Terms of Use

Last updated: 20 March 2026

These Terms of Use ("Terms") govern your access to and use of steadyinvestor.eu (the "Website").

By accessing or using the Website, you agree to these Terms. If you do not agree, you should not use the Website.

1. Who operates this Website

The Website is operated by:

• Matti Ikäläinen
• Country: Finland
• Email: matti.ikalainen88@gmail.com

2. Purpose of the Website

The Website provides educational and informational content related to long-term investing, saving, financial concepts, and related tools and resources.

The Website is intended for general information purposes only.

3. No financial advice

Nothing on the Website constitutes:

• investment advice
• financial advice
• tax advice
• legal advice
• personal recommendation
• offer or solicitation to buy or sell any financial instrument

All content is provided for general educational and informational purposes only.

You are solely responsible for your own financial decisions. You should consider your own circumstances and, where appropriate, seek advice from a qualified professional before making financial, legal, or tax decisions.

4. No client relationship

Your use of the Website does not create any advisory, fiduciary, client, contractor, or professional relationship between you and the Website operator.

Submitting a form, sending a message, or using the Website does not create any obligation to provide services, reply, or enter into any relationship.

5. Accuracy and availability

Reasonable efforts may be made to keep the Website content accurate and up to date, but no guarantee is given that the Website or any content on it is:

• complete
• accurate
• reliable
• current
• suitable for your specific situation
• continuously available
• free of errors or omissions

Content may be changed, updated, corrected, or removed at any time without notice.

6. Tools and calculators

The Website may include tools, calculators, simulations, examples, illustrations, or similar utilities.

These are provided for general educational and illustrative purposes only.

Tool outputs:

• may be based on assumptions
• may be simplified
• may not reflect real-world fees, taxes, inflation, market conditions, delays, spreads, or personal circumstances
• should not be relied upon as a guarantee, forecast, or recommendation

You use any tool or calculator on the Website at your own risk.

7. No warranties

To the fullest extent permitted by applicable law, the Website and its content are provided "as is" and "as available", without warranties of any kind, whether express or implied.

This includes, without limitation, implied warranties of:

• merchantability
• fitness for a particular purpose
• non-infringement
• accuracy
• availability
• security

No warranty is given that the Website will be uninterrupted, secure, or free from bugs, errors, or harmful components.

8. Limitation of liability

To the fullest extent permitted by applicable law, the Website operator shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with:

• your use of the Website
• reliance on Website content
• use of tools, calculators, examples, or simulations
• errors or omissions in content
• interruptions, delays, or unavailability
• third-party links, services, or content

This applies even if the possibility of such damages was foreseeable.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

9. Third-party links and services

The Website may contain links to third-party websites, tools, services, or content.

These links are provided for convenience only. The Website operator does not control and is not responsible for third-party content, availability, privacy practices, terms, or actions.

Your use of third-party websites or services is at your own risk and subject to their own terms and policies.

10. Intellectual property

Unless otherwise stated, the Website and its content, including but not limited to text, structure, design, graphics, branding, original copy, and compilations, are owned by or licensed to the Website operator and protected by applicable intellectual property laws.

You may:

• view the Website
• print or save reasonable excerpts for personal, non-commercial use
• share links to public pages

You may not, without prior written permission:

• reproduce, republish, copy, distribute, or commercially exploit substantial parts of the Website
• create derivative works from protected content
• scrape or systematically extract Website content for commercial purposes
• remove notices relating to ownership or rights

11. Acceptable use

You agree not to:

• use the Website unlawfully
• interfere with the operation or security of the Website
• attempt unauthorised access to systems or infrastructure
• use the Website in a way that could damage, disable, overload, or impair it
• submit malicious code, spam, or abusive content through forms or other features
• misuse the Website's content, tools, or contact channels

12. Privacy and cookies

Your use of the Website is also subject to the applicable:

• Privacy Policy
• Cookies Policy
• Disclaimer

These documents explain how personal data, cookies, and content limitations are handled.

13. Changes to the Website or these Terms

The Website may be changed, suspended, limited, or discontinued at any time, with or without notice.

These Terms may also be updated from time to time. The latest version will always be posted on this page with the updated date shown at the top.

By continuing to use the Website after updated Terms are posted, you accept the updated Terms.

14. Governing law

These Terms are governed by the laws of Finland, without regard to conflict of law principles.

15. Contact

If you have questions about these Terms, you can contact: matti.ikalainen88@gmail.com