Terms of Service

1. Agreement to Terms

By accessing or using aienly.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please stop using the Site immediately. These Terms apply to all visitors, users and other persons who access or use the Site.

2. About the Site

Aienly provides free online finance calculators covering income tax, mortgage repayments, paycheck deductions, compound interest, debt payoff planning and other personal finance topics. The Site is intended for users in the United Kingdom, United States and Australia, though it is accessible worldwide.

3. Not Financial or Tax Advice

• Calculator results are estimates based on the inputs you provide and the tax rules programmed at the time of the last update.
• Tax rules, rates and thresholds change. Results may not reflect the most current position.
• Individual circumstances vary significantly. Your actual tax, take-home pay or mortgage payments may differ.
• You should always consult a qualified accountant, tax adviser, mortgage broker or financial planner before making any financial decision.

4. Permitted Use

You may use the Site for personal, non-commercial purposes. You agree not to:

• Scrape, crawl or harvest content from the Site using automated means without our written permission.
• Reproduce, republish or redistribute our calculator logic, content or design without permission.
• Use the Site in any way that violates applicable laws or regulations.
• Attempt to gain unauthorised access to any part of the Site or its underlying systems.
• Use the Site to transmit spam, malware or other harmful content.
• Reverse-engineer, decompile or disassemble any software forming part of the Site.

5. Accuracy of Information

We make reasonable efforts to ensure the accuracy of our calculators and keep them updated for each tax year. However, we make no warranty — express or implied — that the information or results provided are accurate, complete or current. Tax legislation is complex and frequently changes. You rely on our calculators entirely at your own risk.

If you believe a calculator contains an error, please contact us — we take accuracy seriously and will investigate promptly.

6. Intellectual Property

All content on the Site — including text, calculator logic, design, graphics and code — is owned by or licensed to Aienly and is protected by applicable copyright, trademark and intellectual property laws.

You may link to our calculators from your own website provided you do so fairly and in a way that does not damage our reputation or suggest endorsement. You must not embed or iframe our calculators on your site without written permission.

7. Advertising

The Site is funded in part by advertising. Adverts may be served by third-party networks including Google AdSense and Adsterra. We do not endorse any advertiser or their products/services. Advertiser content is outside our control.

8. Limitation of Liability

To the fullest extent permitted by law, Aienly and its operators shall not be liable for any direct, indirect, incidental, special or consequential damages arising from:

• Your use of, or inability to use, the Site or its calculators.
• Any financial decision made based on information or results from the Site.
• Errors, inaccuracies or omissions in calculator results.
• Interruption or unavailability of the Site.
• Any third-party content or advertising displayed on the Site.

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud or any other liability that cannot be excluded by law.

9. Third-Party Links

The Site may contain links to third-party websites. We have no control over the content or practices of those sites and accept no responsibility for them. Links do not imply endorsement.

10. User Accounts

If you create an account on Aienly, you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorised use of your account. We reserve the right to terminate accounts that breach these Terms.

11. Availability

We aim to keep the Site available at all times but do not guarantee uninterrupted access. We may suspend the Site temporarily for maintenance, updates or reasons outside our control. We are not liable for any loss arising from Site downtime.

12. Changes to These Terms

We may update these Terms at any time. The "Last updated" date at the top of this page will reflect changes. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We recommend reviewing this page periodically.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales, without prejudice to any mandatory consumer protection rights you may have in your country of residence.

14. Contact

If you have any questions about these Terms, please contact us.