WARNING — EDUCATIONAL CONTENT ONLY: This website provides general information about financial planning fundamentals and is not professional financial advice . The materials here are designed to educate and inform, not to guide personal financial decisions. Every individual's circumstances are unique — before you make any financial choices based on what you read here, consult with a qualified financial advisor who understands your specific situation and local requirements.
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Terms of Service

Last updated: April 17, 2026

Acceptance of Terms

These Terms of Service govern your use of nurmikalde.org and its services. By accessing and using our website, you agree to be bound by these terms and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services. We reserve the right to modify these terms at any time, and such modifications become effective upon posting to the website. Your continued use of our services following any changes constitutes your acceptance of the revised terms. These terms apply to all users, including those who contribute information, resources, or participate in our educational materials regarding financial planning, long-term goal setting, and emergency reserve building in Ireland.

User Obligations

Users of our website agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. Prohibited behaviour includes harassing or causing distress or inconvenience to any person; transmitting obscene or offensive content; disrupting the normal flow of dialogue within our website; or attempting to gain unauthorised access to our systems. You are responsible for maintaining the confidentiality of any login credentials and for all activities that occur under your account. We are not responsible for any loss or damage arising from your failure to protect your account information. You agree not to reproduce, duplicate, copy, sell, or exploit any content from our website without express written permission from us.

Intellectual Property Rights

All content provided on our website, including text, graphics, logos, images, audio clips, and software, is the property of nurmikalde.org or its content suppliers and is protected by international copyright laws. We grant you a limited licence to access and use our educational materials for personal, non-commercial purposes. This licence does not permit you to download, modify, copy, or distribute our content except as expressly authorised. Our trademarks, service marks, and logos may not be used without our prior written consent. Any unauthorised use of our intellectual property is prohibited and may result in legal action. We respect the intellectual property rights of others and expect our users to do the same when accessing our materials on financial planning and related topics.

Limitation of Liability

Our website and services are provided on an "as is" basis without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or completely secure. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services, even if we have been advised of the possibility of such damages. The educational materials provided are for informational purposes only and do not constitute professional financial advice. Users should consult qualified financial advisors before making investment or planning decisions based on our content.

Termination

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for conduct that we believe violates these terms or is otherwise harmful to our website, users, or business. Upon termination, your right to use our services ceases immediately. You remain responsible for any liabilities incurred before termination. We may also discontinue or modify any aspect of our services, including features or content, without notice or liability. Termination does not affect your rights to access any content you have legitimately downloaded or created prior to termination. We will not be liable to you or any third party for any termination of your access or for any modification, suspension, or discontinuation of our services or content.