Disclaimer

General information only

Everything published on ToolQivo — the tools, the numbers they return, the explanatory text around them — is provided for general information and convenience. It is not advice, and it is not a substitute for judgement about your own situation. You use the site and act on its output at your own discretion and your own risk.

Not professional advice

No page on this site creates a professional relationship of any kind between you and us. In particular:

• Health. The BMI, body fat, calorie, ideal weight, pregnancy due date and similar calculators apply published population formulas to the numbers you type in. They are screening indicators, not diagnoses. They do not know your medical history, body composition, medication or circumstances. Nothing here is medical advice — speak to a doctor or a registered dietitian before acting on a result, and never delay seeking medical help because of something a calculator said.
• Money. The loan, EMI, mortgage, interest, tax, salary, currency and investment calculators are arithmetic. They are not financial, tax, accounting or investment advice, they cannot see your full position, and they do not account for every rule, fee, rate change or local variation that applies to you. Confirm anything that matters with a qualified adviser or your lender before you commit.
• Law. Nothing on this site is legal advice, including the pages describing our own policies. If you have a legal question, ask a lawyer qualified in your jurisdiction.

Accuracy, and its limits

We build each tool carefully and check it against known values before it is published. We still cannot guarantee that every result is accurate, current or complete. Formulas differ between authorities, standards get revised, rounding choices change the last digit, and browsers do not all behave identically.

Currency rates, tax bands, unit definitions and anything else that changes over time may be out of date at the moment you read it. Treat a result as a starting point you can check, not as a figure to quote. If a tool gives you an answer you believe is wrong, please tell us — correctness reports are the highest priority we have, and our editorial policy explains how they are handled.

Your content is your responsibility

The tools process whatever you give them, on your own device, without inspecting it. You are responsible for having the right to process that content, for complying with any confidentiality obligation or data protection law that applies to it, and for checking the output before you use it. Because nothing is uploaded, we never see the input and cannot recover it for you — if a tool produces something you need, save it before you close the tab.

Availability and "as is"

The site is provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose or non-infringement. Tools may be changed, corrected or withdrawn without notice, and we do not promise uninterrupted access. The full contractual position is in the terms of service.

External links

Some pages link to other websites — a standards document, a reference table, a browser vendor's help page. Those sites are not under our control. A link is not an endorsement of the site, its content, its products or its privacy practices, and we accept no responsibility for what you find there. Read their own policies before you give them anything.

Advertising

This site carries third-party advertising, which is what keeps every tool free. Advertisements are selected by our advertising partner, not by us; their appearance on a page is not a recommendation, and we have no involvement in the products or claims they contain. Any dealing you have with an advertiser is between you and them. The full arrangement is described in our advertising disclosure.

Errors and omissions

Despite the checks described in our editorial policy, mistakes get through. If you find one — a wrong figure, a broken tool, a claim that is no longer true — write to toolqivo@gmail.com. We correct errors rather than quietly removing the page, and material corrections are noted on the page itself.

Limitation of liability

To the fullest extent permitted by law, ToolQivo is not liable for any loss or damage — including lost data, lost profit, lost savings or business interruption — arising from your use of, or inability to use, this site or anything obtained through it. Nothing in this disclaimer limits liability that cannot lawfully be limited, such as liability for death or personal injury caused by negligence, or for fraud.

Consent

By using ToolQivo you accept this disclaimer. If you do not accept it, please stop using the site. Questions go to toolqivo@gmail.com.