Terms of Service

1. Acceptance of Terms

By accessing or using Margitrix ("the Service", "the Website", "we", "our", "us") at https://www.margitrix.app, you agree to be legally bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to all of these Terms, you must not use our Service.

These Terms apply to all visitors, users, and others who access the Service. We reserve the right to change these Terms at any time. Continued use of the Service after changes constitutes your acceptance of the updated Terms.

2. Description of Service

Margitrix provides free, browser-based financial calculator tools designed to help entrepreneurs, e-commerce sellers, and individuals with financial planning and estimation. Our tools include calculators for loan amortisation, income tax estimation, mortgage payments, e-commerce platform fees, print-on-demand profit margins, and advertising return on ad spend.

All calculations run entirely within your browser. No financial data is transmitted to our servers. We provide our Service free of charge and are supported by advertising.

3. Informational and Educational Purposes Only

Margitrix is not a licensed financial advisor, tax professional, certified public accountant (CPA), attorney, or regulated financial institution. Our calculators provide estimates based on publicly available information and standard formulas. Actual results may vary significantly due to:

• Changes to platform fees (Amazon, Etsy, Shopify, Stripe) that may not yet be reflected in our tools.
• Individual tax circumstances, deductions, credits, and exemptions not accounted for in general estimates.
• Local, state, provincial, or national laws and regulations specific to your situation.
• Market conditions, interest rate fluctuations, and economic factors.
• Individual lender terms, conditions, and policies.

Always consult a qualified professional — such as a licensed financial advisor, tax accountant, or solicitor — before making financial decisions. Do not rely solely on our calculator outputs for business or personal financial planning.

See our full Financial Disclaimer for additional details.

4. Accuracy of Information

We make reasonable efforts to keep our calculator formulas and fee data accurate and up to date. Platform fees (e.g., Amazon FBA, Etsy, Shopify) change frequently and without notice. We cannot guarantee that our tools reflect the most current rates at any given time.

If you discover an inaccuracy in our calculations or fee data, we encourage you to report it via our Contact page. We review and correct errors promptly in line with our Editorial Policy.

5. Intellectual Property

The Service and its original content — including but not limited to text, graphics, logos, software, source code, calculator logic, and blog articles — are owned by Margitrix and are protected by copyright, trademark, and other intellectual property laws.

You may view, print, and use the output of our calculators for personal and commercial purposes. You may not:

• Copy, reproduce, or redistribute our source code, blog content, or website design without written permission.
• Scrape, harvest, or systematically extract data from our website using automated tools.
• Frame or embed our website within another website without permission.
• Use our trademarks, logos, or brand name without our express written consent.

For licensing or content reproduction requests, please contact us at legal@margitrix.app.

6. Acceptable Use

You agree to use the Service only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Attempt to gain unauthorised access to our systems, networks, or data.
• Use automated scripts to overload, disrupt, or overwhelm our website infrastructure.
• Introduce malicious code, viruses, or malware.
• Use the Service to engage in fraudulent, misleading, or unlawful activity.
• Impersonate Margitrix or its team members.
• Submit false, misleading, or spam messages through our contact form.

7. Third-Party Links and Services

Our website contains links to third-party websites and platforms (including Amazon, Etsy, Shopify, Stripe, and Google). These links are provided solely for informational purposes. Margitrix does not endorse, control, or take responsibility for the content, privacy practices, or terms of third-party websites.

We have no affiliation with Amazon, Etsy, Shopify, Stripe, Meta, TikTok, or any other platform mentioned on our website unless explicitly stated. Platform names, logos, and trademarks are the property of their respective owners.

8. Advertising

Margitrix is supported by advertising through Google AdSense. Advertisements displayed on our website are served by Google and its advertising partners. Margitrix does not endorse products or services advertised on our site and is not responsible for advertiser claims.

See our Advertising Disclosure for full details.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Margitrix and its operators, authors, and affiliates shall not be liable for any:

• Direct, indirect, incidental, special, consequential, or punitive damages.
• Loss of profit, revenue, data, business, or goodwill.
• Financial losses arising from reliance on calculator outputs or educational content.
• Damages resulting from errors, inaccuracies, or omissions in our tools or content.
• Damages caused by interruption or unavailability of the Service.

This limitation applies even if Margitrix has been advised of the possibility of such damages. In jurisdictions that do not allow the exclusion of certain warranties or limitation of liability, our liability is limited to the greatest extent permitted by law.

10. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Margitrix does not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Indemnification

You agree to defend, indemnify, and hold harmless Margitrix and its operators from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising from your violation of these Terms or your use of the Service.

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law provisions. Any disputes arising from these Terms or use of the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer in the European Union, you may also benefit from mandatory consumer protection laws in your country of residence.

13. DMCA Copyright Policy

If you believe that content on Margitrix infringes your copyright, please submit a DMCA takedown notice to legal@margitrix.app including:

• A description of the copyrighted work claimed to have been infringed.
• The URL of the allegedly infringing content on our site.
• Your contact information.
• A statement of good faith belief that the use is not authorised.
• A statement, under penalty of perjury, that the information in your notice is accurate.
• Your electronic or physical signature.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. We will update the "Last updated" date above when changes are made. For significant changes, we will make reasonable efforts to notify users. Your continued use of the Service after changes constitutes acceptance.

15. Contact Us

For questions about these Terms of Service, please contact us: