Terms of Use

1. Acceptance of Terms

By accessing and using this site, you accept and agree to be bound by the terms and conditions contained in this agreement. If you do not agree with any part of these terms, you should not use our site.

2. Use of Service

The financial calculators are provided free of charge for educational and personal planning purposes. You agree to:

• Use the tools only for legal and legitimate purposes
• Not attempt to compromise the security or functionality of the site
• Not use automated tools to access the site abusively
• Not copy or reproduce content without permission

3. Nature of Information

The calculators provide estimates and projections based on the data you enter. It is important to understand that:

• Results are simulations only and not guarantees
• Actual investments may perform differently than projections
• Past performance does not guarantee future results
• You should consult a financial professional for important decisions

4. Disclaimer

This site and all tools are provided "as is", without warranties of any kind. We are not responsible for:

• Financial decisions made based on the calculators
• Financial losses resulting from use of the tools
• Errors or inaccuracies in calculations (although we do our best to avoid them)
• Service interruptions or unavailability

5. We Are Not Financial Advisors

The tools on this site are for educational and informational purposes only. We do not provide:

• Personalized financial advice
• Specific investment recommendations
• Tax or accounting advice
• Legal guidance

Always consult a qualified professional before making important financial decisions.

6. Calculation Accuracy

We do our best to ensure all formulas and calculations are accurate. However, we cannot guarantee they are 100% error-free. Use the tools as a reference, but always verify critical information.

7. Intellectual Property

All content on this site, including text, designs, code, and graphics, is protected by copyright. You may use the calculators freely, but you may not copy, distribute, or modify the site without permission.

8. Service Modifications

We reserve the right to modify, suspend, or discontinue any part of the site at any time, without prior notice. We will not be responsible for any modification, suspension, or discontinuation of the service.

9. Limitation of Liability

Under no circumstances will we be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use this site.

10. Applicable Law

These terms are governed by the laws of Brazil. Any dispute related to these terms will be resolved in the competent Brazilian courts.

11. Changes to Terms

We may update these Terms of Use periodically. Significant changes will be communicated on the site. Continued use of the site after changes constitutes acceptance of the new terms.

12. Contact

If you have questions about these Terms of Use, contact us through the project's GitHub repository.