Terms Of Sevice

​F-Off-Fund.com

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Last Updated: [18 September 2025]

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1. Acceptance of Terms

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By accessing and using F-Off-Fund.com (the "Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

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2. Description of Service

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F-Off-Fund.com provides financial planning resources, calculators, assessment tools, guides, and educational content designed to help users build financial independence and make informed life decisions. Our services include but are not limited to:

• F-Off Fund Calculator

• Financial planning guides and resources

• Relationship assessment tools

• Educational content about financial independence

• Resources for navigating workplace and relationship challenges

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3. Educational Purpose and Disclaimers

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Financial Information Disclaimer

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• All financial calculators, tools, and information provided are for educational purposes only

• Content is not personalized financial, investment, legal, or tax advice

• Results from calculators are estimates based on information you provide

• We do not guarantee accuracy, completeness, or suitability of any information

• Always consult qualified financial professionals before making significant financial decisions

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Assessment Tools Disclaimer

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• Relationship assessment tools and quizzes are for educational and self-reflection purposes only

• These tools do not constitute professional counseling, therapy, legal, or medical advice

• Results are not diagnostic and should not replace professional consultation

• If you are in immediate danger or experiencing abuse, contact local authorities or domestic violence hotlines immediately

• National Domestic Violence Hotline: 1-800-799-7233

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General Content Disclaimer

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• Information may become outdated and should be independently verified

• We make no warranties about the accuracy or reliability of content

• Your use of any information is entirely at your own risk

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4. User Responsibilities

You agree to:

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• Use the Website for lawful purposes only

• Provide accurate information when using calculators and tools

• Not rely solely on Website content for major life or financial decisions

• Respect intellectual property rights

• Not attempt to harm or interfere with Website functionality

• Take full responsibility for your safety and well-being

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5. Privacy and Data Collection

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Information We May Collect

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• Calculator inputs for functionality (not stored permanently)

• Website usage analytics (anonymized)

• Voluntary contact information if you reach out to us

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How We Use Information

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• To provide and improve our services

• To understand user needs and preferences

• To communicate with you if you contact us

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Data Security

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• We implement reasonable security measures

• However, no internet transmission is 100% secure

• You provide information at your own risk

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Third-Party Services

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• We may use analytics services (Google Analytics, etc.)

• These services have their own privacy policies

• We are not responsible for third-party data practices

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6. Intellectual Property

Our Content

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• All Website content, design, logos, and materials are protected by copyright

• You may view and use content for personal, non-commercial purposes

• You may not copy, distribute, or modify content without written permission

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User-Generated Content

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• You retain ownership of any content you submit to us

• By submitting content, you grant us license to use it for Website purposes

• You represent that you own or have rights to any submitted content

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7. Limitation of Liability

Maximum Liability

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• Our liability is limited to the maximum extent permitted by law

• We are not liable for any indirect, consequential, or punitive damages

• Our total liability shall not exceed $100

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Specific Limitations

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• We are not responsible for decisions you make based on Website content

• We are not liable for technical errors, interruptions, or data loss

• We are not responsible for third-party website content or services

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8. Indemnification

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You agree to indemnify and hold harmless F-Off-Fund.com, its operators, and affiliates from any claims, damages, or expenses arising from:

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• Your use of the Website

• Your violation of these Terms

• Your violation of any third-party rights

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9. Website Availability and Modifications

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Service Availability

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• We strive for consistent availability but make no guarantees

• We may temporarily suspend service for maintenance or updates

• We are not liable for downtime or technical issues

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Content Changes

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• We may modify, update, or remove content at any time

• We may discontinue services without notice

• These Terms may be updated periodically

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10. Third-Party Links and Services

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• Our Website may contain links to third-party websites or services

• We do not endorse or control third-party content

• Third-party sites have their own terms and privacy policies

• Use of third-party services is at your own risk

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11. Emergency Situations

Important Safety Notice:

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• If you are in immediate physical danger, call local emergency services (911 in the US)

• For domestic violence support: National Domestic Violence Hotline 1-800-799-7233

• For mental health crisis: National Suicide Prevention Lifeline 988

• Our Website tools are not substitutes for professional emergency assistance

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12. Prohibited Uses

You may not:

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• Use the Website for illegal activities

• Attempt to gain unauthorized access to our systems

• Distribute malware or harmful code

• Harass other users or our team

• Violate any applicable laws or regulations

• Use the Website to provide professional services without proper licensing

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13. Geographic Limitations

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• This Website is operated from [South Africa]

• Content may not be appropriate for all jurisdictions

• You are responsible for compliance with local laws

• We make no representation that content is appropriate for your location

14. Termination

• We may terminate your access at any time, with or without cause

• You may stop using the Website at any time

• Termination does not relieve you of obligations under these Terms

• Provisions regarding liability, indemnification, and intellectual property survive termination

15. Dispute Resolution

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Governing Law

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These Terms are governed by the laws of [South Africa].

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Dispute Resolution Process

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1. Direct Communication: Contact us first to resolve issues informally

2. Mediation: If needed, we encourage mediation before litigation

3. Jurisdiction: Any legal proceedings must be brought in [South Africa]

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16. Severability

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If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.

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17. Contact Information

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For questions about these Terms of Service:

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Email: hmnortje@gmail.com
Website: F-Off-Fund.com

18. Acknowledgment

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By using F-Off-Fund.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Remember: Building financial independence and making major life changes requires careful consideration and often professional guidance. While we provide tools and resources to help, you are ultimately responsible for your decisions and safety.

These Terms of Service are effective as of [17 September 2025] and were last updated on [17 September 2025].