ThinkVault Tools
Terms & Conditions
Welcome to ThinkVault Tools. By accessing this website or using any of our calculators, reference datasets, or written guides, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please discontinue use of the site.
Last updated: 19 October 2026
1. Scope of Service & Permitted Use
All calculators, simulations, historical exchange-rate or inflation snapshots, and explanatory copy on ThinkVault Tools are provided free of charge for personal education, preliminary planning, and informational reference only. ThinkVault Tools is not a licensed bank, registered investment adviser, tax consultancy, actuarial firm, or legal practice. You may freely use our tools for personal and internal business planning, but you may not scrape, mirror, frame, or systematically harvest our code, interface layouts, or original copy for commercial redistribution without prior written consent.
2. Intellectual Property & Attribution Rules
The user interface, client-side calculation engines, custom datasets, and localized editorial content on ThinkVault Tools are protected by copyright and applicable intellectual property laws. You are welcome to share calculation summaries using our built-in copy or social sharing buttons. Journalists, researchers, and content creators citing our outputs should credit 'ThinkVault Tools' with a direct link back to the relevant calculator URL.
3. Limitation of Liability, Changes & Governing Law
ThinkVault Tools provides all tools on an 'as-is' and 'as-available' basis without warranties of any kind. Actual mortgage approvals, bank interest accrual conventions, tax assessments, foreign exchange spreads, and brokerage fees vary by institution and market conditions. To the fullest extent permitted by law, ThinkVault Tools shall not be liable for any direct, indirect, incidental, or consequential financial loss arising from reliance on any output generated on this platform. These Terms are governed by the laws of the Hong Kong Special Administrative Region.