Terms and Conditions

Last Revised: January 14th, 2025


The materials and tools available on this website are provided "as is" without any assurances, guarantees, or warranties regarding their accuracy or reliability. Users are welcome to utilize the calculators and tools provided on the site at their discretion. These calculators are designed for informational and general support purposes and should not replace professional advice. Any results produced by these tools should be independently verified and confirmed by a qualified professional before being used for significant decisions.

General Information Disclaimer

This website offers general financial information and tools intended for educational purposes only. The information provided does not constitute specific financial, investment, or legal advice. For personal financial decisions, users should consult a certified professional in the relevant field.

To the fullest extent permitted by law, this website, its creator Ryan Cairns, and associated third parties expressly disclaim all conditions, warranties, and terms that might otherwise be implied by statute, common law, or equity. Furthermore, they disclaim liability for any direct, indirect, or consequential damages incurred by users related to this website, including but not limited to:

  • Loss of income or revenue
  • Loss of business or contracts
  • Loss of profits or anticipated savings
  • Loss of data or goodwill
  • Wasted management or office time

This limitation of liability applies to damages arising from tort (including negligence), breach of contract, or otherwise, even if foreseeable. This does not limit liability for death or personal injury caused by negligence, fraudulent misrepresentation, or any other liability that cannot be legally excluded or restricted. References to specific products or publications do not imply endorsement of those items.

Intellectual Property

All content on this site, including calculators, tools, text, graphics, logos, and software, is the intellectual property of this website and is protected under copyright law. Reproduction, distribution, or creation of derivative works is prohibited without prior written consent.

Privacy and Data Collection

Details regarding the collection, use, and protection of user data can be found in our Privacy Policy.

Modification of Terms

We reserve the right to update or change these terms and conditions at any time.

Limitations on Liability

The authors of this website are not responsible for any errors or omissions. The site is offered as a service to users, who assume any associated risks. The website disclaims responsibility for technical issues, including downtime, maintenance periods, or interruptions outside of our control.

Third-Party Links

This website includes links to external sites, advertisements, and affiliate links. We are not responsible for the content, accuracy, or opinions expressed on third-party websites, which are not monitored or verified by us. Inclusion of external links does not imply endorsement. Users who choose to access third-party sites do so at their own risk.