Terms of Service

These Terms of Service ("Terms") are a legally binding agreement between you and Codevera Labs Ltd, a company registered in Malta under number C 116774 with its registered address at 86, Triq il-Merkanti, Valletta VLT 1177, Malta ("Codevera Labs", "we", "us"). Codevera Labs Ltd owns and operates the Malta Calculator website at maltacalculator.com and its related services (the "Service"). When you buy a subscription, your contract is with Codevera Labs Ltd.

By accessing and using the Service, you accept and agree to be bound by these Terms, our Privacy Policy and our Refund Policy. If you do not agree, you must not access or use the Service.

🇲🇹 Malti: Meta taċċessa u tuża l-websajt Malta Calculator, taċċetta u taqbel li tkun marbut b'dawn it-Termini ta' Servizz.

Malta Calculator provides free online tools for calculating financial, tax, and employment-related matters specific to Malta. All calculators are free to use and do not require an account, including:

• Salary & Tax: Net salary, income tax, SSC contributions
• Vehicle: VRT, road license, driver license fees
• Property: Stamp duty, rental tax, first-time buyer exemptions
• Employment: Notice period, vacation, overtime, sick leave
• Banking: Mortgage, personal loan, savings interest
• Benefits: Children's allowance, in-work benefit, childcare

All calculations are for informational purposes only and should not be relied upon for official purposes.

2.1 Free and paid features

The only paid part of the Service is the payroll and payslip software for businesses (employee records, payslip generation, bulk payslips, the PDF archive and the employee portal). It is available on a free starter plan with usage limits and on paid subscription plans described on our Pricing page. We never charge for the public calculators or guides.

2.2 Google Sign-In Authentication

• Plans and prices. Paid plans are Starter (€15 per month or €150 per year, up to 5 active employees) and Business (€15 per month for the first 5 active employees, plus €2.50 per additional active employee per month), billed in euro. Existing Basic and Pro subscriptions continue on their original terms. Prices exclude VAT. Maltese VAT (18%) is added at checkout where applicable. The features and limits of each plan are listed on the Pricing page and shown again before you pay.
• Payment. Payments are processed by Stripe Payments Europe, Ltd. We do not see or store your full card details.
• Free trial. New subscriptions start with a 30-day free trial. No card is needed; if no card is added before the trial ends, the subscription ends and the account moves to the free plan.
• Automatic renewal. Subscriptions renew automatically at the end of each billing period (monthly or yearly) and the card on file is charged, until you cancel. On the Business plan, adding or archiving employees changes the amount from the next invoice, prorated.
• Price changes. We will email you at least 30 days before any price change takes effect. You can cancel before then if you do not accept the new price.
• Failed payments. If a renewal payment fails, Stripe will retry the charge and we will email you. If the payment still cannot be collected, your account moves to the free plan. Your existing payslips and employee records are kept.
• Your responsibilities. You are responsible for the accuracy of the employee and salary data you enter and for checking payslips before issuing them. Payslip figures are produced from the official rates we publish but do not replace professional payroll or tax advice.

• You can cancel at any time from Settings → Plan & billing → Manage subscription. Cancellation takes effect at the end of the current billing period. You keep paid features until then and are not charged again.
• If you request it within 14 days of your first subscription payment, we refund that payment in full.
• After that, payments are non-refundable and we do not give partial refunds for unused time, except where the law requires it or the Service was unavailable because of our fault.
• To request a refund, email [email protected] from the email address on your account. Approved refunds are issued to the original payment method within 5 business days. Your bank may take a further 5 to 10 business days to show the credit.

Full details are in our Refund & Cancellation Policy, which forms part of these Terms.

Deleting your account: you can delete your company account at any time from Settings → Delete account. Your subscription is cancelled immediately and all payroll data is permanently deleted after a 30-day grace period, as described in our Data Processing Agreement. Deleting does not by itself give a refund of the current period. When you use the payroll features, the DPA forms part of these Terms.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND.

• Calculations may not always be accurate, complete, or up-to-date
• Tax rates and regulations are subject to change by the Government of Malta
• We cannot guarantee real-time accuracy
• Always verify critical calculations with official sources (MTCA, Transport Malta, DIER)

Codevera Labs Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including:

• Loss of profits, revenue, or business opportunities
• Financial losses resulting from reliance on calculations
• Incorrect tax filings, penalties, or interest charges
• Decisions made based on Service outputs

All content, features, design elements, and intellectual property on the Service are owned by Codevera Labs Ltd and protected by copyright laws.

Permitted: Personal, non-commercial use; sharing links; printing results for personal use.

Not Permitted: Copying, modifying, distributing, or selling any part of the Service without permission.

The Service contains links to third-party websites including official government resources:

• Malta Tax and Customs Administration (MTCA) - mtca.gov.mt
• Transport Malta - transport.gov.mt
• DIER - dier.gov.mt
• Social Security Department - socialsecurity.gov.mt

We are not responsible for the content or practices of third-party websites.

These Terms are governed by and construed in accordance with the laws of Malta. Any disputes shall be subject to the exclusive jurisdiction of the courts of Malta.

🇲🇹 Malti: Dawn it-Termini huma ggvernati mil-liġijiet ta' Malta. Kwalunkwe tilwima tkun soġġetta għall-ġurisdizzjoni esklużiva tal-qrati ta' Malta.