Terms of use

These terms govern use of this website and anything purchased through it.

Nothing here is personal advice

The calculators, articles and service descriptions on this site are educational. They do not take account of your circumstances and are not a personal recommendation. Personal advice begins only under a written engagement.

Digital products

A purchase grants you a personal, non-transferable licence to use the file. You may not redistribute, resell or publish it. Download links are tied to your order and may be limited in number.

Accuracy

We take care that calculations are correct and that assumptions are stated. We do not warrant that any projection will be achieved — projections are illustrations, not forecasts.