Terms of use

Using 23percent club

23percent club offers educational content and tools free of charge. By using the site you agree to use it for personal, lawful, non-commercial learning.

No advice

All content is general education. It does not take your personal circumstances into account and is not investment, tax or legal advice. See our disclosures.

Accuracy

We work hard to keep lessons, rates and formulas correct and current, but we cannot guarantee that every figure is error-free or up to date. Verify important numbers before acting on them.

Your account

Accounts are stored on your device. You are responsible for keeping access to that device secure. We cannot recover an account or data that has been cleared from your browser.

Content

Lessons, articles, illustrations and the 23percent club name and logo belong to 23percent club. You may share links and short quotations with attribution.

Liability

To the extent permitted by law, 23percent club is not liable for any loss arising from decisions made using the site's content or tools.

Governing law

These terms are governed by the laws of India.