Terms of Use

Scope: calculators, educational content and manual reporting enquiries.

FinanceTool (https://financetool.tech) is operated by Graham Stanes J. By accessing or using the site, you agree to these terms. If you do not agree, please do not use the site.

Calculators and manual reporting

The existing calculators are free, ad-supported educational tools that perform calculations locally in your browser. They are not AI-generated financial advice.

Graham Stanes J offers founder-delivered manual monthly P&L explanations, arranged by enquiry. Automated AI report generation is not offered on this site. There is no instant report upload, online checkout or automatic subscription charge. An enquiry alone does not place an order or commit you to payment. Synthetic examples are illustrations, not client results or guarantees.

See plans and pricing

Pricing and arrangements

Calculators are free (0). Monthly manual reporting prices are displayed for the selected market: in India, Starter is INR 999 per month and Business is INR 2,499 per month; internationally, Starter is USD 19 per month and Business is USD 49 per month. You can change the displayed market on the pricing page.

Final scope, amounts due, payment timing, applicable taxes and delivery details are confirmed with the founder before payment. Monthly pricing does not enrol you in an automatically charged subscription. No outcome or response-time guarantee is made. Before sharing sensitive documents, agree a secure exchange method with Graham; do not attach financial records to an initial email enquiry.

Not financial advice

FinanceTool provides calculators, educational guides and manual P&L explanations for general informational purposes only. Calculator results are estimates; reports explain the figures supplied and do not guarantee business outcomes. None of these constitute financial, tax, legal, investment, or other professional advice. Tax rules, interest rates, and personal circumstances vary and change over time. Always confirm important decisions with a qualified professional before acting.

Accuracy and availability

We work hard to keep our formulas and data accurate, but we make no guarantee that the calculators are free of error or suited to your particular situation. We may change, suspend, or discontinue any part of the site at any time without notice.

No warranty

The site is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

Limitation of liability

To the fullest extent permitted by law, FinanceTool and its operators will not be liable for any loss or damage arising from your use of, or reliance on, the site or its results.

Intellectual property

The content, design, and code of FinanceTool are owned by us or our licensors. You may use the calculators to explore your own financial questions, including general business planning, subject to their educational limitations. You may not copy, scrape, or redistribute substantial portions of the site without permission.

Third-party links and ads

The site may contain links to third-party websites and display third-party advertising. We are not responsible for the content, products, or practices of those third parties. See our Privacy Policy for how advertising cookies are handled.

Changes to these terms

We may revise these terms from time to time. Continued use of the site after changes means you accept the updated terms.

Contact

Questions about these terms? Reach us through our Contact page.