Terms of use

Free for personal use

Anyone may use the tools free of charge for personal, non-commercial use: no account, no payment, no ads.

Commercial use, or use inside another product, needs a licence. Write to .

Information, not advice

General information based on historical data. It is not personalised financial advice, nor a recommendation to buy.

The tools do not know your whole situation. For a big decision, you could talk to an authorised financial adviser.

No guarantee

Every figure is an estimate. The past does not promise the future, and figures can be rough, out of date or wrong.

The tools are offered as they are. As far as the law allows, Horalis is not liable for losses or decisions based on them.

Other people's data

The data belongs to its sources, which keep their rights. Each one is named, with its licence, beside its figures and on the methodology page.

Copies and mirrors

Copies and mirrors are allowed only unmodified. Anyone can check one against the SHA-256 fingerprints shown beside the version on the front page.

Law

These terms are governed by Dutch law. They may change: the date below says when they last did.