Last Updated: September 13, 2026
Welcome to CyberTivo. This Disclaimer explains the limitations and conditions that apply when you use our website, online calculators, tools, articles, guides, and other content available through CyberTivo.
By using this website, you acknowledge that you have read and understood this Disclaimer. If you do not agree with these terms, please discontinue use of the website and its tools.
1. General Information
CyberTivo provides online calculators and informational resources designed to make everyday calculations easier to understand.
Our calculators may cover areas such as:
Mortgage and loan calculations
Investment and savings calculations
Compound interest
BMI and BMR
Financial estimates
Mathematical calculations
Other general-purpose calculations
The information and results provided by CyberTivo are intended for general informational, educational, and illustrative purposes only. Calculator results should not automatically be considered official, guaranteed, or professionally verified figures.
2. Calculator Results and Accuracy
We make reasonable efforts to ensure that our calculators use appropriate formulas and provide useful results. However, we cannot guarantee that every calculation or result will always be completely accurate, current, or free from errors.
Results may depend on:
The information entered by the user;
The calculation method or formula used;
Rounding and assumptions;
Current interest rates or other changing information;
Changes in laws, regulations, or standards; and
Technical or software-related issues.
For important decisions, you should independently verify calculator results using reliable sources or seek advice from a qualified professional.
3. Financial and Investment Disclaimer
Some CyberTivo tools provide calculations related to mortgages, loans, interest, investments, savings, or other financial matters.
These calculators are provided for general information and estimation purposes. They do not constitute financial, investment, accounting, tax, or legal advice.
Actual financial results may differ from calculator estimates because of factors such as interest rates, fees, taxes, lender requirements, market conditions, investment performance, and individual circumstances.
Before making an important financial or investment decision, consider consulting a qualified financial adviser, accountant, tax professional, or other appropriate professional.
4. Mortgage and Loan Calculations
Our mortgage and loan calculators can help users estimate potential monthly payments, interest costs, and other loan-related figures.
These results are estimates only. Actual mortgage or loan payments may include additional costs such as taxes, insurance, lender fees, closing costs, or other charges that may not be included in a particular calculation.
A calculator result should therefore not be treated as a loan offer, approval, or guarantee from a lender.
5. Health and Fitness Calculators
CyberTivo may provide health-related calculators, including BMI and BMR calculators.
These tools are intended for general informational and educational purposes. They are not designed to diagnose, treat, prevent, or cure any medical condition and should not be considered medical advice.
Health calculations may not account for every aspect of an individual’s health, body composition, lifestyle, or medical history.
If you have questions or concerns about your health, nutrition, weight, exercise, or medical condition, consult an appropriately qualified healthcare professional.
6. No Professional Advice
Using CyberTivo does not create a professional-client relationship between you and CyberTivo, its owners, contributors, writers, or other associated parties.
Our calculators and articles are designed to provide general information and estimates. They are not a substitute for personalised advice from a qualified professional.
7. Changing Information
Some calculations and articles may rely on information that can change over time, including:
Interest rates
Tax rates and thresholds
Government policies
Financial rules
Economic conditions
Measurement standards
Other publicly available information
We may update our tools and content when appropriate, but there may be a delay between a change occurring and the corresponding information being updated on CyberTivo.
Users should check current information from relevant official or professional sources when accuracy is important.
8. User Responsibility
You are responsible for providing accurate information when using our calculators.
An incorrect input can produce an incorrect result. CyberTivo cannot verify the accuracy of information entered into a calculator by a user.
Before relying on an important result, review the information you entered and consider checking the calculation through another reliable source.
9. Third-Party Websites and Links
CyberTivo may occasionally link to third-party websites or resources for additional information.
We do not control third-party websites and cannot guarantee the accuracy, availability, security, privacy practices, or content of external websites.
A link to another website does not necessarily mean that CyberTivo endorses or recommends its content, products, or services.
We encourage users to review the terms and privacy policies of any third-party website they visit.
10. Advertising
CyberTivo may display advertisements provided by third-party advertising networks, including services such as Google AdSense.
Advertisements may be selected automatically and do not necessarily represent the views or recommendations of CyberTivo.
We do not control every advertisement displayed on the website and do not guarantee the accuracy, quality, or suitability of products or services promoted through third-party advertisements.
11. Website Availability
CyberTivo is provided on an “as is” and “as available” basis.
Although we work to keep the website and its calculators available and functional, we cannot guarantee that the website will always be uninterrupted, secure, error-free, or available.
We may update, change, suspend, or remove calculators, features, pages, or other website content without prior notice.
12. Technical and Calculation Errors
Like any website or software-based tool, CyberTivo may occasionally experience technical problems, bugs, calculation errors, interruptions, or other unexpected issues.
We make reasonable efforts to identify and correct problems when they are discovered, but we cannot guarantee that every error will be detected immediately.
If you believe that one of our calculators is producing an incorrect result or that a website feature is not working properly, please contact us.
13. Limitation of Liability
To the fullest extent permitted by applicable law, CyberTivo and its owners, operators, contributors, writers, and associated parties shall not be responsible for losses, damages, or other consequences resulting from your use of the website, calculators, tools, or information provided through CyberTivo.
This includes decisions made based on calculator results or information published on the website.
You use CyberTivo and rely on its content and calculator results at your own discretion and risk.
14. Updates to This Disclaimer
We may update this Disclaimer from time to time to reflect changes to our website, calculator tools, content, services, or applicable requirements.
When changes are made, the revised version will be published on this page, and the “Last Updated” date will be changed accordingly.
We recommend reviewing this page periodically so that you remain aware of the current Disclaimer.
15. Contact Us
If you have any questions, concerns, or comments about this Disclaimer, please contact us:
Email: info@cybertivo.com
Website: CyberTivo
Thank you for using CyberTivo. Our goal is to provide simple and useful online calculators and information to help you understand everyday calculations more easily.