Version of 23 July 2026
These Terms of Service (the “Terms”) govern the relationship between the administration of the Amortiva website (the “Administration”) and any person using the website (the “User”). By using the website, the User confirms that they have read the Terms and accept them in full.
These Terms constitute a public offer. Using any feature of the website means full and unconditional acceptance of the Terms, without exceptions or reservations.
If the User does not agree with the Terms, they must stop using the website.
The current version of the Terms is always available on the website. The Administration may amend it as described in section 10.
“Website” — the set of pages and software published on the internet under the name Amortiva.
“Service” — the features of the website: financial calculators, reports, summary tables, the financial calendar and the dashboard.
“User” — a person with legal capacity who uses the website under these Terms.
“User data” — the values the User enters into the calculator forms: amounts, rates, terms, dates and other calculation parameters.
The Administration grants the User a simple (non-exclusive), royalty-free licence to use the Service worldwide, for personal and non-commercial purposes.
The Service is provided free of charge and “as is”; no registration is required to use the calculators. The Administration does not warrant that the Service meets the User’s particular expectations or goals.
The Administration may change the scope and functionality of the Service at any time, and may suspend or discontinue it in whole or in part.
All calculations, charts, tables and reports produced by the Service are provided for information and reference purposes only.
The results are not personal investment or financial advice, nor a consultation, offer or public offer of a bank or any other financial institution.
The actual terms of a specific loan, deposit or other financial product are set by the contract with the financial institution and may differ from the calculated results: rounding rules, the interest accrual basis, fees, insurance and taxes in a specific contract may not match the model used by the Service.
Tax rates, deduction limits and other statutory parameters used in the calculations change over time. The Administration aims to keep them up to date but does not warrant that they match the law in force at the time of use.
The Administration does not warrant the completeness or accuracy of the calculations and is not liable for decisions the User makes on their basis. Before making financial decisions, consult a qualified professional and check the terms of your contract.
The User may use the Service free of charge for personal, family and other non-commercial purposes, and may keep the calculation results for their own use.
The User agrees not to interfere with the normal operation of the website: no automated data scraping, no excessive load, no circumvention of technical restrictions, no malicious code.
The User agrees not to submit third-party personal data, offensive material or information whose distribution is restricted by law through the feedback forms.
The User is solely responsible for the accuracy of the data they enter and for keeping their calculation results.
The Administration makes reasonable efforts to keep the website operational but does not warrant uninterrupted or error-free operation.
The Administration may carry out maintenance, update and modify the Service, and may restrict access for a User who breaches these Terms.
The Administration may use anonymised usage statistics to develop and improve the Service.
Every calculator is available without registration. Registering with an email address is optional; it exists solely so that saved reports open on any device, and is not required to use the calculators.
While the User is not signed in, data entered into the calculators is stored locally in the User’s browser (localStorage) for up to 7 days and is not transmitted to the Administration’s servers. The User can delete it at any time — from the menu in the site header, or by clearing the site data in their browser settings.
Once the User signs in, the same data is stored on the Administration’s servers and associated with that account, so that reports open on any device. It is kept until the User deletes it; deletion is available from the menu in the site header, one report at a time or all at once, and is irreversible. The email address is used solely to sign in to the account.
When the “Report a problem” form is submitted, the message text, the contact provided by the User (optional), the page URL, the interface language and technical browser details are transmitted — solely to process the request.
Anonymised visit statistics are collected through web analytics that does not identify the User as a specific individual.
Where personal data is processed, such processing is governed by a separate Privacy Policy.
The website, its design, interfaces, texts, source code, calculation methods and other elements are intellectual property owned by the Administration.
The User may freely use the calculation results for personal purposes. Copying, adapting and distributing the website’s materials for commercial purposes without the Administration’s written consent is not permitted.
Quoting the website’s materials requires an active hyperlink to the relevant page.
The Service is provided “as is”. The Administration is not liable for any direct or indirect damages, including lost profits, arising from the use of or inability to use the Service.
The Administration is not responsible for the content of third-party websites linked from this website.
The Administration is not liable for the loss of data stored in the User’s browser, including after clearing the cache, switching devices or the expiry of a saved draft. For reports saved to an account, the Administration takes reasonable measures to preserve them but does not guarantee their indefinite availability.
The Administration may amend these Terms unilaterally and without individual notice. A new version takes effect once published on the website, unless the version itself provides otherwise.
Continuing to use the website after a new version is published means the User accepts the changes. Users are advised to review the current Terms from time to time.
These Terms and the relationship between the parties are governed by the law of the Russian Federation.
Disputes are settled through negotiation and, failing agreement, in the manner established by the law of the Russian Federation.
If any provision of the Terms is held invalid, the remaining provisions stay in force.
For questions about the website or these Terms, write to dmitrybbolshakov@gmail.com or use the “Report a problem” form in the website footer.