Terms of Service

1. Acceptance of Terms

Welcome to HandyTallies (accessible via https://handytallies.com). By accessing, browsing, or utilizing any of our interactive financial calculators, mathematical simulation engines, educational guides, infographics, or related services, you agree to comply with and be bound by these Terms of Service ("Terms") and our Privacy Policy.

If you do not agree with any portion of these Terms, your sole remedy is to immediately discontinue using our website and digital tools.

2. Non-Advisory & Educational Disclaimer

HandyTallies is an educational and quantitative software platform, NOT a registered financial advisor, certified public accountant (CPA), broker-dealer, or fiduciary.

All calculations, models, charts, and educational articles provided across the site are engineered strictly for illustrative, educational, and computational convenience. The outputs do not represent personalized financial, legal, tax, or investment advice.

3. Accuracy of Calculation Engines & User Inputs

We try to keep every formula and calculation on this site accurate. However:

• Calculations rely heavily on user-supplied parameters (e.g., hypothetical contribution rates, assumed inflation indices, tax brackets).
• We provide all mathematical tools on an "AS-IS" and "AS-AVAILABLE" basis without warranties of any kind, whether express, implied, or statutory.
• We do not guarantee that our tools will be entirely error-free, uninterrupted, or fully compatible with every browser runtime or hardware configuration.

4. Intellectual Property Rights

All original software logic, client-side algorithms, responsive interface code, custom vector SVG infographics, diagrams, educational text guides, logos, and branding elements appearing on HandyTallies are the proprietary intellectual property of HandyTallies and its authors.

You are granted a limited, revocable, non-exclusive license to use our tools for personal, non-commercial, and educational purposes. You may not scrape, reverse-engineer, redistribute, iframe, or replicate our proprietary simulation algorithms without prior written consent.

5. Third-Party Links & Advertising Partners

HandyTallies may display contextual digital advertisements managed by third-party advertising partners, including Google AdSense. In addition, our educational articles may contain links to independent third-party sources (such as SEC EDGAR filings, IRS publications, or fund prospectuses).

We do not endorse, control, or assume liability for the products, privacy practices, or content of third-party websites or advertisements. Your interactions with third-party advertisements are governed strictly by the respective advertiser's terms and privacy policies.

6. Limitation of Liability

To the maximum extent permissible under applicable law, HandyTallies, its founders, researchers, and developers shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages—including but not limited to financial losses, lost profits, tax liabilities, or lost savings—arising out of or in connection with the use or inability to use our tools and information.

7. Modifications to the Service & Terms

We reserve the right to modify, update, enhance, or discontinue any feature, calculation algorithm, or tool at any time without prior notice. Any modifications to these Terms of Service will become effective immediately upon publication on this page with an updated revision date.

8. Contact Information

If you have questions, feedback, or legal inquiries regarding these Terms of Service, please reach out: