Legal

Terms of use.

Last updated 2026

These Terms of Use ("Terms") govern your access to and use of FinanceOneDesk (the "Site", "we", "us", "our") and any purchase of FinanceOneDesk Pro ("Pro"). By accessing, browsing or using the Site, or by buying Pro, you confirm that you have read, understood and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Site.

1. 1. Who we are & contact
2. 2. Eligibility
3. 3. Estimates only — not advice
4. 4. Accuracy & your duty to verify
5. 5. No warranty — "as is"
6. 6. Assumption of risk
7. 7. Limitation of liability
8. 8. Indemnification
9. 9. The Pro purchase
10. 10. Acceptable use
11. 11. Third-party services & links
12. 12. Availability & changes
13. 13. Intellectual property
14. 14. Force majeure
15. 15. General
16. 16. Governing law

1. Who we are and how to contact us

FinanceOneDesk is an independently operated website. For any question about these Terms or the Site, contact us at financeonedesk@outlook.com; this is the proper channel for all notices to us. Payments for Pro are sold and processed by our merchant of record, Lemon Squeezy, who is the seller for that transaction (see section 9).

2. Eligibility

You must be at least 18 years old and legally able to form a binding contract to use the Site or buy Pro. By using the Site you represent and warrant that you meet these requirements and that all information you provide in connection with a purchase is accurate.

3. Estimates only — not advice

The calculators, guides, charts and all other content provide simplified, illustrative estimates for general information and education only. They rely on assumptions — such as constant rates of return, steady inflation, and simplified tax and fee treatment — that do not reflect real life. Nothing on the Site is, or should be relied on as, financial, investment, retirement, insurance, tax, accounting or legal advice, a recommendation, solicitation or offer, and it is not tailored to your personal circumstances. No advisory, fiduciary, agency or professional relationship of any kind is created between you and us by your use of the Site. Always obtain independent advice from a suitably qualified and, where relevant, licensed professional before making any financial decision.

4. Accuracy and your duty to verify

While we aim for the underlying formulas to be correct, we do not warrant that any output, figure, projection or statement on the Site is accurate, current, complete or applicable to you. Content may contain errors, omissions or out-of-date information and may change without notice. You are responsible for independently checking any figure before relying on it, and you accept that projected or "future" values are hypothetical and not a promise or guarantee of any actual result.

5. No warranty — provided "as is"

The Site and all content and outputs are provided "as is" and "as available", without warranties or conditions of any kind, whether express, implied or statutory, including (without limitation) implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, title, non-infringement, accuracy, or that the Site will be uninterrupted, secure, timely or error-free, or that defects will be corrected. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

6. Assumption of risk

You use the Site, and act on anything it shows you, entirely at your own risk and on your own independent judgement. You are solely and exclusively responsible for your financial decisions, actions and their outcomes, and you agree that we are not responsible for any choice you make in reliance on the Site.

7. Limitation of liability

To the fullest extent permitted by applicable law, FinanceOneDesk, its operator, and anyone involved in creating or delivering the Site shall not be liable for any loss or damage of any kind — including, without limitation, any direct, indirect, incidental, special, punitive or consequential loss or damage, loss of profits, savings, investment value, data, goodwill or opportunity — arising out of or in any way connected with your access to, use of, or inability to use the Site, any content, or any decision made in reliance on it, whether based in contract, tort (including negligence), strict liability, statute or any other legal theory, and whether or not we have been advised of the possibility of such loss.

Where liability cannot lawfully be excluded but may be limited, our total aggregate liability to you for all claims is limited to the greater of (a) the total amount you actually paid us in the twelve (12) months before the event giving rise to the claim, or (b) €0 — meaning, for free use of the Site, our liability is zero. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation, or for death or personal injury caused by our negligence; and nothing affects mandatory statutory rights you may have as a consumer.

8. Indemnification

You agree to indemnify, defend and hold harmless FinanceOneDesk and its operator from and against any claims, demands, liabilities, losses, damages, costs and expenses (including reasonable legal fees) arising out of or connected with your use or misuse of the Site, your breach of these Terms or of any law, or your reliance on any content or output.

9. The Pro purchase — all sales final

Pro is an optional, one-time purchase that unlocks additional features via a licence key on the device(s) where you activate it. Your purchase is sold and processed by Lemon Squeezy, acting as the merchant/seller of record, under their own terms and privacy policy; they handle payment, invoicing and applicable taxes, and we never receive or store your payment card details. Because Pro is digital content that is made available to you immediately, by purchasing you expressly request immediate performance, acknowledge that you thereby lose any statutory right of withdrawal or "cooling-off" period to the extent permitted, and agree that all sales are final and non-refundable except where a refund is required by mandatory law or granted at our or the merchant's sole discretion. Your licence key is personal to you; you must not share, sublicense, resell, publish or redistribute it, and we or the merchant may suspend or revoke access to keys that are shared or abused, without refund. Pro is provided subject to the same disclaimers and liability limits as the rest of the Site.

10. Acceptable use

You agree not to: break, disrupt, overload, probe or interfere with the Site or its security; scrape, harvest, data-mine, frame or systematically copy it; reverse-engineer, decompile or attempt to extract source code or bypass the Pro paywall or any access control; introduce malware; misrepresent your identity; or use the Site for any unlawful, infringing or harmful purpose. We may investigate and take any action we consider appropriate, and may suspend or terminate your access at any time, without notice or liability, for any actual or suspected breach.

11. Third-party services and links

The Site relies on third parties (for example our payment merchant of record, hosting/CDN provider, font provider, and advertising partners) and may contain links to third-party sites and resources. We do not control and are not responsible for the availability, content, products, policies, acts or omissions of any third party, and inclusion of a link is not an endorsement. Your dealings with any third party are solely between you and them and governed by their own terms; we are not a party to and disclaim all liability for those dealings.

12. Availability and changes to the service

The Site is provided free and is under ongoing development. We may add, change, suspend, price, restrict, or discontinue the Site, any tool, guide or Pro feature, in whole or in part, at any time, with or without notice, and we are not liable to you or any third party for doing so.

13. Intellectual property

The Site and all of its design, code, text, calculators, graphics, branding and other content are owned by us or our licensors and are protected by intellectual-property laws. Subject to these Terms, you are granted a limited, personal, non-exclusive, non-transferable, revocable licence to use the calculators for your own personal, non-commercial planning. You may not otherwise copy, reproduce, republish, distribute, sell, or create derivative works from the Site or its content without our prior written permission.

14. Force majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including internet or hosting outages, third-party failures, cyber-attacks, power failures, or acts of nature, government or authority.

15. General

These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Site and supersede any prior understanding. If any provision is held invalid or unenforceable, it will be limited or removed to the minimum extent necessary and the remaining provisions stay in full force. Our failure to enforce any right is not a waiver of it. You may not assign or transfer these Terms; we may assign them, for example on a transfer of the Site. These Terms do not create any third-party beneficiary rights. We may update these Terms at any time by posting a revised version here, with a new "last updated" date; your continued use after changes means you accept them.

16. Governing law and disputes

These Terms and any dispute or claim arising out of or in connection with them or the Site (including non-contractual disputes) are governed by the laws of Portugal, and the courts of Portugal shall have jurisdiction — save that, if you are a consumer, you also benefit from any mandatory protections and, where applicable, the right to bring proceedings under the law and courts of your country of residence, and nothing here deprives you of those mandatory rights.

This page is a good-faith plain-language document for a small independent project and is not itself legal advice. Laws differ by country; consider having it reviewed against the rules that apply to you.