Please read these Terms of Service ("Terms") carefully before using the FinTech Lite website and its associated tools (the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

1. Agreement to Terms

These Terms constitute a legally binding agreement between you ("User") and Better Everyone Ltd ("Company", "we", "us"). If you do not agree to any part of these terms, you are prohibited from using the Service.

2. Intellectual Property Rights

The Service, including but not limited to its source code, calculation algorithms, visual design, user interface ("Look and Feel"), and text, is the exclusive property of Better Everyone Ltd and is protected by copyright, trademark, and other intellectual property laws of the United Kingdom and foreign countries.

2.1. Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to use our tools for your personal, non-commercial use only.

2.2. Content Reuse and Attribution

You may share screenshots or exports of your results (e.g., a debt payoff chart) on social media or blogs, provided that:

• You do not modify the image to obscure our branding or logo.
• You provide a visible credit and active link back to https://www.fintechlite.com.

You may not copy, reproduce, or host our calculators on your own website or application without our prior written consent.

3. Acceptable Use and Prohibited Activities

You agree not to misuse the Service. Specifically, you are prohibited from:

• Reverse Engineering: Decompiling, disassembling, reverse engineering, or attempting to derive the source code or underlying algorithms of the Service.
• Scraping: Using any robot, spider, scraper, or other automated means to access the Service for any purpose without our express written permission.
• Repackaging: Selling, licensing, or sub-licensing the Service or its outputs to third parties.
• Harmful Acts: Introducing viruses, trojans, or other malicious material that could harm the Service or its users.

4. Financial & Tax Disclaimer

CRITICAL NOTICE: The content, calculators, and tools provided by FinTech Lite are for educational, informational, and illustrative purposes only.

4.1. No Professional Relationship

Use of these tools does not create a client-advisor relationship. Better Everyone Ltd is a technology provider, not a financial advisor, bank, accountant, or tax professional. We do not assume any fiduciary duty towards you.

4.2. Tool-Specific Limitations

While we strive for mathematical accuracy, our tools rely entirely on user inputs and general formulas.

• Freelancer Tracker: Tax estimates are generalized approximations based on user inputs. Actual tax liability depends on your specific jurisdiction, tax bracket, deductible expenses, and local laws. "Set-aside" amounts are suggestions only; you remain solely responsible for meeting your tax obligations.
• Debt Destroyer: Payoff dates and interest savings are mathematical estimates based on the data you provide. They may not account for variable interest rates, late fees, compounding methods used by your lender, or future financial changes.
• Subscription Auditor: This tool helps visualize spending based on your manual inputs. It does not connect to bank accounts or verify the status of subscriptions.

4.3. Responsibility

You should always verify results before making financial decisions. We are not responsible for any financial loss resulting from reliance on our calculators.

5. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall Better Everyone Ltd, its affiliates, directors, or employees be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses.

Specifically, we are not liable for the loss of data stored in your browser's "Local Storage" due to browser clearing, device failure, or software updates.

6. Indemnification

You agree to defend, indemnify, and hold harmless Better Everyone Ltd and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of:

• a) Your use and access of the Service;
• b) Your violation of any term of these Terms, including the Intellectual Property and Acceptable Use sections;
• c) Your violation of any third-party right, including without limitation any copyright, property, or privacy right.

7. Advertising and Affiliates

The Service is supported by advertising (e.g., Google AdSense) and affiliate links. We do not endorse the products or services advertised. If you click an affiliate link and make a purchase, we may earn a commission. We are not responsible for the content or practices of third-party websites.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in the United Kingdom.

9. Contact Us

If you have any questions about these Terms, please contact us at: hello [at] bettereveryone.com