Terms of Service

This website is operated by [LEGAL BUSINESS NAME], a business registered in the Netherlands (Chamber of Commerce / KvK no. [NUMBER]), [STREET ADDRESS], [POSTCODE] [CITY], the Netherlands. By using the site you agree to these terms.

Our articles, videos, calculators and products are for general educational purposes. They are not financial, legal, tax, insurance or investment advice. Consult a qualified professional about your situation.

Calculators produce estimates based on the numbers you enter and simplified assumptions that are explained next to each tool.

Digital products are sold through Lemon Squeezy, which acts as merchant of record and handles payment, sales tax and VAT, and file delivery. Lemon Squeezy's buyer terms also apply to your purchase.

Prices are shown in U.S. dollars. Applicable taxes are calculated at checkout.

When you buy a product, you receive a personal, non-transferable license to use it for your own household. You may not resell, redistribute or publish the files. [CONFIRM LICENSE SCOPE]

We work to keep our content accurate but cannot guarantee it is complete or current. To the extent permitted by law, we are not liable for decisions made based on our content. Nothing in these terms limits rights you have under mandatory consumer law.

These terms are governed by the laws of the Netherlands, without depriving you of the protection of mandatory laws of your country of residence. [CONFIRM WITH COUNSEL]