Terms and Conditions

1. Scope

These Terms and Conditions apply to the use of this website and all tools, calculators, and content provided on it. By using this website, you agree to these terms and the provisions of our Privacy Policy.

2. Informational Use Only

All calculators, tools, and information on this website are provided for general informational purposes only. The results generated by the calculators are estimates and may not be accurate, complete, or suitable for your specific situation.

3. No Warranty

This website and its content are provided “as is” and “as available”, without warranties of any kind, whether express or implied. We do not guarantee the accuracy, reliability, availability, or completeness of any results or content.

4. No Liability

The use of this website and its calculators is entirely at your own risk. The website operator shall not be liable for any direct or indirect damages, losses, or consequences arising from the use of or reliance on any information or calculation results provided on this website.

5. No Professional Advice

The content and calculations provided on this website do not constitute professional, financial, medical, legal, or other advice. You should not rely on the results as a substitute for professional consultation.

6. Intellectual Property

All content, source code, design, and functionality of this website are the intellectual property of the website operator, unless explicitly stated otherwise.

The website and its calculators are not open source. Any reproduction, redistribution, modification, reverse engineering, or commercial use without prior written permission is prohibited.

7. Availability

We reserve the right to modify, suspend, or discontinue any part of the website or its tools at any time without prior notice. We do not guarantee uninterrupted or error-free operation.

8. External Links

This website may contain links to external websites. We have no control over the content of those websites and assume no responsibility for their content or practices.

9. Governing Law

These Terms and Conditions are governed by the laws applicable to the place of operation of the website operator, unless mandatory legal provisions provide otherwise. Information about the website operator can be found in the Imprint.

10. Changes to These Terms

We reserve the right to update or change these Terms and Conditions at any time. The version published on this page is always the current and applicable version.