These Terms of Service govern your use of Fenulo. By accessing or using the website or its resources, you agree to these terms. If you do not agree, please do not use the affected services or resources.
1. Acceptance of terms
By accessing Fenulo, using a calculator or other tool, reading our content, downloading a template, submitting a form, or using a digital product or service we make available, you agree to comply with these Terms of Service and applicable laws.
2. Fenulo services and resources
Fenulo provides practical business tools, calculators, templates, guides, digital products and related resources. Features may be added, changed, improved, limited or discontinued as the platform develops.
Some resources may be available free of charge, while others may later require payment, registration or additional terms that will be shown before you obtain them.
3. Acceptable use
You may use Fenulo for lawful personal or business purposes. You must not misuse the website, attempt unauthorized access, interfere with security or availability, introduce malicious code, scrape or overload the service in an abusive manner, or use Fenulo to violate the rights of another person or organization.
4. Tools, calculators and generated results
Fenulo calculators and tools are designed to provide practical estimates and organizational assistance based on the information you enter. Results may be affected by assumptions, rounding, incomplete inputs, local rules or circumstances not represented in a tool.
You are responsible for reviewing important calculations before relying on them for financial, tax, legal, accounting, investment or other significant business decisions. Fenulo tools are not a substitute for qualified professional advice where such advice is appropriate.
5. Templates, downloads and digital products
Templates and downloadable resources are provided to help you organize and perform business tasks. You are responsible for reviewing, adapting and validating them for your own needs, software environment and applicable requirements.
Unless a resource states otherwise, obtaining a Fenulo template or digital product does not transfer ownership of Fenulo branding, source materials, design rights or other intellectual property.
6. Intellectual property
Fenulo's website design, branding, original written content, tools, templates, graphics, software components and other original materials may be protected by intellectual-property laws. You may use resources according to the permissions provided with them, but you may not present Fenulo materials as your own, remove ownership notices, or redistribute or resell protected resources unless we expressly allow it.
7. Third-party links and services
Fenulo may reference or link to third-party websites, software, platforms, products or services. Those third parties operate independently and may have their own terms, pricing and privacy practices. A link or reference does not make Fenulo responsible for a third party's content, availability, security or performance.
8. Payments, purchases and refunds
If Fenulo offers paid products or services, the applicable price, payment terms and any specific refund or cancellation conditions will be presented at or before purchase. Additional product-specific terms may also apply.
Unless a purchase page states otherwise, nothing in these Terms creates a promise that every digital product or service will always be offered, supported or available at the same price.
9. Disclaimers
Fenulo is provided on an “as available” basis. We aim to make our resources accurate and useful, but we do not guarantee that every page, tool, calculation, template or service will be error-free, uninterrupted, complete or suitable for every purpose.
Business information on Fenulo is general information and should be evaluated in the context of your own circumstances.
10. Limitation of liability
To the extent permitted by applicable law, Fenulo and its operators will not be liable for indirect, incidental, special or consequential loss arising from your use of, inability to use, or reliance on the website or its resources. You remain responsible for your business decisions, records, backups and use of downloaded materials.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.
11. Suspension and termination
We may restrict or suspend access to a Fenulo feature or service when reasonably necessary to protect the website, users or third parties, address misuse, comply with legal requirements, perform maintenance, or discontinue a feature.
12. Changes to these terms
We may update these Terms of Service as Fenulo develops or as operational or legal requirements change. The effective date at the top of this page will be updated when revised terms are published. Continued use after an update means the revised terms apply to subsequent use.
13. Contact us
If you have a question about these Terms of Service or a Fenulo resource, please contact us through the Fenulo contact page.
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