Terms of use

Scope

RATIOXA is a private, non-commercial information and scenario-calculation project. Use is free and does not create an advisory, brokerage or contractual relationship.

Your inputs and responsibility

You remain responsible for the accuracy, suitability and lawful use of inputs, assumptions, exports and shared links. Verify offers, contracts, tax treatment and eligibility with the appropriate source or professional.

Availability and errors

No uninterrupted availability or error-free result is promised. Formula errors, source changes and outdated assumptions may be corrected transparently.

No professional advice

Content is not financial, investment, credit, legal, tax, energy or property advice and cannot replace a personal suitability or affordability assessment.

Intellectual property and links

RATIOXA content may be used for personal decisions. Reproduction beyond statutory permissions requires consent. External sources remain the responsibility of their operators.