Disclaimer

Last updated: [1/30/2026]

This Disclaimer explains the legal limitations, informational nature, and responsible use of the content, calculators, and financial tools available on 4x1000calculadora.com.

By using this website, you acknowledge and agree to the terms outlined in this Disclaimer.

1. Informational & Educational Purpose Only

All content on 4x1000calculadora.com — including calculators, articles, examples, and explanations — is provided for informational and educational purposes only.

The website does not provide:

  • Legal advice
  • Tax advice
  • Accounting advice
  • Financial investment advice
  • Personalized financial recommendations

Our tools are intended to help users estimate and understand financial concepts, not to replace professional consultation or official determinations.

Learn more about our mission on the About Us page.

2. No Official or Government Affiliation

4x1000calculadora.com is an independent platform and is not affiliated with:

  • DIAN
  • Colombian government agencies
  • Banks or financial institutions
  • Payroll providers
  • Accounting firms
  • Investment companies

We do not represent any public authority or financial institution.

3. Accuracy of Calculations & Financial Estimates

We strive to ensure that calculators and financial explanations are based on:

  • Official Colombian legal references
  • Public financial regulations
  • Updated labor and tax standards

However:

  • Financial laws and tax rules may change
  • Banking institutions may apply different internal policies
  • Individual financial situations vary
  • Calculator outputs are estimates, not guarantees

We do not guarantee that results will match official government calculations or bank results.

Methodology details are available at Fuentes y Metodología.

4. GMF (4×1000) & Tax Responsibility Disclaimer

All references to GMF (4×1000) and Colombian taxes are provided for general informational purposes only.

Users remain fully responsible for:

  • Verifying tax obligations
  • Confirming exemptions
  • Consulting official tax authorities when needed
  • Ensuring compliance with Colombian tax law

We recommend verifying important tax decisions with DIAN or a certified tax professional.

5. No Professional-Client Relationship

Using this website does not create:

  • A lawyer-client relationship
  • An accountant-client relationship
  • A financial advisor-client relationship
  • Any fiduciary or advisory relationship

Any decisions made based on website content are solely the user’s responsibility.

6. External Links Disclaimer

This website may include links to third-party websites or external sources.

We are not responsible for:

  • The accuracy of external content
  • Third-party privacy practices
  • External financial or legal claims
  • Any damages resulting from external services

Users access third-party websites at their own risk.

7. Advertising & Monetization Disclosure

4x1000calculadora.com may display advertising (including Google AdSense) to support website maintenance and content creation.

Advertising:

  • Does not influence calculator results
  • Does not affect editorial independence
  • Does not access user calculator inputs
  • Does not constitute financial endorsement

We remain neutral and independent in all financial content.

8. Limitation of Liability

To the fullest extent permitted by law, 4x1000calculadora.com and its operators are not liable for:

  • Financial losses or damages
  • Incorrect or outdated calculations
  • Tax penalties or compliance issues
  • Business or payroll errors
  • Investment or loan decisions
  • Any decisions made based on website content
  • Technical errors or service interruptions

Use of this website is at your own risk.

9. User Responsibility

By using this website, users agree to:

  • Use calculators responsibly
  • Verify critical financial information independently
  • Avoid using estimates as legally binding results
  • Consult professionals when making major financial decisions

Calculator outputs should be treated as guidance, not final determinations.

10. Legal & Regulatory References

We aim to base our financial content on official Colombian regulations and public sources.

You can review:

11. Privacy & Data Responsibility

We prioritize user privacy and follow a minimal-data approach.

  • Calculator inputs are not stored
  • We do not sell personal data
  • Personal data is only collected if users contact us voluntarily

Full details are available in our Privacy Policy.

12. Changes to This Disclaimer

We reserve the right to update this Disclaimer to reflect:

  • Legal changes
  • Regulatory updates
  • Site functionality changes
  • Improved transparency standards

Updated versions will be published on this page with a revised date.

13. Contact

If you have questions about this Disclaimer or wish to report an issue, please contact us via:

👉 Contact

Summary

4x1000calculadora.com provides independent financial calculators and educational content for Colombian users. While we strive for accuracy and transparency, all content remains informational only and not a substitute for professional legal, tax, or financial advice.

Our goal is to support users with clear financial understanding while maintaining neutrality, legal responsibility, and user trust.

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