Terms & Conditions

1. Acceptance of Terms

By accessing or using Garypedia ("the Site", "we", "us"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must not use the Site. We reserve the right to update these terms at any time; continued use of the Site constitutes acceptance of any revised terms.

2. Use of the Tools and Guides

Garypedia provides free financial calculators, planners, and educational guides organized into four pillars — Cash Flow & Survival, Wealth Acceleration, Capital Allocation, and Income Engines. All tools and guides are offered free of charge for personal and commercial use. You may use them for any lawful purpose. You must not:

Attempt to reverse-engineer, scrape, or systematically extract data from the Site using automated means without prior written consent.
Use the Site in any way that could damage, disable, overburden, or impair our servers or networks.
Submit malicious code, harmful data, or content that violates any applicable law or third-party rights.
Represent the tools or guides as your own product, or resell access to them without authorisation.

3. Not Financial, Tax, or Legal Advice

Every calculator, planner, and guide on Garypedia is provided for informational and educational purposes only. While we make reasonable efforts to keep formulas, tax brackets, and contribution limits accurate and current, we make no warranties — express or implied — regarding the correctness, completeness, or fitness for a particular purpose of any result. Nothing on this Site constitutes financial, investment, tax, accounting, or legal advice, and no calculator output should be treated as a recommendation to take any specific action with your money. Always verify results independently and consult a qualified, licensed financial, tax, or legal professional before making significant financial decisions.

4. Intellectual Property

All content on this Site — including but not limited to code, design, text, calculator logic, guides, and diagrams — is the intellectual property of Garypedia unless otherwise stated. You may not reproduce, redistribute, or create derivative works without our explicit written permission. Calculation results generated by entering your own figures into a tool (e.g. your mortgage payment estimate, your debt payoff timeline) belong to you and may be used, saved, or shared freely.

5. Third-Party Links & Services

The Site may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of those sites. The inclusion of any link does not imply endorsement by Garypedia.

6. Advertisements

Garypedia may display advertisements served by third-party ad networks. These networks may use cookies and similar technologies to serve relevant ads. We do not control the content of these advertisements. See our Cookie Policy for more information.

7. Disclaimer of Warranties

The Site and all tools are provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, statutory, express, or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Garypedia and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Site, even if advised of the possibility of such damages. Our total liability for any claim shall not exceed USD $10.

9. Governing Law

These Terms are governed by and construed in accordance with applicable laws. Any disputes shall be resolved in the courts of competent jurisdiction. If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force.

10. Contact

If you have questions about these Terms, please reach out via our Contact page.