These Terms of Service ("Terms") govern your access to and use of the website submend.com (the "Site"), operated by MsquaredDomains on behalf of SubMend ("we," "us," or "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
The calculator and all content on SubMend provide estimates for educational purposes only. Nothing on this Site constitutes professional financial, investment, legal, or tax advice. Always consult a qualified financial advisor before making financial decisions.
SubMend provides a free educational tool for personal finance purposes. You may use the Site for lawful, personal, non-commercial purposes only. You agree not to:
The Site is provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. SubMend and MsquaredDomains do not warrant that:
The calculator projections on the Site are based on mathematical models using publicly available interest rate data. These projections are illustrative only and are not guarantees of future results. Actual returns will vary based on specific products, rates, and individual circumstances.
MsquaredDomains is not responsible for any financial decisions made based on the tool's output. To the fullest extent permitted by applicable law, MsquaredDomains and SubMend shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on any information presented on the Site — including any financial decisions made based on calculator outputs.
Before making any financial decisions based on information from this Site, you should consult with a qualified financial advisor who understands your personal financial situation.
SubMend participates in affiliate marketing programs. Some links on the Site — particularly in the Toolbox section — are affiliate links. If you click on an affiliate link and make a purchase or sign up for a service, SubMend may receive a commission from the affiliate partner at no additional cost to you.
Affiliate relationships do not influence our editorial content or our selection of which tools to feature. Our goal is to recommend tools that are genuinely useful for the subscription audit process. For a full description of our affiliate practices, please read our Affiliate Disclosure.
All content on the Site — including text, graphics, logos, and code — is the property of SubMend / MsquaredDomains or its content providers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.
The SubMend name, logo, and "Audit Your Wealth Leaks" tagline are proprietary marks of MsquaredDomains.
The Site contains links to third-party websites and services. These links are provided for your convenience only. SubMend has no control over the content, privacy practices, or terms of third-party sites and accepts no responsibility for them. Visiting a third-party site through a link on SubMend is at your own risk.
We may update these Terms from time to time. Updated Terms will be posted on this page with a revised effective date. Your continued use of the Site following any changes constitutes your acceptance of the updated Terms.
These Terms are governed by and construed in accordance with the laws of the United States. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located within the United States.
If you have questions about these Terms, please contact us at submend.audit@gmail.com or via submend.com. We will respond to all inquiries within 30 days.