conditions:
Certain investment products and asset management services offered through Calculus Management are available exclusively to accredited investors as defined under the Securities and Exchange Commission (SEC) Regulation D. By expressing interest in such products, you represent and warrant that you meet the accredited investor criteria as defined by the SEC. Calculus reserves the right to request documentation verifying your accredited investor status prior to providing access to any restricted investment opportunities.
All content on this Site, including but not limited to text, graphics, logos, images, icons, software, data compilations, and the design, selection, and arrangement thereof, is the exclusive property of Calculus or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any of the material on this Site without the prior written consent of Calculus, except for your personal, non-commercial use.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CALCULUS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO:
The Site and all content, materials, information, and services provided on the Site are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Calculus disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
You agree to indemnify, defend, and hold harmless Calculus and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
The Site may contain links to third-party websites or services that are not owned or controlled by Calculus. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Calculus shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods, or services available on or through any such third-party websites or services.
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the state and federal courts located in the Commonwealth of Massachusetts for the resolution of any disputes arising out of or relating to these Terms or your use of the Site.
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.
If you have any questions or concerns about these Terms of Service, please contact us at: