Terms of Use

1) Acceptance of Terms

By accessing or using the Finance Calculator Suite (the “Website”), you agree to these Terms of Use (“Terms”) and to our Disclaimer. If you do not agree, do not use the Website.

2) Informational / Educational Use Only

The Website and its calculators are provided for informational and educational purposes only. They do not provide financial, investment, legal, accounting, or tax advice. See the Disclaimer for details.

3) No Professional Relationship

Your use of the Website does not create any fiduciary, advisory, or professional-client relationship. You are solely responsible for verifying inputs, assumptions, and outputs, and for obtaining professional advice as needed.

4) Permitted Use & Licence

We grant you a limited, revocable, non-exclusive, non-transferable licence to access and use the Website for personal or internal business purposes in accordance with these Terms. You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from the Website or its components except as permitted by law or by prior written consent.

5) Intellectual Property

The Website (including text, design, code, logos, graphics, and data) is owned by the site owner or its licensors and is protected by intellectual property laws. All rights not expressly granted are reserved. (Public-domain formulas such as CAPM/WACC/IRR/DCF are used for illustration only.)

6) Acceptable Use

You agree not to: (a) misuse the Website; (b) interfere with or disrupt its operation; (c) attempt unauthorised access; (d) use it for unlawful, harmful, deceptive, or fraudulent purposes; (e) remove or alter notices or attributions; (f) use automated means to scrape content without permission; or (g) introduce malware or harmful code.

7) Third-Party Links, Content & Affiliates

The Website may reference third-party content and include sponsored or affiliate links. We do not control or endorse third-party sites, products, or services and are not responsible for them. We may receive commissions if you use affiliate links; this does not influence our formulas or outputs.

8) Advertising & Affiliate Programmes

The Website may display advertisements and include affiliate links. If you use an affiliate link and complete a qualifying action, we may receive a commission. Advertising and affiliate services are operated by third parties and are subject to their terms and privacy practices. We do not control, endorse, or assume responsibility for third-party ads, links, products, or services.

In jurisdictions requiring consent for non-essential cookies (e.g., EU/EEA), ad-related cookies/identifiers will only be set after you provide consent via our banner. You can withdraw or change consent at any time via “Cookie Settings” in the footer.

9) Privacy & Cookies

The Website may use analytics and cookies (subject to consent where required) to understand usage and improve performance. Analytics are disabled on localhost and enabled in production only. Do not submit sensitive personal information to the Website. See our Privacy Notice.

10) No Warranties; Limitation of Liability

The Website is provided “as is” and “as available,” without warranties of any kind. To the maximum extent permitted by law, we disclaim all warranties and are not liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of the Website. Where limitations are not permitted, liability is limited to the fullest extent allowed by law. See also the Disclaimer.

11) Indemnification

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless the site owner and operators against claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Website, your reliance on outputs, or your violation of these Terms.

12) DMCA / Notice & Takedown

If you believe content on this Website infringes your rights, contact: contact@yourdomain.com with a detailed notice (including contact details, the URL(s) in question, a description of the alleged infringement, and a statement of good-faith belief). We may remove content at our discretion while we review your notice.

13) Changes; Termination

We may modify or discontinue the Website, or change these Terms, at any time. Your continued use after changes are posted constitutes acceptance. We may suspend or terminate access for any reason, including suspected violations of these Terms.

14) Governing Law & Venue

These Terms are governed by the laws of the Republic of Ireland, without regard to conflict-of-laws principles. You agree to the exclusive jurisdiction and venue of the courts located in Ireland for all disputes arising from or relating to the Website.

15) Severability; Entire Agreement

If any provision is found unenforceable, the remaining provisions remain in full force. These Terms, together with the Disclaimer, constitute the entire agreement between you and us regarding the Website.

16) Contact

Questions about these Terms: contact@yourdomain.com (replace with your actual contact before launch).