Terms of Use

These terms govern your use of Investory Tools, operated by YHVH Cyrus Enterprises Pte Ltd. By using the site you agree to them.

Educational purpose

Content and tools are general information for education only.

No financial advice

Nothing on the site is personalized investment, financial, legal or tax advice, or a recommendation to buy or sell any investment.

Intellectual property

Site content, calculators, diagrams and design belong to YHVH Cyrus Enterprises Pte Ltd unless stated otherwise, and may not be copied without permission. Brief quotation with attribution and a link is permitted.

Calculator limitations

Calculators produce hypothetical results from your inputs and may contain errors. Verify anything important independently.

Third-party services

We link to products we don't control and aren't responsible for their content, pricing, availability, security or legality in your country.

Affiliate relationships

Some links may be affiliate links, as explained in our affiliate disclosure.

Availability

We don't guarantee uninterrupted or error-free operation of the site.

Limitation of liability

To the extent permitted by law, YHVH Cyrus Enterprises Pte Ltd is not liable for any loss arising from use of the site or reliance on its content or tools.

Governing law

These terms are governed by the laws of Singapore.

Last updated: 24 September 2026