FinBreezy

Legal

Terms of Use

Last updated: 2 March 2025

1. Acceptance of Terms

By accessing or using finbreezy.com (the "Site"), operated by FinBreezy ("we", "us", or "our"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

2. Description of Services

FinBreezy provides:

  • Free online financial calculators (tax, investment, loan, budget, retirement, and salary)
  • A blog with educational financial content
  • A newsletter with financial tips and updates

Our services are provided free of charge.

3. Financial Disclaimer

a) Not Financial Advice

All content, calculators, tools, and blog posts on this Site are provided for informational and educational purposes only. Nothing on FinBreezy constitutes financial, investment, tax, legal, or accounting advice. We do not provide personalised financial advice, and no content on this Site should be construed as creating any advisor-client relationship.

b) Calculator Accuracy

Calculator results are estimates only and should not be relied upon as exact figures. Results may not reflect current tax rates, regulatory changes, or your individual circumstances. Tax laws are complex, vary by jurisdiction, and are subject to change. We make no warranty regarding the accuracy, completeness, or reliability of any calculator output.

The Salary & Take-Home Pay Calculator in particular uses approximate tax bracket data that may not reflect the most current rates or your specific tax situation. Always verify calculations with a qualified professional.

c) Blog Content

Blog articles are for general informational purposes only. Content may not reflect the most current legal, tax, or financial developments. Opinions expressed are those of the authors and do not constitute professional advice.

d) Seek Professional Advice

You are strongly encouraged to consult with licensed financial advisors, accountants, tax professionals, or attorneys before making any financial decisions. FinBreezy is not a substitute for professional advice tailored to your specific circumstances.

4. Intellectual Property

All content, design, logos, text, graphics, calculators, and software on this Site are the property of FinBreezy and are protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written permission.

You may share links to our content but may not republish, scrape, or redistribute it in any form.

5. Acceptable Use

You agree to use the Site for personal, non-commercial purposes only. You may not:

  • Scrape, crawl, or use automated tools to access the Site without our permission
  • Reverse-engineer, decompile, or attempt to extract the source code of our calculators
  • Introduce malware, viruses, or any code designed to disrupt or harm the Site
  • Use the Site or its calculators for commercial redistribution
  • Attempt to interfere with the Site's availability or performance

6. Third-Party Links & Advertisements

Our Site may contain links to third-party websites in our blog posts. FinBreezy is not responsible for the content, products, services, or privacy practices of any third-party sites.

7. Disclaimer of Warranties

THE SITE AND ALL CONTENT, TOOLS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO 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. We do not guarantee the accuracy, completeness, or timeliness of any content or calculator results.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FINBREEZY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, INCLUDING BUT NOT LIMITED TO:

  • Financial losses resulting from reliance on calculator outputs or blog content
  • Decisions made based on information provided on the Site
  • Inaccuracies in tax brackets, rates, or other financial data
  • Interruptions, errors, or security breaches affecting the Site

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the fullest extent permitted by law.

9. Indemnification

You agree to indemnify and hold harmless FinBreezy, its operators, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Site or violation of these Terms.

10. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

11. Governing Law & Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from or related to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of South Africa.

12. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Material changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

14. Termination

We reserve the right to restrict or terminate your access to the Site at our discretion, without prior notice, for any reason, including violation of these Terms.

15. Contact Us

If you have any questions about these Terms of Use, please contact us:

Email: admin@finbreezy.com