Legal
Terms & Disclaimer
Last updated: July 25, 2026
Margins & Me gives you free tools and plain-English education to help you understand your numbers. Using the site means you're okay with a few straightforward things. We've kept them short and readable.
The numbers are estimates - verify before you act
Every tool here reads a report you give it and does the math on that. The tools are built to be careful: they add up only the figures already in your file, show their work, and stop rather than guess when something doesn't reconcile. But they run on AI, and AI can be wrong. Treat every number as an estimate to check, not a final answer. Before you act on anything - a fee, a payout, a storage cost, a price - verify it against your own records. You are responsible for your own business decisions. This is the same habit the tools are built around: check the numbers yourself.
This is education, not professional advice
The tools and content are here to help you understand your business. They are not tax, accounting, investment, or legal advice, and using them doesn't create a professional or client relationship. For advice about your specific situation, talk to a qualified professional who knows your business.
Provided as is
The tools and content are provided as is, without warranties of any kind. We work hard to keep them accurate and useful, and we can't promise they are error-free or right for every situation. You use them at your own risk. To the fullest extent the law allows, Margins & Me is not liable for any loss that comes from using the site or acting on its outputs - which is exactly why we ask you to verify the numbers before you act.
The content is ours
The tools, prompts, writing, and design on this site are the intellectual property of Margins & Me. You are welcome to use the tools for your own business - that is what they are for. Please don't copy, resell, or repackage them as your own.
Third-party services
The Amazon tools run inside AI services like ChatGPT, Claude, and Gemini, and the site relies on services like Kit and Web3Forms. Those come with their own terms, and we don't control how they work.
Changes
If we update these terms, we'll change the date at the top of this page. Using the site after that means the update is okay with you.
How we handle your data
We collect very little, and the financial data you run through the tools never comes to us at all. For the full picture, read our Privacy Policy.
Questions
Email hello@marginsandme.com. A real person reads every message.