Last updated: [1/29/2026]
These Terms & Conditions govern the use of 4x1000calculadora.com. By accessing or using this website, you agree to comply with these terms. If you do not agree, you should discontinue use of the site.
This website provides financial calculators and educational content related to Colombian taxes, payroll deductions, banking charges, and the GMF (4×1000) tax for informational and estimation purposes only.
1. About This Website
4x1000calculadora.com is an independent informational platform that offers financial calculation tools and educational resources for users in Colombia.
We are not affiliated with DIAN, the Colombian government, banks, financial institutions, or accounting firms.
You can learn more about our purpose on our About Us page.
2. Acceptance of Terms
By using this website, you confirm that:
- You have read and understood these Terms & Conditions
- You agree to follow all applicable laws and regulations
- You accept responsibility for how you use the calculators and content
These terms may be updated periodically. Continued use of the site means acceptance of the latest version.
3. Nature of Services (Informational Only)
All calculators, tools, and content provided on this site are:
- For informational and educational purposes only
- Not legal, tax, accounting, or financial advice
- Estimates, not legally binding results
Users should verify important financial decisions with qualified professionals or official Colombian authorities.
Legal clarification is available in our Disclaimer.
4. User Responsibilities
Users agree to use the website responsibly and legally.
You must not:
- Use the site for unlawful purposes
- Submit false, harmful, or misleading information
- Attempt to interfere with site security or functionality
- Scrape, copy, or overload the website with automated tools
- Misuse calculator outputs in fraudulent or deceptive ways
You are fully responsible for how you interpret and use calculator results.
5. Calculator Limitations & Accuracy
While we strive for accuracy:
- Financial and tax laws may change
- Individual financial situations vary
- Banking institutions may apply different rules
- Calculator results are approximations, not guarantees
We do not guarantee that results will match official determinations or bank calculations.
Methodology references can be reviewed at Fuentes y Metodología.
6. Intellectual Property
All content on this website — including text, calculators, design, code, and graphics — is protected by copyright and intellectual property laws.
You may:
- Use the website for personal, non-commercial purposes
You may not:
- Copy, reproduce, or republish site content without permission
- Resell or redistribute calculators or tools
- Use our content to create competing commercial services
7. Advertising & Monetization
This website may display advertising (including Google AdSense) to support hosting and development.
Advertising:
- Does not influence calculator results
- Does not affect editorial content
- Does not receive access to calculator input data
We maintain strict separation between ads and financial content.
8. Privacy & Data Handling
We follow a minimal-data policy:
- No account registration required
- Calculator inputs are not stored
- We do not sell personal data
Privacy practices are detailed in our Privacy Policy.
9. External Links & Third-Party Services
This website may contain links to third-party websites.
We are not responsible for:
- External website content
- External privacy practices
- External financial or legal accuracy
Users access third-party services at their own risk.
10. Limitation of Liability
To the fullest extent permitted by law, 4x1000calculadora.com is not liable for:
- Financial losses or damages
- Incorrect calculations or estimates
- Business, tax, or legal consequences
- Decisions made based on site content
- Technical downtime or errors
- Third-party actions
Use of this website is at your own risk.
11. Children & Age Restrictions
This website is not intended for children under 13 years of age.
We do not knowingly collect personal data from minors.
12. Legal Compliance (Colombia Focus)
These Terms are intended to comply with:
- Colombian consumer protection principles
- Data protection and privacy standards
- International best practices for informational financial websites
Any disputes will be governed by applicable Colombian law.
13. Updates to These Terms
We reserve the right to update or modify these Terms at any time.
Changes will be published on this page with a new revision date. Continued use of the website constitutes acceptance of updates.
14. Official Sources & Legal Updates
We strive to base our financial content on official Colombian legal and regulatory sources.
Users may review:
15. Contact
If you have questions about these Terms & Conditions, please contact us via:
👉 Contact
Summary
4x1000calculadora.com provides financial calculators and educational tools for Colombian users with a focus on accuracy, transparency, privacy, and legal clarity.
We aim to help users understand 4×1000 tax rules, payroll deductions, banking costs, and financial planning — while maintaining neutrality, independence, and user trust.