Terms of Use
Last updated: October 4, 2026
Welcome to Philanu ("we", "our", "us"). By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.
1. Informational Purposes Only
All content on this site — including articles, guides, calculators, and cost estimates — is provided for general educational and informational purposes only. It is not professional advice. Nothing on this site constitutes financial, tax, legal, lending, insurance, or contractor advice. Always consult a qualified licensed professional before making decisions based on information found here.
2. No Warranties
We work to keep information accurate and up to date, but we make no warranties or representations about the completeness, accuracy, reliability, or timeliness of any content. Figures, rates, prices, and regulations change over time; always verify current terms with the relevant provider or authority before acting.
3. Calculators and Estimates
Interactive calculators on this site run entirely in your browser using the inputs you provide. Results are illustrative scenarios, not quotes, offers, or guarantees. Example values are not live market data.
4. Intellectual Property
Unless otherwise noted, all text, images, and original graphics on this site are our property and may not be reproduced, republished, or redistributed without our prior written permission. You may share links to our pages and quote brief excerpts with attribution.
5. External Links
This site may link to third-party websites for reference. We do not control and are not responsible for the content, accuracy, or practices of external sites.
6. Acceptable Use
You agree not to misuse this site — including attempting to disrupt its operation, harvest content at scale, submit spam, or use it for any unlawful purpose.
7. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, this site or its content.
8. Changes to These Terms
We may update these Terms from time to time. Continued use of the site after changes take effect constitutes acceptance of the revised Terms.
9. Contact
Questions about these Terms: contact@philanu.net.