Terms and disclaimer
Last updated:
These terms govern your use of Kalkulo.eu, published by Cosmic Production d.o.o. By using the site, you agree to use the calculators and explanatory content as informational tools and to verify important decisions with the relevant authority or a qualified professional.
Informational use only
Kalkulo calculators provide estimates for general information. They do not constitute tax, legal, accounting, mortgage, investment or financial advice, and they are not a substitute for a qualified professional or the relevant official authority.
A calculator result can differ from an official assessment or provider quote because of timing, rounding, regional rules, personal circumstances, deductions, exemptions, exchange-rate treatment, manual adjustments or facts that the simplified form does not ask for. Do not rely on Kalkulo as the only basis for filing a return, signing a loan agreement, setting payroll, making an investment decision or resolving a legal dispute.
No guarantee
We work to keep formulas and source inputs current, but rules can change and individual facts can materially alter a result. Always verify important decisions with official sources or a professional adviser.
We do not warrant that the site will be uninterrupted, error-free or suitable for every individual situation. To the maximum extent permitted by law, Cosmic Production d.o.o. is not liable for losses arising from reliance on calculator outputs, explanatory content, links, advertising or third-party services.
Acceptable use
- You may use the calculators for personal, educational and business planning purposes.
- You may link to calculator pages, provided the link does not misrepresent Kalkulo or its results.
- You may not interfere with the site, attempt unauthorized access, or use automated requests in a way that degrades service.
- You may not copy, resell or systematically republish the site content or calculator logic without permission.
Sources and third-party links
Kalkulo links to official sources and third-party websites for context. Those websites are controlled by their own operators, not by us. We are not responsible for their availability, content, privacy practices or any changes they make after we cite them.
Advertising
Kalkulo may be funded by advertising. Ads do not change calculator formulas, editorial source checks or displayed assumptions.
Advertising and analytics are handled according to the consent choices described in our privacy policy. If comparison pages are launched in the future, they should identify their assumptions and provider data separately from calculator estimates.
Changes and contact
We may update these terms when the site, law, advertising setup or calculator coverage changes. The date above shows the current version. Questions about these terms can be sent to [email protected].