By using the Site, you agree to these Terms of Use.

Permitted Use

You may access and use the Site for personal, non-commercial, educational purposes.

Intellectual Property

All content, branding, calculators, and design elements on the Site are owned by Creator Sanctuary or its licensors and may not be reproduced, distributed, or used commercially without written permission.

No Warranties

The Site and its content are provided "as is" without warranties of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose.

Limitation of Liability

To the fullest extent permitted by law, Creator Sanctuary and its owners are not liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site or its content, including any financial decision made based on it.

User Responsibility

You are responsible for your own use of any information, tool, or calculator on the Site, and for verifying any figure, rate, or assumption before relying on it.

Prohibited Use

You may not use the Site to violate applicable law, infringe intellectual property rights, distribute malware, or attempt to scrape, reverse-engineer, or interfere with the Site's calculators or infrastructure.

Third-Party Links

The Site may link to third-party websites we do not control. We are not responsible for the content, accuracy, or practices of those sites.

Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the revised Terms.