Terms of Use

1. Who provides this site

• Operator: Wágner Marcell Péter e.v., a sole proprietor
• Address: 1221 Budapest, Kiránduló utca 84., Hungary
• Registration number: 62105884 (Egyéni Vállalkozók Nyilvántartása, kept by the Nemzeti Adó- és Vámhivatal)
• VAT / tax number: 91918246-1-43
• Contact: contact page

2. Using the tools

Cleverlio’s tools are free to use for personal and business purposes. No account is required. By using the site, you agree to these terms.

3. Estimates, not advice

The calculators produce estimates from the numbers you enter and the formulas shown on each page. They support your own decisions; they are not financial, tax, legal or investment advice, and a result may not suit your situation. Check important decisions with a qualified professional.

4. Acceptable use

Please do not misuse the site — for example by attempting to disrupt it, scraping it at a volume that affects other visitors, or copying it in bulk to republish as your own.

5. Our content

The site’s text, design and code belong to the operator. You are welcome to link to any page and to quote short excerpts with a link back.

6. Availability and changes

We may update, add or remove tools at any time, and we may update these terms. The date at the top shows when they last changed.

7. Liability

The tools are provided as they are. We are not liable for decisions made or losses incurred based on their results, except where the law does not allow liability to be limited.

8. Governing law

These terms are governed by Hungarian law, and the competent Hungarian courts have jurisdiction. If you use the site as a consumer, this does not take away the protection of the mandatory consumer laws of the country where you live, or your right to bring proceedings where the applicable jurisdiction rules allow.