1. Educational only
Ranjca provides general educational information. Nothing is a personal recommendation or invitation to transact.
2. Not regulated advice
Ranjca is not a regulated adviser, broker, lender, insurer or tax professional.
3. Quiz limitations
The check-up applies a simple priority rule to selected answers. “Illustrative educational split” is not a suitability assessment, credit score or product allocation and does not consider full finances, debts, tax or legal status.
4. Capital at risk
Where examples mention savings or borrowing, values and costs can change. You may pay more than a sketch suggests, and savings can lose purchasing power.
5. No guarantees
Examples, rates and projections are assumptions, not forecasts or promised outcomes.
6. Accounts and payments
Current accounts, cards and payment apps involve fees, operational outages, fraud and, where relevant, deposit-protection limits. Read the institution’s own documents.
7. Currency and jurisdiction
Examples use euros for accessibility. Availability, tax and protection vary across European and other jurisdictions.
8. Third-party providers
Authorisation does not remove investment risk. Independently verify legal entities, permissions, fees and custody.
9. Tax and legal
Tax and legal outcomes depend on circumstances and country. Consult appropriately qualified local professionals.
10. Affiliate possibility
Future partner or affiliate relationships will be disclosed. Compensation cannot establish suitability or endorsement.
Last updated: 11 September 2026