Terms of use and financial disclaimer

ToolSimu provides free, browser-based simulators, calculators and guides about business and household decisions. We may change, add or remove simulators, languages and features at any time.

Every simulator is a simplified model with stated assumptions. Real outcomes depend on many factors the model does not know, including your contracts, local taxes and regulations, market conditions and plain luck. Results, charts, diagnoses, breaking points and Monte Carlo ranges are illustrations, not forecasts or guarantees.

Nothing on this site is financial, investment, tax, accounting, legal, engineering, medical or other professional advice, and nothing is an offer or recommendation to buy or sell any product, security, property or service. The people who built ToolSimu are not responsible for decisions you make using it. Before you commit money, sign a contract, take a loan, hire or fire a person, import or export goods or change your tax position, consult a qualified professional who can look at your real situation.

The site and its content are provided as they are and as available, without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose and uninterrupted availability. We do not promise that the site is free of errors or that figures, benchmarks, rates, prices or rules are current.

To the maximum extent permitted by law, the operator is not liable for any loss or damage, direct or indirect, including lost profit, lost data or business interruption, arising from your use of or inability to use the site or from reliance on its content. Nothing in these terms limits liability that cannot be limited by law.

You agree not to misuse the site. That includes attempting to disrupt or overload it, scraping it at a rate that harms other visitors, probing it for vulnerabilities without permission, or using it to break the law. You may link to our pages and quote short extracts with attribution.

The text, formulas, design, code and structure of the site belong to the operator or its licensors and are protected by copyright and related rights. You may use the simulators for your own personal and business planning. You may not copy, republish or sell substantial parts of the content or build a competing service from it without written permission.

The site may display advertising and links to paid templates or partner tools. Where a link may earn us a commission, it is marked and described as a partner or template link. Advertising and partner links do not influence the calculations, and a mention is not an endorsement.

The site may link to third-party sites. We do not control them and are not responsible for their content, products or privacy practices.

We may update these terms and will change the date at the top of the page when we do. Continued use after a change means you accept the new terms. These terms are governed by the laws that apply at the operator's place of business, and the courts there have jurisdiction, subject to any mandatory consumer rights you have where you live.