Terms of Use

Using Koizen

By using koizen.co you agree to these terms. If you do not agree, please do not use the site. Koizen is operated by Lumify LLC.

Education only

Koizen content is general education and research, not financial, investment, tax, legal or mortgage advice. Nothing on the site is an offer, a recommendation or a promise of any result. See the Disclosures page for the details.

Your decisions

You are responsible for your own financial decisions. Please confirm figures with official sources and talk with a qualified professional before you act on anything you read here.

Accuracy

I work hard to keep Koizen accurate and up to date, but the site and its tools are provided as is and as available, without warranties of any kind. Rules, limits and rates change, and calculators give estimates only.

Limits of responsibility

To the fullest extent the law allows, Koizen and Lumify LLC are not liable for any loss or damage that comes from using the site, its tools or its content, or from relying on them.

Content and copying

Koizen articles, charts, tools and art are protected by copyright. You may share a link or a short quote with credit to Koizen. Please do not copy whole articles or resell Koizen materials.

Links to other sites

Koizen links to official sources and some partners. Those sites have their own terms and privacy policies, and Koizen is not responsible for them.

Changes and contact

If these terms change, the date above changes with it. Continuing to use the site means you accept the updated terms.

Questions: [email protected]