Terms of Use

Last updated 30 August 2026

These terms apply to this site and the applications listed on it. By using either, you accept them.

What this site is

A personal collection of practical tools, references and experiments. Applications are provided as they are, free to use, and may be changed, moved or withdrawn at any time. Some are demonstrations rather than finished products, and availability is not guaranteed.

Guidance, not advice

The reference material and calculators here are general information only. Figures such as estimated take-home income are approximations based on the inputs given, and are not financial, tax, legal or professional advice. Check anything important against an authoritative source, or with a qualified professional, before relying on it.

Your own records

Where an application stores information you enter, keep your own copy of anything you would not want to lose. No guarantee is made that data held in an application will be retained or recoverable.

Content and ownership

The content, branding and design of this site belong to JL Analytics Group unless stated otherwise. You are welcome to use the applications and to quote or share the material with attribution; please do not republish it as your own.

External links

Applications open in a new tab and some are hosted on third-party platforms. Links to any site outside this one are not an endorsement, and those sites have their own terms.

Changes and contact

These terms may be updated from time to time, with the date above revised when they are. Questions can go to info@jlanalyticsgroup.com.