Disclaimer
Last updated: 7 November 2026
The tools and information on CozyToolz (https://cozytoolz.com) are provided for general use and information only. Please read this page before relying on any result.
Calculators give estimates
Our finance, health and date calculators use standard published formulas, and each tool page explains the formula it uses. Real-world results can differ. Loan offers include fees, taxes vary by country and change often, and investment returns are never guaranteed.
- Not financial advice. Talk to a qualified adviser or your lender before making financial decisions.
- Not medical advice. BMI, body-fat, calorie and pregnancy tools are general estimates. Speak to a doctor or midwife about your health.
- Not legal or tax advice. Check tax rates and rules with your tax authority or an accountant.
File tools
File tools run in your browser and we test them regularly, but browsers and files vary. Always keep a copy of your original file and check the result before you delete anything or send it to someone.
Third-party content and trademarks
Some tools work with content from other services, such as public YouTube thumbnails. That content belongs to its owners, and you are responsible for using it legally. Product names such as YouTube, PDF, Instagram and others are trademarks of their owners. CozyToolz is not affiliated with or endorsed by them.
Advertising and external links
The site may show ads and links to other websites. We do not control and are not responsible for their content, products or privacy practices.
Contact
Found an error in a tool or formula? Please tell us at [email protected] and we will fix it.