1. Introduction and Purpose

IntuitiveCalc provides free online financial calculators and educational content to help Australians make informed financial decisions. This Acceptable Use Policy outlines the standards of behavior we expect from users and the types of activities that are prohibited when using our services.

We have established this Policy to:

• Ensure our services remain available and functional for all users
• Protect the security and integrity of our systems
• Comply with applicable Australian laws and regulations
• Maintain a positive and respectful environment for all visitors
• Protect intellectual property rights

2. Permitted Use

You are permitted to use IntuitiveCalc services for the following purposes:

2.1 Personal Financial Planning

• Calculating loan repayments, interest costs, and mortgage scenarios
• Estimating tax obligations and superannuation projections
• Planning savings goals and investment returns
• Comparing financial options for personal decision-making
• Understanding stamp duty, capital gains, and other financial concepts

2.2 Educational Purposes

• Learning about Australian financial systems and regulations
• Teaching financial literacy concepts
• Academic research and study (with appropriate attribution)
• Training and professional development

2.3 Professional Use

• Financial advisors may use calculators to assist client discussions (not as formal advice)
• Mortgage brokers may use for preliminary estimates
• Accountants may use for quick calculations and illustrations
• Real estate professionals may use for property-related estimates

3. Prohibited Activities

The following activities are strictly prohibited when using IntuitiveCalc:

3.1 Security Violations

• Attempting to gain unauthorized access to our systems, servers, or databases
• Interfering with or disrupting the security of our services
• Attempting to probe, scan, or test the vulnerability of our systems
• Breaching or bypassing any security or authentication measures
• Using any automated system to access our services in a manner that exceeds reasonable use
• Introducing malware, viruses, trojans, or other harmful code

3.2 Service Disruption

• Overloading our infrastructure with excessive requests (DDoS attacks)
• Interfering with any user's ability to access our services
• Using automated scripts, bots, or crawlers that adversely impact our services
• Attempting to reverse engineer, decompile, or disassemble our software
• Modifying or creating derivative works based on our services without permission

3.3 Data Misuse

• Scraping or harvesting data from our website for commercial purposes without authorization
• Collecting information about other users
• Misrepresenting our calculator results as official financial advice
• Using our content to train AI/ML models without express written permission

3.4 Intellectual Property Violations

• Copying, reproducing, or redistributing our content without proper attribution
• Using our branding, logos, or trademarks without authorization
• Framing or embedding our calculators in ways that misrepresent their source
• Claiming ownership of our original content or calculations

3.5 Illegal or Harmful Activities

• Using our services to facilitate any illegal activity
• Tax evasion schemes or money laundering activities
• Fraud or misrepresentation
• Activities that violate Australian Consumer Law
• Any activity that could harm IntuitiveCalc's reputation or operations

3.6 Commercial Exploitation

• Reselling access to our services
• Using our calculators as part of a paid service without authorization
• Creating competing services using our methodology without permission
• Excessive commercial use without prior arrangement

4. User Responsibilities

When using IntuitiveCalc, you are responsible for:

4.1 Accuracy of Information

• Providing accurate information when using our calculators
• Understanding that results are estimates based on the inputs you provide
• Verifying important calculations with qualified professionals
• Not relying solely on our calculators for major financial decisions

4.2 Compliance

• Complying with all applicable Australian laws and regulations
• Respecting intellectual property rights
• Using our services in good faith
• Reporting any security vulnerabilities responsibly

4.3 Account Security

• If we implement user accounts in the future, you will be responsible for maintaining the security of your credentials
• Not sharing access with others
• Notifying us immediately of any unauthorized access

5. Fair Use Guidelines

To ensure our services remain available to all users:

5.1 Reasonable Access

• Use our calculators in a manner consistent with normal individual usage
• Avoid excessive automated requests
• Allow reasonable time between calculations
• Use appropriate caching for repeated calculations

5.2 Content Sharing

• You may share links to our content on social media and websites
• Attribution is required when quoting or referencing our content
• Screenshots may be used for personal, educational, or editorial purposes with attribution
• Bulk reproduction requires written permission

6. Enforcement

IntuitiveCalc reserves the right to:

6.1 Monitoring

• Monitor usage patterns to detect violations of this Policy
• Investigate suspected violations
• Take appropriate action against violators

6.2 Consequences of Violations

• Warning and request to cease the violating activity
• Temporary suspension of access
• Permanent banning from our services
• Legal action where appropriate
• Reporting to relevant authorities for serious violations

6.3 IP Blocking

We may block IP addresses or ranges that are associated with:

• Automated abuse of our services
• Security threats
• Repeated violations of this Policy
• Known malicious actors

7. Reporting Violations

If you become aware of any violation of this Policy, please report it to us:

• Email: support@intuitivecalc.com
• Include details of the violation and any relevant evidence
• We will investigate all reports and take appropriate action

8. Security Researchers

If you are a security researcher and discover a vulnerability:

• Please report it responsibly to security@intuitivecalc.com
• Do not exploit or publicize the vulnerability
• Allow reasonable time for us to address the issue
• We appreciate responsible disclosure and may acknowledge your contribution

9. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for the content or practices of these external sites. When you leave IntuitiveCalc, you should review the acceptable use policies of those sites.

10. Disclaimer

11. Changes to This Policy

We may update this Acceptable Use Policy from time to time. Changes will be posted on this page with an updated revision date. Continued use of our services after changes are posted constitutes acceptance of the modified Policy.

12. Governing Law

This Policy is governed by the laws of New South Wales, Australia. Any disputes arising from this Policy will be subject to the exclusive jurisdiction of the courts of New South Wales.

13. Contact Information

For questions about this Acceptable Use Policy, please contact us:

• Email: support@intuitivecalc.com
• Website: https://intuitivecalc.com