Terms of Service

These Terms of Service govern your use of the NivaZero website and simulator.

Acceptance

By accessing or using the website, you agree to these Terms. If you do not agree, do not use the website.

Service description

NivaZero provides a debt repayment simulation tool intended for informational and educational use. Results are estimates and depend on your inputs.

Your responsibilities

• Provide accurate inputs and verify results against your own contracts and statements.
• Do not rely on the simulator as professional advice.
• Do not submit sensitive personal data.

Prohibited use

• Do not misuse the service, attempt to disrupt it, or bypass security features.
• Do not use the website in violation of applicable laws.
• Do not attempt to reverse engineer or exploit the service except as permitted by law.

Availability

We may modify, suspend, or discontinue the website at any time. We do not guarantee uninterrupted availability.

Intellectual property

The website, simulator, and related content are protected by applicable intellectual property laws. You may use them only as permitted by these Terms.

Disclaimers

The service is provided “as is” and “as available”. See the Disclaimer page for additional important information.

Limitation of liability

To the maximum extent permitted by law, we are not liable for losses or damages arising from your use of the website or simulator.

Governing law

These Terms are governed by the laws of Germany. If you are a consumer, mandatory consumer protection laws of your country of residence may also apply.

Last updated: 20 Feb 2026