Welcome to SpendWise Lab
SpendWise Lab provides interactive data visualization tools designed to help you explore financial scenarios and life choices. These Terms of Service govern your access to our website and tools. By using our platform, you acknowledge that you have read, understood, and agreed to these terms in their entirety.
01 Not a Substitute for Professional Advice
Our platform offers mathematical simulations, not professional guidance. The results generated by our calculators are hypothetical estimates and should not be used as the sole basis for any financial, legal, or tax-related decisions.
We are not your financial advisors, accountants, or lawyers.
Using this site does not establish an advisory or fiduciary relationship. Because financial laws and market conditions change constantly, you must verify all results with a certified professional who can review your specific individual situation.
02 Ownership & Anti-Scraping Policy
All proprietary code, custom mathematical formulas, logic sequences, UI design, and data visualizations are the exclusive intellectual property of SpendWise Lab.
Strict Prohibitions:
- Reverse Engineering: You may not attempt to extract, decompile, or "reverse engineer" the mathematical logic or code powering our calculators.
- AI Training & LLMs: We expressly prohibit the use of our content, results, or code for the purpose of training, fine-tuning, or testing Artificial Intelligence (AI) models, Large Language Models (LLMs), or machine learning algorithms.
- Data Harvesting: The use of automated systems (crawlers, scrapers, or "headless" browsers) to systematically collect data from this site for commercial or competitive use is strictly forbidden.
03 Limitation of Liability
We provide this platform on an "AS-IS" basis. To the maximum extent permitted by law, SpendWise Lab shall not be held liable for any financial losses, missed opportunities, or damages resulting from the use of our tools or reliance on the information provided.
Maximum Liability: In any event, our total financial liability to you for any claim arising from your use of the site shall not exceed $25.00. If you do not agree to this limitation, your only remedy is to stop using the platform.
04 Third-Party Services & Partnerships
We integrate third-party infrastructure for hosting, analytics, and advertising. These third parties may use cookies and tracking technologies to monitor site performance and deliver personalized content.
Affiliate Disclosure: This platform may contain affiliate links. If you click a link and engage with a third-party service or purchase a product, we may receive a commission. This comes at no additional cost to you and helps us maintain these free tools.
We do not control and are not responsible for the accuracy, safety, or privacy practices of any third-party websites linked from our platform. Your interactions with these parties are governed solely by their own terms and policies.
05 Governance
We reserve the right to update these terms or modify the site’s features at any time. Any legal disputes relating to SpendWise Lab will be handled in the courts of Israel.
Questions? Contact us at: admin@spendwiselab.com