Official Platform Documentation

Terms of Service & User Agreement | Dunsel Economic Tools

Dunsel Economic Tools Last Reviewed: October 2026 dunsel.us

Last Modified & Legally Enforced: October 2026

1. Acceptance of Terms & Scope of Agreement

These Terms of Service (the "Agreement") constitute a legally binding agreement between you ("User", "you", or "your") and Dunsel Economic Tools ("Platform", "we", "us", or "our"), governing your access to and utilization of the website located at https://dunsel.us, including all calculation instruments, dynamic charts, amortization tables, and educational publications.

If you do not agree to all provisions contained within these Terms of Service, you must immediately discontinue your use of Dunsel Economic Tools. By continuing to access our digital portal, you represent and warrant that you are at least 18 years of age (or have reached the age of majority in your jurisdiction) and possess the legal capacity to enter into binding agreements.

2. Description of Platform Services & Educational Scope

Dunsel Economic Tools operates exclusively as a provider of self-directed financial calculation software, actuarial educational manuscripts, and interactive data visualization tools. Our digital platform offers computational engines covering residential mortgages, loan EMIs, mutual fund systematic investment plans (SIP), compound wealth accumulation, retirement projections, vehicle financing, lump-sum investments, inflation erosion, return on investment (ROI), and post-tax salary take-home pay.

Crucial Scope Notice: All digital calculators, tables, formulas, and charts available on Dunsel Economic Tools are designed strictly for general educational and illustrative guidance. Dunsel Economic Tools is not a licensed commercial lender, mortgage broker, depository institution, fiduciary investment advisor, or tax accounting practice. We do not provide personalized financial recommendations, originate debt, or execute investment orders.

3. Grant of Limited, Non-Exclusive License

Subject to your strict compliance with these Terms, Dunsel Economic Tools grants you a revocable, non-exclusive, non-transferable, personal license to access, view, and interact with the calculation instruments and content on https://dunsel.us for your personal, non-commercial use. This license does not convey any title, ownership, or intellectual property rights in the software or content.

4. Prohibited Uses & Infrastructure Protection

As a condition of using Dunsel Economic Tools, you agree not to engage in any of the following prohibited activities:

  • Automated Scraping & Denial of Service: Deploying automated spiders, scrapers, headless browsers, or programmatic bots to extract calculator logic, tables, or content in a manner that strains server infrastructure or degrades site performance;
  • Reverse Engineering: Attempting to decompile, reverse engineer, disassemble, or derive the underlying source code of our proprietary JavaScript calculation algorithms or server-side scripts;
  • Commercial Redistribution: Framing, embedding, mirroring, or republishing our calculators, educational articles, or styling frameworks within commercial software without prior written consent;
  • Security Tampering: Circumventing or attempting to bypass security headers, firewall rate limits, access control tokens, or administrative login barriers;
  • Unlawful Purposes: Utilizing our calculations to facilitate fraudulent schemes, deceptive lending operations, or violations of state, federal, or international consumer protection laws.

5. Intellectual Property Rights & Trademarks

All digital assets comprising Dunsel Economic Tools—including but not limited to the brand name, custom logo styling, algorithmic formulas, visual layout designs, user interface graphics, and educational editorial guides—are the exclusive intellectual property of Dunsel Economic Tools and are protected under international copyright, trademark, and trade secret laws.

You may print or download individual calculation summaries or amortization schedules strictly for your personal financial planning, provided you maintain all copyright, trademark, and proprietary attribution notices intact.

6. Third-Party Integrations & Advertising Links

Dunsel Economic Tools displays digital advertisements provided by third-party advertising networks, such as Google AdSense. We do not endorse, guarantee, or assume legal responsibility for any products, mortgage rates, investment funds, or commercial services advertised within these third-party ad units. Clicking on third-party advertisements directs you away from https://dunsel.us to external domains governed by their own independent terms and privacy policies.

7. Absolute Disclaimer of Warranties ("As-Is" Basis)

THE SOFTWARE, CALCULATORS, GRAPHS, CHARTS, AND CONTENT ON Dunsel Economic Tools ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Dunsel Economic Tools EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT;
  • WARRANTIES THAT THE CALCULATIONS WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE FROM NUMERICAL DRIFT;
  • WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY FINANCIAL OUTPUT OR AMORTIZATION SCHEDULE;
  • WARRANTIES THAT CALCULATION RESULTS REFLECT ACTUAL RATES, TERMS, OR OFFERS CURRENTLY EXTENDED BY COMMERCIAL LENDERS.

8. Comprehensive Limitation of Liability

IN NO EVENT SHALL Dunsel Economic Tools, ITS DIRECTORS, EMPLOYEES, MATHEMATICAL CONTRIBUTORS, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING DAMAGES FOR LOSS OF CAPITAL, LOST PROFITS, INVESTMENT LOSSES, BUSINESS INTERRUPTION, OR REGULATORY PENALTIES) ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO, USE OF, OR RELIANCE UPON ANY CALCULATOR, TABLE, OR CONTENT ON https://dunsel.us, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. User Indemnification Obligations

You agree to defend, indemnify, and hold harmless Dunsel Economic Tools, its operators, affiliates, and technical contributors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your breach of these Terms of Service; (b) your misuse of our computational tools; or (c) any financial decision, investment commitment, or loan transaction executed by you following your use of this platform.

10. Dispute Resolution, Mandatory Negotiation & Arbitration

In the event of any controversy, claim, or dispute arising out of or relating to these Terms or your use of Dunsel Economic Tools, the parties agree to first attempt in good faith to resolve the dispute informally for at least thirty (30) days by providing written notice to our legal desk at contact@dunsel.us.

If informal negotiation fails, any unresolved dispute shall be resolved through confidential, binding individual arbitration administered under the commercial rules of the American Arbitration Association (AAA) or equivalent international arbitration body, rather than in court. YOU EXPRESSLY WAIVE ANY RIGHT TO COMMENCE OR PARTICIPATE IN ANY CLASS ACTION, CONSOLIDATED PROCEEDING, OR REPRESENTATIVE LAWSUIT AGAINST Dunsel Economic Tools.

11. Mutual Waiver of Class Actions & Representative Proceedings

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE STATUTORY LAW, BOTH YOU AND Dunsel Economic Tools EXPLICITLY AGREE THAT ANY AND ALL DISPUTE RESOLUTION PROCEEDINGS, WHETHER IN BINDING ARBITRATION OR IN PERMITTED JUDICIAL COURTS, SHALL BE CONDUCTED STRICTLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION.

You expressly waive any right to assert, join, coordinate, or participate as a plaintiff, class representative, or class member in any class action litigation, private attorney general action, or collective arbitration against Dunsel Economic Tools, its operators, affiliates, or contributors. The arbitrator or judge shall have no authority to consolidate claims of multiple individuals, preside over any form of representative or class proceeding, or award relief on behalf of any person or entity not a named party to the specific individual arbitration.

12. Governing Law & Jurisdictional Venue

This Agreement and any dispute arising hereunder shall be governed by, construed, and enforced in accordance with the laws of England and Wales, United Kingdom, without regard to its principles of conflict of laws. Any legal action or judicial proceeding permitted outside of arbitration shall be brought exclusively in the High Court of Justice in London, England, UK, and both parties hereby consent to the personal jurisdiction and venue thereof.

13. Severability, Entire Agreement & Modifications

These Terms of Service constitute the entire agreement between you and Dunsel Economic Tools regarding your use of https://dunsel.us. If any provision of these Terms is deemed unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall continue in full force and effect. We reserve the right to modify these Terms at any time, with updates indicated by the "Last Modified" date at the top of this document.