Terms of Use

Last updated: 2026-08-12

By using Vicaya, you agree to these terms. If you do not agree, do not use the site.

Educational tools only

Vicaya calculators give educational estimates. Each result comes from the values you enter and the assumptions printed on the page. Nothing here is financial, legal, tax, or investment advice. Nothing here is a loan offer, a pre-approval, or a credit decision from any lender, and Vicaya is not a lender or a broker.

No warranty

The site and its calculators are provided "as is," with no warranty of any kind, express or implied. That includes accuracy, completeness, and fitness for a particular purpose. Each calculator prints the formula it uses. Check any result independently before acting on it, and check it with a licensed professional before a large financial decision.

Limitation of liability

To the fullest extent the law allows, Vicaya and its operators are not liable for any loss or damage that comes from using this site or its calculators, or from relying on a result.

Acceptable use

Use the site for personal, non-commercial estimates. Do not use it to break the law, do not try to disrupt the service, and do not repurpose the content for anything else.

Changes

These terms and the site may change at any time. Using the site after a change means you accept the updated terms.