Terms of Service

Educational use only

FinToolSuite calculators are intended for informational and educational use only. They do not offer financial, legal, or tax advice. The output of our calculators (including the "AI Summary") is generated by algorithms and AI, not human financial advisors. Past performance is not indicative of future results. Brightscale Labs Limited is not a financial institution or an investment advisor. Always consult a qualified professional before making decisions.

Acceptable use

• You must not misuse the site, scrape it, or attempt to disrupt service.
• Do not use the tools for unlawful activity or to mislead others.
• Respect our intellectual property and branding at all times.

Accounts and data

Accounts are not required for these tools at this time. If you share or export data (such as PDFs or CSVs), be sure to handle and store it securely.

Save to Cloud

The Save to Cloud feature is designed to store calculator-related data only (for example: tool inputs, results, and saved scenarios). We do not intentionally store personal identity information in this feature, such as your IP address, username, email address, phone number, or home address as part of saved calculator data.

Cloud-saved data is automatically deleted after 30 days unless you access that saved data within the 30-day period.

Your Cloud Access Code is a key to your saved calculator data. Do not share your code with anyone. Anyone with this code may be able to load your saved data.

Voting and community features

Some tools include anonymous community voting and benchmark insights. These features are provided for educational comparison only and do not represent financial advice, recommendations, or guarantees of outcomes.

To keep community data meaningful, voting may be limited by time windows per tool. If a vote limit is active, you may not be able to submit another vote until the waiting period ends.

You must use these features in good faith. Do not attempt to manipulate votes, automate submissions, or submit misleading inputs.

Limitation of Liability and Indemnity

General Limitation: You acknowledge that the service is provided free of charge and that the following limitations are fair and reasonable in light of the nature of the service. To the maximum extent permitted by the laws of England and Wales, Brightscale Labs Limited (and its directors, employees, or agents) shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages. This includes, but is not limited to, damages for loss of profits, investment losses, data loss, or other intangible losses resulting from:

• Your use or inability to use the calculators;
• Any errors, omissions, or inaccuracies in the calculator outputs or AI summaries;
• Any decisions made or actions taken by you in reliance on the information provided;
• Unauthorised access to or alteration of your transmissions or data;
• Any content or conduct of any third party on the service.

Financial Cap: In no event shall the Company's total aggregate liability to you for all claims arising out of or in connection with the use of the service exceed the greater of: (a) the total amount of fees paid by you to the Company (if any) in the twelve (12) months preceding the claim; or (b) £50.00 GBP.

Indemnity: You agree to indemnify, defend, and hold harmless Brightscale Labs Limited from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with: (i) your misuse of the service; (ii) your violation of these Terms; or (iii) any claim by a third party that your use of the service (or information derived from it) caused them loss or damage.

Legal Exceptions: Nothing in these Terms shall limit or exclude our liability for:

• Death or personal injury caused by our negligence;
• Fraud or fraudulent misrepresentation;
• Any other liability that cannot be excluded or limited by the laws of England and Wales.

Third-party services

Some features may use third-party services. When you use those features, their terms and privacy practices also apply.

Changes to these terms

We may update these terms as we improve the service. Changes will be posted here, and the date above will be updated. By continuing to use the service, you agree to the updated terms.

Governing law

These terms are governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts located in England for any dispute.

Contact

If you have questions about these terms, please email us at .