# Terms of Use — Finance Simulator **Last Updated:** July 2024 By using Finance Simulator, you agree to these terms. If you don't agree, please don't use the tool. --- ## 1. Intellectual Property This calculator tool (the design, code, and content) is owned by **Chris Coffin**. You do not own or have rights to the tool itself—only the right to use it as described below. The source code, design, and content are protected by copyright law. Unauthorized copying, republishing, or claiming credit violates these rights and may result in legal action. --- ## 2. Your Right to Use You may use this calculator for free, without login, for: - Personal financial planning and learning - Evaluating financial scenarios for your own use - Understanding the code for educational purposes - Building your own tools inspired by or referencing this work (with proper attribution) --- ## 3. Prohibited Uses You may NOT: - **Copy and republish** the entire site, tool, or significant portions of code under a different domain or name - **Remove or hide** copyright notices, author credits, or links to https://finance.chriscoffin.design/ - **Claim authorship** of this work as your own - **Repackage commercially** without written permission (e.g., selling access, bundling into a product, charging for a hosted version) - **Mislead others** about the origin, authorship, or endorsement of this calculator - **Reverse engineer** for purposes other than learning (e.g., to extract trade secrets or proprietary algorithms for competing commercial use) - **Violate laws** while using the tool, including but not limited to tax evasion, fraud, or money laundering - **Interfere** with the tool's operation (hacking, DDoS, malware, scraping) --- ## 4. No Warranty; Liability Disclaimer Finance Simulator is provided **"AS IS"** without any warranty. We do NOT guarantee that: - Calculations are 100% accurate (they are estimates for planning, not official tax returns) - The tool is error-free or will never malfunction - Results are suitable for any specific purpose - Information is up-to-date or applicable to your situation **Tax Disclaimer:** The tax calculations use current-year brackets and rates but are simplified estimates. They are NOT a substitute for professional tax advice. For filing taxes or making major financial decisions, consult a qualified tax professional or accountant. **Financial Disclaimer:** This tool is educational only, not financial advice. The results and projections are hypothetical. Past performance does not guarantee future results. Consult a licensed financial advisor before making investment decisions. --- ## 5. Limitation of Liability To the fullest extent permitted by law, Chris Coffin is NOT liable for: - Any direct, indirect, incidental, or consequential damages arising from your use (or inability to use) the tool - Loss of data, money, opportunities, or other losses based on calculations or projections - Third-party claims or actions - Any errors or inaccuracies in results This includes cases where you were warned of the possibility of such damages. --- ## 6. Your Data & Privacy - **Everything you enter stays on your device.** No data is sent to servers or stored anywhere else. - **No account required.** You don't sign up, and no personal information is collected. - **No tracking.** Minimal analytics (error logs only); individual behavior is not tracked. - **Clear your data anytime.** Use the reset button in the app to delete your inputs. - **Not your responsibility** if you leave the tool open on a shared device—secure your device as you would any online tool. --- ## 7. Third-Party Links & Integrations Finance Simulator links to **Wealthsimple** referral programs and other external services. We are NOT responsible for: - Third-party websites, services, or content - External services' terms, practices, or security - Losses or issues arising from using linked services Your use of external services is governed by THEIR terms, not ours. --- ## 8. Changes to Terms We may update these terms at any time. Continued use after changes means you accept the new terms. Check back periodically. --- ## 9. Governing Law These terms are governed by the laws of **Ontario, Canada**. Any disputes are subject to the courts of that jurisdiction. --- ## 10. Contact For questions, permissions, or to report violations: - **Email:** chrisxcoffin@gmail.com - **Website:** https://finance.chriscoffin.design/ - **GitHub:** See repository for code contributions and issue reporting --- ## 11. Severability If any part of these terms is found unenforceable, the rest remain in effect. --- **Thank you for respecting this work.** This tool is built with care and shared freely so people can make better financial decisions. That freedom depends on trust.