Terms and calculator limitations
Educational use
Best Finance Calc provides planning estimates. It is not a lender, financial adviser, broker or bank. Results do not guarantee an offer, affordability, savings or a legal entitlement. Check the actual agreement and seek qualified assistance when the decision requires it.
Input and model responsibility
You choose the data, rate convention, period, payment changes and reserve. Currency selection does not perform foreign-exchange conversion. Country-specific tax rules, legal penalties, APR/CET and lender-specific allocation are not inferred.
Availability and saving
Studies saved in your browser may be lost if browser storage is cleared or the device changes. Keep a backup. The site may be updated or temporarily unavailable. Contact us if a calculation appears inconsistent.
Digital purchases, delivery and license
Paid products use Paddle checkout when available. Each editable workbook costs US$10; each Excel or CSV study export costs US$1.99. These are one-time purchases. After server confirmation, the file is available in the purchase dialog. Keep your receipt and purchase recovery file; repeat downloads are available for 30 days, with support at contato@diretorioai.com if access is lost. A study export contains the snapshot purchased, not later changes. Files are licensed to the buyer for personal or internal business use; editing is allowed, but resale, public redistribution and sharing the source file outside that use are not. Our Refund Policy provides a 14-day full-refund guarantee and preserves mandatory consumer rights.
Fair use and documented abuse
Our 14-day full-refund guarantee covers genuine dissatisfaction, including downloaded or opened files. Downloading, opening or requesting a refund does not by itself indicate abuse. We may verify the purchase and refer documented evidence of fraud, refund abuse or manipulation to Paddle for individual review under its Refund Policy. This is not an automatic denial and never overrides mandatory consumer rights. We do not require confidential study data to assess a request.
This clarification applies to purchases made after this version was published on 9 November 2026. Earlier purchases retain the policy and promises offered at purchase, including the previous unconditional 14-day guarantee.
If a refund is approved, the license for that purchase ends. Stop using the refunded file and delete your copies. Further downloads may be disabled; we cannot remotely erase a file already saved on your device.