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centy.cloud publishes free calculators and plain-English guides that help readers understand everyday financial decisions. The goal is education and comparison, not individualized advice.

We do not present centy.cloud as a bank, lender, tax preparer, broker, attorney, or financial adviser. Readers should use primary documents and qualified professionals when a decision requires advice specific to their circumstances.

Every guide begins with a specific reader question and a related calculator or decision. Drafting tools may help organize research and language, but published claims are checked against the sources listed on the page.

Articles must explain assumptions, avoid guarantees, distinguish examples from forecasts, and link to the relevant calculator when readers can test the numbers themselves.

We prefer primary and authoritative sources, including government agencies, regulators, official tax publications, and original product documentation. A source list appears on each guide.

When a source is date-sensitive, the article records a last-updated date. We do not copy source language as a substitute for explanation, and we do not publish unsupported rate or return claims.

Material errors are corrected as soon as they are identified. The article's updated date changes when a correction or meaningful factual revision is published.

Small spelling or formatting changes may not trigger a new date. Changes to tax assumptions, formulas, eligibility rules, or conclusions do.

Advertising and affiliate relationships do not change calculator outputs or determine the conclusion of an article. Paid links are labeled near the recommendation, and sponsored content will be identified clearly if it is ever published.

We do not accept payment to hide material drawbacks. Our current approach to future commercial links is also described in the privacy policy.