Disclaimer

This debt repayment simulator and all related content are provided for general informational and educational purposes only. They are not a substitute for professional advice tailored to your circumstances.

No legal, financial, or tax advice

NivaZero does not provide legal advice, financial advice, tax advice, debt counselling, insolvency counselling, or credit repair services. Use of this website does not create an attorney–client, advisor–client, fiduciary, or other professional relationship. If you need advice, consult a qualified professional in your jurisdiction.

Estimates only; verify your inputs

Any projections, schedules, rankings, or “best strategy” outputs are estimates based on the information you enter and the assumptions used by the simulator. Real outcomes can differ due to interest calculation methods, fees, penalties, payment allocation rules, compounding, rounding, lender policies, and timing. You are responsible for verifying all inputs and results against your own contracts, statements, and applicable rules.

Jurisdiction and regulation risks

Debt, lending, insolvency, consumer protection, debt collection, credit reporting, and tax rules vary significantly by country (and, in some countries, by region or state). The simulator is not designed to ensure compliance with any particular set of laws.

• European Union (EU): Different member states implement and enforce consumer credit, insolvency, and consumer protection rules differently. Cross-border situations can add additional complexity.
• Germany: Your rights and obligations may depend on contract terms and on local rules relating to consumer protection, repayment allocation, and (where relevant) debt relief/insolvency processes.
• Romania: Enforcement and debt recovery practices, consumer protection, and court/administrative processes may affect repayment outcomes and costs.
• United States (USA): Laws can differ by state and may interact with federal rules. Items like interest limits, collections practices, bankruptcy options, and credit reporting can vary widely.

No warranties

The website and simulator are provided “as is” and “as available”, without warranties of any kind, express or implied. We do not warrant that the simulator will be accurate, complete, reliable, or fit for any particular purpose.

Limitation of liability

To the maximum extent permitted by applicable law, NivaZero will not be liable for any losses or damages arising from or related to your use of (or inability to use) the website or simulator, including direct, indirect, incidental, consequential, special, or punitive damages, loss of profits, or loss of data. Some jurisdictions do not allow certain limitations, so some of these limitations may not apply to you.

Do not enter sensitive personal data

Do not enter sensitive personal data (for example, national identification numbers, health information, or other highly sensitive details). For information on how data may be handled when you use the site, please review the Privacy Policy.