Terms of Use

These terms govern your use of FinanceTools.io. They are written in plain language; if anything is unclear, contact us.

Operator

FinanceTools.io is operated by Santorelli Studio (ED Santorelli Gráfica e Editora ME). Throughout these terms, "we", "us" and "FinanceTools.io" refer to the operator.

Acceptance

By accessing or using FinanceTools.io you agree to these terms. If you do not agree, please do not use the site.

Educational use — no advice

The tools and content on this site are educational estimates. They are not financial, investment, tax or legal advice, and they do not take your personal situation into account. Verify any result before acting on it.

No warranty — use at your own risk

The site is provided "as is" and "as available". We make no guarantee that the tools, calculations or market data are accurate, complete, available or fit for any purpose. You are responsible for your own decisions and for checking anything that matters to you.

Affiliate links

Some outbound links are affiliate links; when they are, we disclose it. Affiliate relationships never affect tool results. Third-party websites have their own terms and privacy policies, which apply once you leave FinanceTools.io.

Acceptable use

You agree not to misuse the site: do not attempt to disrupt or overload it, do not scrape it excessively, and do not use it for any unlawful purpose.

Intellectual property

The content, design and tools on this site are the property of the operator and are protected by applicable law. You may use them for personal, non-commercial purposes. You may not reproduce the site or its tools as a competing service.

Limitation of liability

To the maximum extent permitted by law, the operator is not liable for any losses or damages arising from your use of the tools, content or data on this site.

Changes

We may update these terms from time to time. Continued use of the site after a change means you accept the updated terms.

Contact

Questions about these terms: contato@santorellistudio.com (Santorelli Studio).

Governing law

These terms are governed by the laws of the jurisdiction in which the operator is established (Brazil).