1. Acceptance of the terms
By accessing and using K4invest, you agree to these terms and conditions. If you do not agree, you should not use the website.
2. Description of the service
K4invest provides free financial calculators and educational content, including mortgage, compound interest, savings goal, monthly expense and inflation calculators, other financial tools and articles about finance.
3. Use of the website
You may perform personal financial calculations, read educational content, share links to our tools and use results to inform personal decisions.
You may not use the site for illegal or fraudulent activity, spam or malicious content, unauthorized system access, unauthorized copying or reproduction, or interference with site operations.
4. Accuracy of information
The calculators and tools are for information and education. Results are estimates and do not constitute professional financial advice.
Results depend on your inputs, do not consider every factor affecting your circumstances, cannot replace a financial professional and may contain errors or technical limitations. Consult a qualified financial adviser, verify calculations with additional sources, consider your own circumstances and compare results using multiple tools.
5. Intellectual property
Website content, including text, graphics, logos, source code and design, is protected by copyright and other intellectual property laws.
You may view and use content personally, share links to our pages and quote content with appropriate attribution. You may not copy or redistribute content without authorization, use it for commercial purposes, or modify it or create derivative works.
6. Advertising, partnerships and third-party content
Google AdSense
The website displays Google AdSense advertisements. We do not control their content and are not responsible for advertised products or services.
Commercial partnerships
K4invest may display clearly identified commercial partnerships. We may receive a commission if you follow a link to a partner such as Saily or NordVPN and complete a qualifying purchase, without increasing your price. These partnerships do not determine our editorial content and do not constitute financial advice.
External links
We may link to third-party websites. We are not responsible for their content or privacy practices.
7. Privacy and data
Personal data use is governed by our Privacy Policy and Cookie Policy. Calculator inputs are processed locally. We do not permanently store your calculations or share the results with third parties.
8. Limitation of liability
K4invest will not be liable for direct, indirect, incidental or consequential damage resulting from use of our tools or content.
We are not responsible for financial decisions based on the calculators, financial losses arising from site use, calculation or content errors, service interruptions, or damage caused by viruses or malware.
9. Service availability
We aim to keep the site available but do not guarantee uninterrupted service. We may suspend or modify the service at any time without prior notice.
10. Changes
We reserve the right to modify these terms at any time. Changes take effect immediately upon publication on the website.
11. Applicable law
These terms are governed by Spanish law. Disputes will be resolved by the competent courts of Madrid, Spain.
12. Contact
For questions, contact legal@k4invest.com, with the subject “Terms and Conditions enquiry”. Our tools are informational; consult a qualified financial adviser who can assess your circumstances for important financial decisions.