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Terms of Use

Last updated: January 2025

The Agreement

By using any tool on this site, you agree to these terms. If you don't agree, don't use the tools.

AS IS - No Warranty

Every tool is provided "AS IS" without any warranty whatsoever. This means:

• No guarantee of accuracy
• No guarantee of reliability
• No guarantee it won't break
• No guarantee it's fit for any purpose

Your Responsibility

You accept FULL responsibility for:

• Verifying all inputs and outputs
• Any decisions based on these tools
• Any consequences from using these tools
• Getting professional advice when needed

No Liability

The creator (GWUPF) assumes NO LIABILITY for any damages, losses, or consequences from using these tools. This includes but isn't limited to:

• Financial losses
• Incorrect calculations
• Bad decisions
• Regulatory issues
• Any other direct or indirect damages

Not Professional Advice

Nothing here is professional advice. Don't treat it as such. These tools don't replace:

• Professional judgment
• Actual accountants
• Actual lawyers
• Actual financial advisors
• Anyone with actual credentials

Copyright

All code and content © 2025 GWUPF. All rights reserved. Don't copy, redistribute, or sell any of it.

Changes

These terms can change anytime. Continued use means you accept the new terms.

Governing Law

These terms are governed by applicable law where you use the tools. Any disputes are your problem to solve.