By accessing this website or application (hereinafter referred to as the “Platform”), you agree to abide by and be bound by the following Terms of Use. Please read them carefully. We may change these terms and conditions at any time. By using this web site or any utility in this web site directly or indirectly you abide by all terms and conditions mentioned herein and that you accept any new or modified terms and conditions that we come up with. If you do not agree to any of the terms mentioned herein, you should exit the site immediately.
The Platform is owned and operated by a technology service provider offering digital tools, including but not limited to financial calculators and proposal generators, designed to assist users with data organization and presentation. These tools are provided for informational and illustrative purposes only.
The use of the Platform is available only to persons who can form legally binding contracts under applicable laws. Persons who are "incompetent to contract" within the meaning of applicable law are not eligible to use the Platform. If you are a minor, you may use the Platform only under the supervision of a parent or legal guardian.
If you use the Platform, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer or device. You agree to accept responsibility for all activities that occur under your account. The Platform reserves the right to refuse service, terminate accounts, or remove or edit content at its sole discretion.
The Platform provides tools that allow users to create illustrative proposals, reports, and calculators. These tools are intended solely for informational purposes and do not constitute investment advice, financial planning, or any form of recommendation. Users must exercise independent judgment and consult their own advisors where necessary before making any financial or investment decisions based on data presented via the Platform.
All personal information provided to the Platform is governed by our Privacy Policy. By using the Platform, you consent to the collection and use of your information in accordance with the Privacy Policy.
The Platform grants you limited, non-exclusive, non-transferable, and revocable permission to access and use the Platform solely for generating proposals or calculations for your internal, non-commercial use. You shall not misuse the Platform or attempt to interfere with its proper functioning.
All content available on the Platform, including but not limited to text, graphics, user interface, visual interface, software, code, and the design structure, is owned by or licensed to the service provider. No part of the Platform shall be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way without express written permission.
The Platform does not provide financial, legal, investment, or tax advice. The information and tools available are for illustrative and informational purposes only and are not intended to serve as a basis for any financial decision. The service provider makes no warranties or representations regarding the accuracy or completeness of any calculations or data output.
The service provider shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use the Platform. Your sole and exclusive remedy is to discontinue use of the Platform.
You agree to use the Platform only for lawful purposes. You shall not:
The service provider reserves the right to update or modify these Terms of Use at any time without prior notice. It is your responsibility to review these Terms periodically. Continued use of the Platform after any changes constitutes your acceptance of the revised Terms.
The service provider may suspend or terminate your access to the Platform at its sole discretion, without notice, for conduct that it believes violates these Terms or is otherwise harmful to other users or the business interests of the service provider.
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the service provider operates. Any disputes arising out of or relating to the use of the Platform shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.