Terms of Service
Last updated: July 19, 2026
These Terms of Service govern access to and use of MindFolio.net (“MindFolio”, “we”, “us”, or “our”), including articles, guides, calculators, comparisons, forms, images, and other materials. By using the website, you agree to these terms. If you do not agree, please stop using the website.
1. Educational service
MindFolio is an independent financial-education and information website. We explain general concepts and present hypothetical scenarios to help readers learn. We do not act as your financial adviser, broker, accountant, lawyer, fiduciary, or tax professional.
2. No personalised advice or promise
Nothing on MindFolio is a recommendation to buy, sell, hold, or avoid a security, fund, financial product, or strategy. Content does not consider your income, objectives, risk tolerance, jurisdiction, tax position, time horizon, or other circumstances. Past performance is not a guarantee of future results. You are responsible for obtaining professional advice before making a decision.
3. Calculators and examples
Calculators produce estimates from user inputs and stated assumptions. Results may exclude taxes, fees, inflation, contribution changes, withdrawals, timing differences, market losses, and other factors. A result is not a forecast, guarantee, valuation, or personal recommendation. Check important calculations independently.
4. Accuracy and updates
We aim to publish clear, useful, and current information, but laws, rates, limits, products, markets, and third-party services can change. We do not guarantee that every page is complete, current, error-free, or suitable for your circumstances. If you identify an error, contact us with the page URL and supporting source.
5. Acceptable use
You must use the website lawfully and must not interfere with its operation, bypass security, probe non-public systems, submit malicious code, abuse forms, scrape at a harmful volume, impersonate another person, or use content to mislead others. We may restrict access where necessary to protect the site or users.
6. Intellectual property
Unless stated otherwise, MindFolio content is owned by MindFolio or its licensors. You may view and print pages for personal, non-commercial use. You may link to a page with accurate attribution, but may not copy, republish, sell, modify, or redistribute substantial portions without written permission or a legal exception.
7. Third-party links, advertising, and affiliates
MindFolio may link to third-party websites and may display advertising or use affiliate links. We do not control or guarantee third-party content, availability, privacy practices, products, or services. Advertising or affiliate relationships do not make a product suitable for you and do not replace independent research. Commercial relationships should not be understood as personalised financial advice.
8. Forms and communications
When you contact us, provide accurate information and do not send passwords, payment information, or confidential financial documents. A message does not create a client, advisory, fiduciary, employment, or professional relationship. We do not guarantee a response.
9. Availability and liability
The website is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, MindFolio and its owners, authors, contributors, and service providers are not responsible for loss arising from use of the website, reliance on content, calculator results, third-party links, advertising, interruption, or technical problems.
10. Changes and contact
We may update these terms when the website or applicable requirements change. Continued use after an update means you accept the revised terms. Questions may be sent to invest@mindfolio.net.