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Terms of Use

By using AYA.AD you agree to these terms. If you do not agree, please do not use the site.

Educational purpose

Calculators, scores, scenarios and articles are for education and general information only. They are not investment, tax, legal or financial advice. Results are based on assumptions you provide and simplified models.

No guarantees

We do not guarantee accuracy, completeness, future returns, or that any strategy will achieve financial freedom. Past performance does not predict future results.

Professional advice

Consult qualified professionals before making financial, tax or legal decisions.

Third-party services

We may link to third-party platforms (including future affiliate partners). We are not responsible for their content, products or policies.

Limitation of liability

To the fullest extent permitted by law, AYA.AD and its operators are not liable for damages arising from use of the site or reliance on its outputs.

Changes

We may update these terms. Continued use after changes constitutes acceptance of the updated terms.

Financial Freedom Calculator