Legal
Terms of Service
Last updated: November 1, 2026
⚠️ Important — YMYL Disclaimer
MetricLedger provides calculators and benchmarks for informational and educational purposes only. No content on this website constitutes financial, investment, legal, tax, insurance, or professional advice. Always consult licensed professionals before making financial decisions. Results may differ from actual outcomes based on individual circumstances.
1. Acceptance of Terms
By accessing and using MetricLedger ("the Service") at metricledgerhq.com, you accept and agree to be bound by these Terms of Service. If you do not agree, please do not use our Service.
2. Description of Service
MetricLedger provides free, browser-based financial and analytical calculators covering:
- Real estate investment and mortgage analysis
- AI and automation ROI estimation
- Cloud infrastructure cost comparison
- Commercial and cyber insurance premium estimation
- International tax and digital nomad visa eligibility
All calculations are performed client-side in your browser using publicly available formulas and benchmark data. We do not provide personalized professional advice.
3. Disclaimer of Warranties (YMYL)
3.1 No Financial Advice: Calculator results are estimates only. They do not account for your complete financial situation, risk tolerance, or personal circumstances. Past performance is not indicative of future results.
3.2 No Legal Advice: Content related to insurance, contracts, visa eligibility, or business structure does not constitute legal advice. Laws vary significantly by jurisdiction.
3.3 No Tax Advice: Tax calculations are estimates based on simplified models. Tax codes change frequently. Consult a licensed CPA or tax attorney for your specific situation.
3.4 Data Accuracy: While we strive to maintain accurate 2026 benchmarks, market conditions change rapidly. MetricLedger makes no guarantee of the accuracy, completeness, or timeliness of any information.
4. Limitation of Liability
To the fullest extent permitted by law, MetricLedger, its operators, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages resulting from your use of this Service or reliance on any calculator results, including but not limited to financial losses, missed investment opportunities, or legal liability.
5. Intellectual Property
All content, branding, calculator logic, and benchmarking data on MetricLedger are the intellectual property of MetricLedger and are protected under applicable copyright laws. You may not reproduce, distribute, or commercially exploit our content without prior written permission.
6. Acceptable Use
You agree not to:
- Use our Service for any unlawful purpose
- Attempt to scrape, reverse-engineer, or automate bulk requests
- Interfere with or disrupt the integrity of our infrastructure
- Use our tools to generate misleading financial representations
- Frame or mirror our website without permission
7. Advertising
MetricLedger displays advertisements through Google AdSense. We do not endorse any advertised products or services. Clicking on advertisements is at your own risk.
8. Modifications to Terms
We reserve the right to modify these Terms at any time. Continued use of the Service after any changes constitutes acceptance of the new Terms. The "Last updated" date reflects when changes were last made.
9. Governing Law
These Terms are governed by applicable international law. Any disputes shall be resolved through good-faith negotiation before formal legal proceedings.
10. Contact
For questions about these Terms, contact us at contact@metricledgerhq.com.