Disclaimer

1. General Notice

Summatio provides free online calculators for finance, taxes, real estate, and related topics. The calculations and information provided are for general informational purposes and non-binding orientation only. They do not constitute individual advice and are not a substitute for professional consultation.

2. No Financial, Tax, or Legal Advice

The calculators and information offered on this website expressly DO NOT constitute financial advice, tax advice, investment advice, or legal advice. No advisory relationship is established through the use of these calculators. They do not replace consultation with a tax advisor, financial advisor, certified public accountant, or attorney. They do not take into account your individual circumstances, objectives, or risk tolerance. The operator is not a licensed financial services provider, tax advisor, or attorney.

3. No Warranty of Accuracy

Despite careful preparation, the operator assumes NO WARRANTY and NO LIABILITY for the accuracy, completeness, or timeliness of the calculations and information provided. This applies in particular to errors in calculation logic, rounding differences, applicability to your individual case, and damages arising from the use of the results.

4. Tax Data and Legislative Changes

Tax rates, exemptions, contribution limits, and other values are updated annually. However, changes to the legal framework may occur at any time. The applicable legal regulations and determinations by the competent tax authorities are always authoritative. Current data status: 2026.

5. United States Tax Disclaimer

US tax calculations DO NOT account for all aspects of the Internal Revenue Code (IRC). State taxes, Alternative Minimum Tax (AMT), tax credits, and other provisions are presented in simplified form only. These calculators are NOT suitable for the preparation of Form 1040 or any other tax return. They are NOT a substitute for a Certified Public Accountant (CPA) or Enrolled Agent (EA). The operator is not registered with the IRS and does not provide tax preparation services. The operator assumes no liability for tax assessments, penalties, or interest resulting from the use of these calculators.

6. United Kingdom Tax Disclaimer

UK tax calculations are simplified and do not account for all aspects of HMRC regulations. They are NOT a substitute for a Chartered Accountant or Chartered Tax Adviser. The operator assumes no liability for tax assessments resulting from the use of these calculators.

7. German Tax Disclaimer (§ 5 StBerG)

The operator does not provide professional assistance in tax matters (keine geschaeftsmaessige Hilfeleistung in Steuersachen) within the meaning of Section 5 of the German Tax Advisory Act (Steuerberatungsgesetz). The calculators are general-purpose tools and do not constitute tax advice.

8. Use at Your Own Risk

THE CALCULATORS AND INFORMATION ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, the operator shall not be liable for any direct, indirect, incidental, consequential, or special damages, including but not limited to financial losses, lost profits, tax assessments, penalties, or erroneous decisions arising from the use of the calculations provided.

9. Data Processing

All calculations run 100% client-side in your browser. No financial data is transmitted to or stored on any server. The operator has no access to the data you enter. For more information, see our Privacy Policy.

10. No Investment Recommendation

The calculators and information do not constitute a recommendation to buy, sell, or hold any financial products, securities, or real estate. Past returns and historical data are no guarantee of future results. Any investment decision should be made on the basis of individual professional advice.

11. Third-Party Links

This website may contain links to external websites. The operator assumes no responsibility for the content of external sites.

12. Changes Reserved

The operator reserves the right to modify this disclaimer at any time without prior notice.

13. Severability

If any provision of this disclaimer is found to be invalid, the remaining provisions shall remain in full force and effect.

14. Governing Law

This disclaimer is governed by the laws of the Federal Republic of Germany. EU consumer protection regulations apply. For EU consumers, the courts of the consumer's place of residence shall have jurisdiction.