Terms of Use

These terms govern your use of BusCalcTools(the site). By accessing or using the site, you agree to these terms. If you don't agree, please stop using the site.

1. What the site is

BusCalcTools provides free online calculators and educational content about small business finance for users in the USA, UK, and South Africa. The site is operated by James Blanckenberg as a personal project.

2. Not financial advice

Content and calculations on the site are for informational and educational purposes only. They do not constitute financial, accounting, tax, legal, or investment advice. We are not your accountant, financial adviser, or solicitor. Always consult a qualified professional before making business decisions based on anything you read or calculate here.

3. Permitted use

You may:

• Use the calculators for personal or business purposes.
• Link to any page on the site.
• Quote short excerpts of articles with attribution and a link back.

4. What you may not do

• Republish full articles or scrape the site systematically.
• Resell access to the calculators or wrap them in a competing product.
• Use the site for anything illegal under your local law.
• Attempt to circumvent rate limits, security measures, or access controls.
• Misrepresent affiliation with BusCalcTools.

5. Accuracy & updates

We try hard to keep tax rates, interest-rate benchmarks, and other figures up to date — each calculator page lists its sources and last-verified date. But rates change, and we may not catch every update immediately. Verify against primary sources (IRS, GOV.UK, SARS, SBA) before relying on a number for a business decision.

6. Limitation of liability

To the maximum extent permitted by law, BusCalcToolsand its operator accept no liability for any loss, damage, or expense arising from your use of the site, including any reliance on the calculators or content. The site is provided “as is” without warranties of any kind.

7. Third-party content

The site displays third-party advertising (Google AdSense) and uses third-party analytics (Microsoft Clarity). Those providers operate under their own terms. We are not responsible for the content of ads or third-party links from this site.

8. Changes to these terms

We may update these terms from time to time. Substantial changes will be flagged on this page with a new “Last updated” date. Continued use of the site after a change constitutes acceptance.

9. Governing law

These terms are governed by the laws of England and Wales. Disputes will be resolved in the courts of England and Wales unless your local consumer-protection law gives you a non-waivable right to a different forum.

10. Contact

Questions about these terms? Email [email protected].