These Terms of Service ("Terms") govern your use of https://msnbis.com (the "Site"), including its free financial calculators and articles, and any professional services provided by MSN Business Solutions Ltd ("we", "us", "our"). By using the Site or engaging our services, you agree to these Terms.
1. Who we are
MSN Business Solutions Ltd is a company registered in England and Wales (company number 17379141), with its registered office at 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom. You can contact us at [email protected].
2. Use of the Site
You may use the Site and its calculators for your own personal or business purposes. You agree not to:
- use the Site in any way that breaches applicable laws or regulations;
- attempt to gain unauthorised access to the Site, its servers, or any connected systems;
- introduce malicious code, or interfere with the proper working of the Site;
- scrape, copy, or republish our content in bulk without written permission.
3. Financial tools and content are not advice
The calculators and articles on the Site are provided for general information and education only. They are estimates based on the inputs and assumptions stated, and they do not constitute financial, investment, tax, legal, or religious advice.
We are not a licensed financial adviser. You should not rely on any figure, tool output, or article as the basis for a financial decision without verifying it against official sources and, where appropriate, taking professional advice suited to your circumstances.
Where tools use live market or exchange-rate data, that data is sourced from third parties, may be delayed, and is provided without warranty of accuracy.
4. Professional services
Where we provide professional services (such as software development, data analysis, feasibility studies, research, or project management), those services are governed by a separate written agreement or statement of work agreed between us and the client. In the event of any conflict, that agreement takes precedence over these Terms for the services it covers.
5. Intellectual property
The Site, its design, text, calculators, and original content are owned by us or our licensors and are protected by intellectual-property laws. You may view and use them for their intended purpose, but you may not reproduce, distribute, or create derivative works from them without our permission, except as permitted by law.
6. Third-party links and advertising
The Site may contain links to third-party websites and may display advertising served by third parties (including Google). We are not responsible for the content, products, or practices of third-party sites, and a link or advertisement does not imply our endorsement.
7. Limitation of liability
To the fullest extent permitted by law, we exclude all warranties, express or implied, regarding the Site and its content. We will not be liable for any loss or damage — including loss of profit, data, or opportunity — arising from your use of, or reliance on, the Site, its tools, or its content.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence, or for fraud.
8. Changes to these Terms
We may update these Terms from time to time. The current version is always available on this page, and the date it was last updated is shown below. Continued use of the Site after a change constitutes acceptance of the revised Terms.
9. Governing law
These Terms are governed by the laws of England and Wales, and any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
10. Contact
Questions about these Terms can be sent to [email protected].
See also our Terms of Service, Privacy Policy, and Refund Policy.