1. Informational Purpose Only. These calculators are provided as free, general educational tools. Nothing they produce constitutes legal, tax, accounting, financial, or investment advice, and no output should be relied upon as a substitute for guidance from a qualified professional familiar with your specific situation. Using these calculators does not create any attorney-client, accountant-client, fiduciary, brokerage, or other professional relationship between you and The Ihara Collective.

2. Your Responsibility. Results depend entirely on the information you enter and the assumptions built into the calculators. You are responsible for the accuracy of what you input, for verifying any results independently, and for consulting your own tax, legal, or financial advisors before making any decision.

3. No Warranties. The Ihara Collective makes no representations about the accuracy, completeness, or fitness of either calculator for your particular circumstances, and does not warrant that results will be error-free or applicable to your actual tax or investment position. Tax laws and tax rates, change frequently. The calculators reflect information available at the time of publication to our site, and may not account for subsequent changes in law or regulations.

4. Limitation of Liability. To the fullest extent permitted by law, The Ihara Collective is not liable for any losses, damages, or costs, direct or indirect, arising from your use of, inability to use, or reliance on either calculator or its output. Nothing in these terms limits liability for fraud or willful misconduct.

5. Intellectual Property & Permitted Use. The calculators and all underlying logic, design, and content belong to The Ihara Collective. You are granted a limited, non-exclusive, revocable right to use them for your own personal or internal business purposes. You may not copy, resell, scrape, reverse-engineer, or use either calculator for any unlawful purpose or in any manner that could harm The Ihara Collective or other users.

6. Marketing Consent. By providing your phone number and clicking “I Agree,” you agree to receive marketing and promotional calls and text messages from The Ihara Collective at the number provided, including messages sent using an automatic telephone dialing system or prerecorded/artificial voice. This Marketing Consent is not a condition to use of these online informational tools. Message and data rates may apply. Message frequency varies. Reply STOP to opt out.

7. Severability. If any provision of these terms is held invalid, illegal, or unenforceable under applicable law, the remaining provisions shall continue in full force and effect.

8. Updates. The Ihara Collective may modify or discontinue either calculator or these terms at any time. Continued use after an update constitutes acceptance of the revised terms.

9. Governing Law. These terms are governed by the laws of Hawaii, without regard to its conflict-of-law principles, and any disputes shall be resolved exclusively in the courts of the State of Hawaii.