This policy applies to Jivaro-operated services that link to it. A product, store, service, or venture policy controls when it addresses the same subject more specifically.
Information, not individualized advice
Money-related pages, examples, calculators, news, and tools are for general education and planning. They do not consider a specific person's full finances, objectives, risk tolerance, debts, tax position, legal obligations, or eligibility.
Nothing on a Jivaro or Nortune page is an offer, solicitation, recommendation, guarantee, or instruction to buy, sell, borrow, refinance, open an account, or choose a particular strategy.
Calculations and assumptions
Calculator results depend entirely on the information and assumptions entered. Estimates may exclude taxes, fees, penalties, compounding conventions, changing rates, minimum-payment rules, market movements, insurance, or institution-specific terms.
Users should verify important results independently and review the official agreement or disclosure from the relevant financial institution.
Risk and changing information
Consult an appropriately qualified professional when a decision is significant or depends on personal tax, legal, credit, or investment circumstances.
- Investments can lose value, including principal.
- Past performance and historical examples do not predict future results.
- Rates, laws, tax rules, credit models, prices, and product terms can change without notice.
- Third-party products may be unavailable or unsuitable in a user's jurisdiction.
- General educational material cannot identify every risk or exception.
Third parties and emergencies
Links to banks, brokers, lenders, data services, or other providers do not make Jivaro responsible for their licensing, solvency, security, suitability, pricing, or conduct. Users should confirm the provider and destination before sharing information or money.
If fraud, identity theft, imminent foreclosure, or another urgent issue is involved, contact the relevant institution and appropriate government or emergency resources directly rather than waiting for a response from Jivaro.
Contact and updates
Questions about this policy can be sent through the official contact form. Security reports and corrections should use their dedicated categories. Jivaro may update this policy prospectively when operations, law, or services change; the effective and review dates identify the published version.