Terms of Service
Last updated: 28 December 2025
1. Acceptance of terms
By accessing or using Owner‑Director Optimiser (the “Service”), you agree to be bound by these Terms of Service. If you do not accept these Terms, you must not use the Service.
2. Purpose and nature of the Service
The Service provides illustrative calculations, estimates, and scenario comparisons for educational and informational purposes only. The Service does not certify, guarantee, or warrant the correctness, completeness, or current applicability of any calculations or outputs.
3. No advice
The Service does not provide financial, tax, legal, investment, or accounting advice. You must independently verify all outputs, review current legislation, and consult qualified professionals before making any decisions.
4. Changes to the Service
We may change, suspend, or discontinue any part of the Service at any time, temporarily or permanently, without notice. We are not liable to you for any modification, suspension, or discontinuation of the Service.
5. Availability
The Service is provided on an “as available” basis. We do not guarantee uninterrupted, secure, or error‑free operation. Availability may be affected by maintenance, updates, or reliance on third‑party infrastructure and services.
6. Accounts and membership limits
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Accounts are personal and may not be shared, resold, or transferred. We may impose reasonable limits on usage or features as part of the Service.
7. Payments
Subscription payments are processed by third‑party payment providers. Payment processing, billing, and chargebacks are governed by the payment provider’s own terms and conditions.
8. Intellectual property
All copyright, trade marks, and other intellectual property rights in the Service and its content, including (without limitation) the website design, text, graphics, calculations, software, and source code, are owned by or licensed to Oosthuizen Consulting.
Subject to your compliance with these Terms, you are granted a limited, non-exclusive, non-transferable right to access and use the Service for your personal or internal business purposes only. Except as expressly permitted, no part of the Service or its content may be copied, reproduced, modified, distributed, sold, licensed, or otherwise exploited without our prior written consent.
You may download, save, or print outputs or pages solely for your own personal or internal business use, provided that all proprietary notices are retained.
9. Third‑party links
The Service may contain links to third‑party websites or services. Such links are provided for convenience only and do not constitute endorsement. We are not responsible for the content, availability, or practices of third‑party sites.
10. Indemnity
You agree to indemnify and hold harmless Oosthuizen Consulting and its affiliates from any claims, losses, liabilities, damages, and expenses arising from your breach of these Terms or your misuse of the Service.
11. Limitation of liability
To the maximum extent permitted by law, we shall not be liable for any indirect, consequential, or economic loss arising from your use of the Service. Nothing in these Terms limits liability that cannot lawfully be excluded.
12. Termination
We may suspend or terminate your access to the Service if you breach these Terms or if access is no longer available due to payment, legal, or technical reasons.
13. Changes to these Terms
We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.
14. Governing law
These Terms are governed by the laws of England and Wales, and the courts of England shall have exclusive jurisdiction.