Scope and limitations.

1. Purpose

The calculators provide reference estimates and do not replace personalised legal, tax, insurance, credit or investment advice.

2. Entered information

No sign-in is required to use the calculators. Do not enter names, identity-document numbers, account numbers or other identifying information into calculation fields.

3. Accuracy

Users should check contracts, records, contribution history and the latest legal texts. Official results may differ because of rounding, individual records or specialist rules.

4. Loans and investments

Interest and inflation rates are user-entered assumptions. Results are not credit quotations, return guarantees or recommendations to buy or sell financial products.

5. Traffic analytics

The website uses Vercel Web Analytics for aggregate metrics such as visits, pages viewed, referrers, countries and device types. The website does not send the values entered in calculator fields as custom analytics events.