Terms of Use
Version of 29 September 2026.
By using the FinPotik website (finpotik.com) you agree to these terms. If you do not agree, please do not use the site.
What FinPotik is
Free online calculators for deposits, government bonds, investments, retirement savings and loans, plus educational articles. No sign-up is needed, and the calculations run in your browser.
Not financial advice
The results are estimates based on the inputs you enter and on simplified models (for example, a constant rate or inflation over the whole term). They are not financial, investment, tax or legal advice, nor an offer or recommendation to buy any product. The blog articles are educational material.
The actual terms of banks and issuers - fees, taxes, early withdrawal rules, rounding - may differ. Check them in the official documents and discuss important decisions with a professional.
Accuracy and availability
We check the formulas and texts carefully but do not guarantee that the site is free of errors or interruptions, or that the default values (rates, taxes, inflation) are current. The site may change, and individual features may be removed without notice.
Limitation of liability
The site is provided "as is". To the extent permitted by law, FinPotik is not liable for any loss related to decisions made on the basis of its calculations or articles, or to being unable to use the site.
How you may use the site
Use the calculators for personal and work calculations and share links to them. Do not try to disrupt the site, load its pages automatically in a way that strains the server, or pass off the site or any part of it as your own.
Intellectual property
The texts, articles, design and code of the site belong to FinPotik. You may quote them with a link to the source.
External services
The site links to third-party resources - Ko-fi for supporting the project, the author's LinkedIn, Google. Their content and rules are the responsibility of their owners.
Privacy
What data is processed and how to control visit statistics is described in the Privacy Policy.
Governing law
These terms are governed by the laws of Ukraine. If you are a consumer in the EU, they do not take away the protection your country's law gives you.
Changes and contact
A new version is published on this page with a new date at the top. By continuing to use the site after a change, you accept the new version. Questions go to taras.kucherenko.individ.art@gmail.com.