Terms of Use — centav.io

These Terms of Use govern your access to and use of the centav.io website and its calculators. By using the site, you agree to these terms.

1. Acceptance of terms

By accessing or using centav.io, you agree to these Terms of Use and to the Privacy Policy. If you do not agree, do not use the site.

2. The service

centav.io provides deterministic financial calculators that run in your browser (client-side), free of charge and without sign-up. Results are for informational and educational purposes.

3. Acceptable use

You agree to use the site only for lawful purposes and not to:

attempt to compromise the security, integrity or availability of the service;
collect data through automated means that overload the infrastructure;
reproduce or redistribute the content in a way that infringes third-party rights.

4. No warranties

The service is provided "as is" and "as available", without warranties of any kind. The calculators follow public formulas and the official sources cited, but they do not replace professional accounting, legal, tax or financial advice. Verify results before making decisions.

5. Limitation of liability

To the maximum extent permitted by law, centav.io and EVOLVETI LTDA are not liable for any loss or damage arising from the use of, or inability to use, the site, nor for decisions made on the basis of the tools' results.

6. Intellectual property

The centav.io brand, design, content and code are protected by intellectual property rights. Personal, non-commercial use of the calculators is permitted; reproduction or redistribution of the content requires prior authorization.

7. Changes, governing law and contact

We may update these Terms at any time; the last-updated date is shown at the top. These Terms are governed by the laws of Brazil. For questions, contact [email protected]; for personal-data matters, see the Privacy Policy.