Terms of Use

Using the service

VELNARO is free to use for personal and commercial purposes. You may use the tools, share links to them, and quote the results. You may not attempt to disrupt the service, scrape it in a way that degrades it for others, or present VELNARO results as your own professional advice.

• Do not attempt to gain unauthorised access to any part of the service.
• Do not use automated systems in a way that overloads the site.
• Do not copy substantial parts of the site’s content and republish it as your own.

Results are informational

Every tool is built to be accurate and shows its formula and working so you can check it. Even so, results are provided for general information, without warranty of any kind. You are responsible for how you use them.

Before relying on a result for anything significant — a tax filing, a loan decision, a medical or legal matter, a contractual deadline — verify it independently and, where appropriate, take advice from a qualified professional.

Health information

Health and fitness calculators on VELNARO are informational tools. They are not a diagnosis, they do not constitute medical advice, and they cannot account for your full medical history. Speak to a doctor or other qualified clinician before making changes to your diet, exercise, medication or treatment.

Financial and tax information

Finance and business calculators model standard formulas using the assumptions stated on each page. Tax rules, interest calculations and employment law vary by jurisdiction and change over time; where a tool requires country-specific tables, it says so and expects you to supply the rate. Confirm figures with your lender, accountant or revenue authority before acting.

Currency exchange rates

Exchange rates are sourced from a public third-party provider, refreshed periodically and shown with a timestamp. They are mid-market reference rates for information only. Your bank or money transfer service will apply its own margin and fees.

Advertising

The service is supported by advertising. Advertisements are labelled, kept away from input controls, and the site remains fully functional with ad blockers enabled. We do not place adverts in a way designed to cause accidental clicks.

Intellectual property

The VELNARO name, logo, design, code and written content belong to VELNARO unless stated otherwise. Tool interfaces and page text may not be copied wholesale. Individual calculation results are yours to use freely.

Availability

We aim to keep VELNARO available and fast, but we do not promise uninterrupted service. Tools may change, improve or occasionally be withdrawn. Because most tools run in your browser, many continue to work even if our servers do not.

Liability

To the fullest extent permitted by law, VELNARO is not liable for any loss arising from use of, or reliance on, the site or its results. Nothing in these terms limits liability that cannot legally be limited.

Changes and contact

We may update these terms; the date above reflects the current version. Questions about these terms can be sent to hello@velnaro.com.