Terms of Use

1. What this service is

ohformation is a free collection of calculators. Anyone may use it without registering.

2. Results are estimates

Results and explanations are estimates based on standard formulas and publicly available rules. They are not legal, tax, employment or investment advice.

Actual figures may differ because of your contract, local regulations, rule changes, or circumstances the calculator does not model. Where a definitive figure matters, confirm it with the relevant institution or a qualified professional.

3. Limitation of liability

We do not warrant that results are accurate or complete, and we are not liable for decisions made in reliance on them or for any resulting loss.

That said, if you report an error we will check it and fix it.

4. Changes to the service

We may add, change or remove calculators, or discontinue the service, without prior notice.

5. Prohibited use

• Placing excessive load on the site through automated means
• Reproducing and redistributing content from the site without permission
• Interfering with the normal operation of the service

6. Copyright

The explanatory text and page design are our copyright. The formulas and public rules the calculations rest on are not subject to copyright.

7. Advertising

Pages carry advertising served by third parties. We are not responsible for the content of those ads or for any dealings with the advertisers.

8. Changes to these terms

Any change will be posted on this page together with its effective date.