Terms of use.

1. Acceptance of these terms

By accessing or using novuleads.com (the "Site"), you agree to be bound by these Terms of Use and by our Privacy Policy. If you do not agree with any part of these terms, please do not use the Site.

2. Educational purpose — not financial advice

All content on the Site — calculators, quizzes, articles, videos and templates — is provided for educational and informational purposes only. Nothing on the Site constitutes financial, investment, tax or legal advice, and nothing takes your personal circumstances into account. Before making significant financial decisions, consult a licensed professional in your jurisdiction.

3. No warranties

Calculator results are estimates based exclusively on the inputs you provide and on simplified models that are described on each tool page. While we test our tools against worked examples, we do not warrant that any result, figure or explanation is accurate, complete or suitable for your situation. The Site is provided "as is" and "as available", without warranties of any kind, express or implied.

4. Intellectual property

The Site's content, design, code, brand and downloadable templates are owned by NovuLeads or its licensors. You may use downloaded templates for personal, non-commercial purposes. You may not scrape, republish, resell or redistribute Site content without prior written permission, except for brief quotations with attribution and a link to the source page.

5. Third-party links and advertising

The Site is free for readers and funded by display advertising served by third parties (such as Google AdSense). Advertisements and external links lead to websites we do not control; we are not responsible for their content, policies or practices. The presence of an advertisement is not an endorsement by NovuLeads. See our Privacy Policy for how advertising cookies work and how to control them.

6. Acceptable use

You agree not to misuse the Site — including attempting to disrupt its operation, probe or bypass security measures, use automated tools to overload our infrastructure, or use the Site for any unlawful purpose.

7. Limitation of liability

To the maximum extent permitted by applicable law, NovuLeads shall not be liable for any direct, indirect, incidental or consequential damages arising from your use of — or inability to use — the Site, including decisions made in reliance on any content, calculator output or template.

8. Changes to these terms

We may update these terms from time to time. The "last updated" date at the top of this page reflects the most recent version. Continued use of the Site after changes take effect constitutes acceptance of the revised terms.

9. Governing law

These terms are governed by the laws applicable at the Site operator's domicile, without regard to conflict-of-law principles, except where the mandatory consumer-protection rules of your country of residence apply.

10. Contact

Questions about these terms? Write to contact@novuleads.com or visit our contact page.