Legal Notice
ziffaro is published by a Swiss company. This page names the operator, the person responsible for the content, and the terms on which the calculators and guides are provided.
Site operator
Honeygoat GmbH
Kägenstrasse 21
4153 Reinach BL
Switzerland
Email: info@ziffaro.com
Authorized representative
Christoph Ballmer, Managing Director
Responsible for content
Christoph Ballmer, at the address above. How the calculators are built, sourced and checked is set out in the Methodology, and the people behind them are introduced on the About page.
Company details
Company name: Honeygoat GmbH
Commercial register number: CH-270-4005459-5
VAT identification number: CH-270-4005459-5 MWST
Registered office: Reinach BL, Switzerland
Honeygoat GmbH operates ziffaro.com from Switzerland. It has no US establishment, no US subsidiary and no physical presence in the United States.
Nature of the content
ziffaro publishes free online calculators and the explanations that go with them. Every figure a tool produces is a planning estimate for orientation, computed from the values you enter and from published rates, formulas and rules of thumb.
Tax, paycheck, mortgage, loan and retirement calculators use published rates and standard formulas, and they cannot know your full circumstances. The binding numbers are the ones from the tax authority, your employer's payroll, your lender's offer and your plan administrator. Health-related calculators produce general reference figures and say nothing about any individual's condition. Honeygoat GmbH is not a tax adviser, not a licensed financial adviser, not a lender or broker, and not a medical provider. The decisions, and the professional work behind them, remain with you and the licensed professionals you engage.
Disclaimer
The content of this site is compiled and reviewed with care and is provided for general information without warranty of any kind. Honeygoat GmbH gives no warranty as to the accuracy, completeness, timeliness or reliability of what is published, and accepts no liability for damage of any kind arising from access to, use of, or inability to use this site, to the fullest extent permitted by applicable law. If a number on this site looks wrong, write to the address above and say which one — corrections are welcome.
External links
This site links to third-party websites, among them official and statutory sources. Those sites lie outside our control, and responsibility for their content, offers, terms and data practices rests with their respective operators. Access and use of them is at your own risk and under their own terms and privacy policies.
Copyright
Copyright and all other rights in the original content, text, calculators, tables, graphics and other files on this site belong to Honeygoat GmbH or to the rights holders specifically named. Reproduction of any element requires the prior written consent of the rights holder. Quoting a passage with a link back is welcome.
Brand names, product names and logos referred to on this site are the trademarks of their respective owners and are used for identification only.
Data protection
What this site processes, and what it deliberately does not, is set out in the Privacy Policy.