By accessing or using ZAQORI (zaqori.com), you agree to be bound by these Terms of Service. If you do not agree, please do not use the site.

1. Use of the Website

ZAQORI provides educational tools, calculators, articles, and related content. You may use the site for personal, non-commercial reflection and planning. You agree not to:

2. Educational Purpose

All tools, calculators, simulators, and articles on ZAQORI are provided for educational and informational purposes only. They are designed to help you think about long-term decisions — not to tell you what to do.

3. No Professional Advice

ZAQORI does not provide:

The projections, calculations, and articles on this site are not a substitute for advice from a qualified professional. Always consult a licensed professional before making significant financial, medical, legal, or personal decisions.

4. No Guaranteed Outcomes

All tools produce estimates based on the inputs you provide. Real-world outcomes depend on many factors that no calculator can model perfectly. ZAQORI does not guarantee any specific result from using its tools or reading its content. Past performance, hypothetical returns, and projected values are not promises of future results.

5. User Responsibility

You are responsible for:

ZAQORI strongly encourages you to verify important calculations and assumptions independently and to consult a qualified professional when appropriate.

6. Intellectual Property

All content on ZAQORI — including text, graphics, logos, icons, code, calculators, and articles — is the property of ZAQORI or its content creators and is protected by copyright and other applicable laws.

You may:

You may not copy, reproduce, republish, or distribute substantial portions of the site without prior written permission.

7. External Links

ZAQORI may link to external websites for additional reading or resources. We do not endorse, control, or guarantee the content, products, or services on those third-party sites. Following external links is at your own risk.

8. Advertising

ZAQORI may display advertisements served by third-party networks, including Google AdSense. We do not control the specific ads shown. Advertisers are responsible for the content of their ads. See our Privacy Policy for how advertising cookies work.

9. Limitation of Liability

To the maximum extent permitted by law, ZAQORI, its operators, and contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the site, including but not limited to financial losses, health outcomes, or missed opportunities.

The site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied.

10. Changes to the Terms

We may update these Terms of Service from time to time. When we do, we will revise the "Last updated" date above. Continued use of the site after changes constitutes acceptance of the new terms.

11. Termination

We reserve the right to restrict or terminate access to ZAQORI for any user who violates these Terms or uses the site in a way that could harm others or the operation of the service.

12. Governing Law

These Terms are governed by the laws applicable to the operator of ZAQORI, without regard to conflict of law principles. Any disputes shall be resolved in the appropriate courts of that jurisdiction.

13. Contact

If you have questions about these Terms, please contact us:

Thank you for using ZAQORI. Use these tools to think — then go live your life.