Terms & Disclaimer

Everything on Xearno Tools is provided for general information and education only. The calculators, benchmarks, and commentary are not financial, investment, tax, accounting, or legal advice, and using them does not create any advisory or professional relationship.

Your situation is specific and the tools are general. Before making a decision — a loan, an investment, a tax filing, a pricing change — consult a qualified professional who knows your circumstances.

Results are estimates produced by simplified models. Each tool states its formula, assumptions, and what it deliberately excludes; real outcomes depend on details the tool does not capture (fees, credits, eligibility, rounding, timing, and changing rules).

Tax brackets, rates, and reference data reflect the year and source stated on each tool and may be out of date, simplified, or wrong for your jurisdiction. Currency and other live figures are indicative reference rates, not dealable prices.

Xearno Tools is provided “as is,” without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, or availability. To the fullest extent permitted by law, Xearno and its makers are not liable for any loss or damage arising from your use of, or reliance on, the site or its results.

The tools, API, and MCP server are offered free for lawful use. Don’t use them to break the law, misrepresent the results as professional advice, or place a load that harms the service for others. We may change, limit, or withdraw any part of the service at any time.

Some tools use third-party reference data (for example, European Central Bank exchange rates via Frankfurter). That data belongs to its sources and is used under their terms; we make no claim to it and give no warranty over it.

These terms may change as the service evolves; continued use means you accept the current version. Questions go to the team behind the Xearno app. See also our privacy note.