Disclaimer

Disclaimer | Invorya
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Disclaimer

Last updated: October 6, 2025

Educational Use Only — Not Financial Advice

The information and tools on Invorya are for general informational and educational purposes only. We do not provide personalized financial, investment, tax, or legal advice. You should consult a licensed professional for advice tailored to you.

No Professional–Client Relationship

Using our site and tools does not create a fiduciary, advisory, or professional–client relationship with Invorya.

Calculator Assumptions & Accuracy

Our calculators (currency, loan, mortgage, investment) use standard formulas and, where applicable, third-party data. Results are estimates and may exclude fees, taxes, insurance, PMI, or lender-specific requirements. Exchange rates fluctuate and may differ from rates offered by your bank or card.

  • Currency: Rates update periodically and can change without notice.
  • Loan/Mortgage: Unless noted, results exclude fees, taxes, insurance, and PMI.
  • Investment: Past performance is not indicative of future results; returns are not guaranteed.

Advertising, Affiliates & Sponsored Links

We display ads (e.g., Google AdSense) and may use affiliate links or sponsored placements. If you click a link or sign up, we may earn a commission at no additional cost to you. We aim to surface reputable products but do not guarantee third-party offerings.

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Advertising & Cookies

We and our partners (like Google AdSense) use cookies or similar technologies to serve personalized or non-personalized ads. Manage ad personalization at Google Ads Settings. Learn more about analytics, cookies, and your choices (including “Do Not Sell/Share” where applicable) in our Privacy Policy.

External Links

Invorya links to third-party sites. We do not control or endorse their content, policies, or availability. You use external links at your own discretion.

No Warranties; Assumption of Risk

The site and all content/tools are provided “as is” and “as available” without warranties of any kind, express or implied. You assume all risk for your use of the site, tools, and any decisions based on them.

Limitation of Liability

To the fullest extent permitted by law, Invorya and its owners, contributors, and partners are not liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or relating to your use of the site, tools, or information. Use of this website constitutes acceptance of this limitation. For governing law and venue, see our Terms & Conditions.

User Responsibility

You are responsible for verifying results and determining suitability. Always confirm rates, fees, and terms with your bank, lender, or financial institution before making decisions.

Changes to This Disclaimer

We may update this Disclaimer from time to time. We will post updates with a new “Last updated” date. Continued use signifies acceptance.

Contact Us

Invorya
Website: https://www.invorya.com
Email: contact@invorya.com

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Disclaimer | Invorya :root{--bg1:#f7fafc;--bg2:#eef5ff;--card:#fff;--text:#222;--muted:#5b6673;--brand:#0a74da;--ring:#cfe6ff;--border:#e6ecf5;--radius:12px} html{scroll-behavior:smooth} *{box-sizing:border-box;margin:0;padding:0} body{font-family:Arial,Helvetica,sans-serif;background:linear-gradient(180deg,var(--bg1),var(--bg2));color:var(--text);line-height:1.7} /* Local fallback header (hidden if WP/global header exists) */ .siteHeader{position:sticky;top:0;z-index:1000;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 2px 6px rgba(0,0,0,.04);display:flex;justify-content:center;align-items:center;padding:12px 0} .siteHeader img{max-height:60px;width:auto;display:block} /* Pill header styling (matches Terms) */ .inv-theme-header{position:sticky; top:0; z-index:1001; background:linear-gradient(180deg, color-mix(in srgb, var(--brand) 6%, var(--card)), var(--card)); border-bottom:1px solid var(--border); box-shadow:0 2px 10px color-mix(in srgb, var(--brand) 10%, transparent)} .inv-theme-header.is-scrolled{background:linear-gradient(180deg, color-mix(in srgb, var(--brand) 14%, var(--card)), var(--card)); border-color:color-mix(in srgb, var(--brand) 18%, var(--border)); box-shadow:0 8px 24px color-mix(in srgb, var(--brand) 18%, transparent)} .inv-theme-header::after{content:""; position:absolute; inset:0 0 auto 0; height:2px; background:linear-gradient(90deg, var(--brand), #0863ba)} .inv-theme-header nav ul,.inv-theme-header .menu{display:flex;gap:8px;align-items:center;margin:0;padding:0;list-style:none} .inv-theme-header nav a,.inv-theme-header .menu a{display:inline-flex;align-items:center;gap:.35rem;padding:.48rem .9rem;border-radius:999px;font-weight:800;text-decoration:none;color:var(--text);border:1px solid color-mix(in srgb, var(--brand) 25%, var(--border));background:color-mix(in srgb, var(--brand) 6%, var(--card));transition:background .15s,border-color .15s,box-shadow .15s,color .15s} .inv-theme-header nav a:hover,.inv-theme-header .menu a:hover{background:color-mix(in srgb, var(--brand) 18%, var(--card));border-color:color-mix(in srgb, var(--brand) 40%, var(--border));box-shadow:0 0 0 3px color-mix(in srgb, var(--brand) 18%, transparent);color:#0e1220} .inv-theme-header [aria-current="page"],.inv-theme-header .current-menu-item>a,.inv-theme-header .current_page_item>a{background:linear-gradient(180deg, var(--brand), #0863ba);border-color:color-mix(in srgb, var(--brand) 55%, #0863ba);color:#fff !important;text-shadow:0 1px 0 rgba(0,0,0,.18);box-shadow:0 6px 14px color-mix(in srgb, var(--brand) 30%, transparent)} /* Wrapper */ .container{max-width:900px;margin:20px auto;padding:20px;background:#fff;border-radius:var(--radius);box-shadow:0 4px 16px rgba(0,0,0,.06)} h1,h2{color:var(--brand);margin:0 0 10px} p{color:var(--muted);margin:0 0 14px} ul{margin:0 0 16px 20px;color:var(--muted)} a{color:var(--brand);text-decoration:none} a:hover{text-decoration:underline} .section{margin-bottom:22px} .muted{color:#6b7788} /* Ads */ .ad{margin:14px 0;text-align:center} .adsbygoogle{display:block;margin:auto} .ad-label{display:block;font:600 11px/1.2 Arial,system-ui;text-transform:uppercase;letter-spacing:.04em;color:#444;margin-bottom:6px} .ad.no-fill{border:1px dashed var(--border);background:#f9fbff;border-radius:10px;padding:10px} .ad-placeholder{display:none;font-size:12px;color:#9aa3af;margin-top:4px} .ad.no-fill .ad-placeholder{display:block} /* Footer */ footer{text-align:center;padding:16px;background:#fff;border-top:1px solid var(--border);margin-top:28px;color:#6b7788;font-size:14px} footer a{color:#0a74da;margin:0 8px;text-decoration:none} footer a:hover{text-decoration:underline} /* Consent modal bits */ .inv-consent-wrap{position:fixed; inset:auto 12px 12px 12px; z-index:99999; max-width:560px; background:#fff; color:#111; border:1px solid #e6ecf5; border-radius:12px; box-shadow:0 10px 30px rgba(0,0,0,.12); padding:14px; display:none} .inv-consent-wrap.show{display:block} .inv-consent-title{font-weight:800;color:#0a74da;margin:0 0 6px} .inv-consent-txt{color:#5b6673;font-size:14px;margin:0 0 10px} .inv-actions{display:flex;gap:8px;flex-wrap:wrap;align-items:center} .inv-btn{cursor:pointer;padding:10px 12px;border-radius:10px;border:1px solid #e6ecf5;font-weight:800} .inv-btn.primary{background:linear-gradient(180deg,#0a74da,#084f9c);color:#fff;border:none} .inv-link{color:#0a74da;text-decoration:none;font-weight:700;cursor:pointer} .inv-link:hover{text-decoration:underline} .inv-modal-backdrop{position:fixed; inset:0; background:rgba(0,0,0,.35); z-index:100000; display:none} .inv-modal{position:fixed; inset:50% auto auto 50%; transform:translate(-50%,-50%); background:#fff; width:92%; max-width:520px; border:1px solid #e6ecf5; border-radius:12px; box-shadow:0 14px 40px rgba(0,0,0,.18); padding:16px; z-index:100001; display:none} .inv-modal.show,.inv-modal-backdrop.show{display:block} .inv-row{display:flex; align-items:flex-start; gap:10px; margin:10px 0} .inv-row label{font-weight:700} .inv-help{color:#5b6673;font-size:13px} #invClose{cursor:pointer} Advertisement Ad slot (pending) Disclaimer Last updated: October 6, 2025 Educational Use Only — Not Financial Advice The information and tools on Invorya are for general informational and educational purposes only. We do not provide personalized financial, investment, tax, or legal advice. You should consult a licensed professional for advice tailored to you. No Professional–Client Relationship Using our site and tools does not create a fiduciary, advisory, or professional–client relationship with Invorya. Calculator Assumptions & Accuracy Our calculators (currency, loan, mortgage, investment) use standard formulas and, where applicable, third-party data. Results are estimates and may exclude fees, taxes, insurance, PMI, or lender-specific requirements. Exchange rates fluctuate and may differ from rates offered by your bank or card. Currency: Rates update periodically and can change without notice. Loan/Mortgage: Unless noted, results exclude fees, taxes, insurance, and PMI. Investment: Past performance is not indicative of future results; returns are not guaranteed. Advertising, Affiliates & Sponsored Links We display ads (e.g., Google AdSense) and may use affiliate links or sponsored placements. If you click a link or sign up, we may earn a commission at no additional cost to you. We aim to surface reputable products but do not guarantee third-party offerings. Advertisement Ad slot (pending) Advertising & Cookies We and our partners (like Google AdSense) use cookies or similar technologies to serve personalized or non-personalized ads. Manage ad personalization at Google Ads Settings. Learn more about analytics, cookies, and your choices (including “Do Not Sell/Share” where applicable) in our Privacy Policy. External Links Invorya links to third-party sites. We do not control or endorse their content, policies, or availability. You use external links at your own discretion. No Warranties; Assumption of Risk The site and all content/tools are provided “as is” and “as available” without warranties of any kind, express or implied. You assume all risk for your use of the site, tools, and any decisions based on them. Limitation of Liability To the fullest extent permitted by law, Invorya and its owners, contributors, and partners are not liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or relating to your use of the site, tools, or information. Use of this website constitutes acceptance of this limitation. For governing law and venue, see our Terms & Conditions. User Responsibility You are responsible for verifying results and determining suitability. Always confirm rates, fees, and terms with your bank, lender, or financial institution before making decisions. Changes to This Disclaimer We may update this Disclaimer from time to time. We will post updates with a new “Last updated” date. Continued use signifies acceptance. Contact Us Invorya Website: https://www.invorya.com Email: contact@invorya.com Advertisement Ad slot (pending) For education only • Not financial advice • Privacy • Disclaimer • Terms and Conditions /* compact top-level pills + dropdowns (same as Terms helpers) */ .inv-theme-header nav>ul,.inv-theme-header .menu{gap:6px;flex-wrap:wrap} .inv-theme-header nav>ul>li>a,.inv-theme-header .menu>li>a{font-size:14px;padding:.38rem .70rem;font-weight:700} @media (max-width:768px){ .inv-theme-header nav{overflow-x:auto;-webkit-overflow-scrolling:touch} .inv-theme-header nav>ul,.inv-theme-header .menu{gap:4px} .inv-theme-header nav>ul>li>a,.inv-theme-header .menu>li>a{font-size:12px;padding:.32rem .54rem} } .inv-theme-header .menu>li,.inv-theme-header nav>ul>li{position:relative} .inv-theme-header .menu .sub-menu,.inv-theme-header nav ul ul{ display:none;position:absolute;top:calc(100% + 8px);left:0;background:#fff;border:1px solid var(--border);border-radius:10px;box-shadow:0 10px 20px rgba(0,0,0,.08);padding:8px;z-index:1002;min-width:200px;max-width:min(280px,calc(100vw - 40px));flex-direction:column;gap:6px } .inv-theme-header .menu li:hover>.sub-menu,.inv-theme-header .menu li:focus-within>.sub-menu,.inv-theme-header nav li:hover>ul,.inv-theme-header nav li:focus-within>ul{display:flex} .inv-theme-header{overflow:visible} Your privacy choices We use cookies to run the site, measure usage, and (if you allow) personalize ads. See our Privacy Policy. Decline Customize Accept All Do Not Sell/Share Customize your choices Close Analytics Measure usage (Google Analytics / Consent Mode). Personalized Ads Allows Google to personalize ads. If off, you’ll still see ads—just less relevant. Save Accept All Change choices anytime via “Manage Cookies” in the footer. .ad .adsbygoogle{min-height:120px;display:block;margin:auto} @media (max-width:480px){.ad .adsbygoogle{min-height:100px}} .ad.no-fill .ad-placeholder{display:block} .ad-placeholder{display:none;font:600 12px/1.2 Arial,system-ui;color:#9aa3af;margin-top:6px} /* Base link color inside all dropdowns */ .inv-theme-header nav .sub-menu a, .inv-theme-header .menu .sub-menu a{ color: #0a74da !important; /* brand blue */ background: transparent !important; border: 0 !important; box-shadow: none !important; } /* Hover / keyboard focus */ .inv-theme-header nav .sub-menu a:hover, .inv-theme-header nav .sub-menu a:focus, .inv-theme-header .menu .sub-menu a:hover, .inv-theme-header .menu .sub-menu a:focus{ color: #0a74da !important; background: color-mix(in srgb, #0a74da 12%, #ffffff) !important; /* subtle blue tint */ border-radius: 10px !important; } /* “Current” item inside the dropdown (WordPress adds these classes/aria) */ .inv-theme-header .sub-menu .current-menu-item > a, .inv-theme-header .sub-menu .current_page_item > a, .inv-theme-header .sub-menu a[aria-current="page"]{ background: linear-gradient(180deg, #0a74da, #0863ba) !important; color: #ffffff !important; border: 1px solid color-mix(in srgb, #0a74da 55%, #0863ba) !important; border-radius: 10px !important; box-shadow: 0 6px 14px color-mix(in srgb, #0a74da 30%, transparent) !important; } /* Keep the dropdown panel neutral (no purple backgrounds) */ .inv-theme-header nav .sub-menu, .inv-theme-header .menu .sub-menu{ background: #ffffff !important; border-color: var(--border, #e6ecf5) !important; } /* Nuke any theme/plugin accent variables that may force purple */ .inv-theme-header .sub-menu a, .inv-theme-header .sub-menu a:hover, .inv-theme-header .sub-menu a:focus{ --accent: #0a74da !important; --brand: #0a74da !important; }
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