Terms and Conditions

1. Acceptance

By accessing Ledgerlyfin you agree to these terms. If you do not accept them, please do not use the site.

2. Not financial advice

This is the most important term here. Everything on Ledgerlyfin — calculators, articles, examples, and FAQs — is provided for general educational purposes only. It is not financial, investment, tax, legal, or accounting advice, and it is not a recommendation to buy, sell, or hold any product or security.

We are not licensed financial advisers, and nothing here takes account of your particular circumstances, objectives, existing commitments, tax position, or tolerance for risk. Before acting on anything you read or calculate here, consult a qualified professional who can assess your full situation.

3. Accuracy and limitations of calculators

Calculators apply standard financial formulas to the inputs you provide. Results are estimates, not guarantees or predictions. They depend entirely on assumptions you choose — particularly rates of return, interest rates, and time periods — and small changes to those assumptions can produce large changes in outcome.

Calculations generally exclude taxes, fees, charges, expense ratios, penalties, and inflation unless a page states otherwise. Actual results from any financial product will differ, often materially. We make no warranty that any calculation is free from error, and you should verify important figures independently with your bank, lender, or fund provider.

4. Use of the site

You may use Ledgerlyfin for personal, non-commercial purposes. You may not scrape, republish, or redistribute site content at scale, attempt to interfere with the site's operation or security, use automated systems in a way that imposes unreasonable load, or misrepresent our content as your own.

5. Intellectual property

All original text, design, and code on this site belong to Ledgerlyfin and are protected by copyright. You may quote short passages with clear attribution and a link to the source page. Reproducing whole pages or substantial portions without written permission is not permitted.

6. Third-party links and advertising

The site contains links to external websites and displays third-party advertising. We do not control that content, do not endorse it by virtue of it appearing here, and accept no responsibility for it. Any dealings with advertisers or linked sites are solely between you and them.

7. Availability

We aim to keep the site available and accurate but do not guarantee uninterrupted access. Pages may be modified, suspended, or withdrawn at any time without notice.

8. Limitation of liability

To the fullest extent permitted by law, Ledgerlyfin and its operators accept no liability for any loss or damage — including financial loss, lost profits, or lost opportunity — arising from use of, or reliance on, this site or anything calculated on it. You use the site and its outputs at your own risk.

Nothing in these terms excludes liability that cannot lawfully be excluded.

9. Changes to these terms

We may revise these terms from time to time. The revision date above will reflect any change, and continued use of the site after a change constitutes acceptance of the revised terms.

10. Contact

Questions about these terms can be sent to hello@ledgerlyfin.com.