The terms that apply to browsing marginifinancial.com itself — its articles, calculators, and contact forms. ClarityApp, the software, has its own separate Terms.
This page covers your use of the general marginifinancial.com website: the home page, blog, free video series, free checklist and brief, profit and cash-flow calculators, FAQ, about and "why Margini" pages, and the contact/consulting pages. It's written by Margini Labs, LLC, a Maryland limited liability company doing business as Margini Financial (“Margini Labs,” “we,” “us”), the owner and operator of marginifinancial.com.
It does not cover ClarityApp, the software product marginifinancial.com describes and links to. ClarityApp has its own Terms of Use and Privacy Policy, which apply once you sign in to or use the app itself. By using marginifinancial.com, you agree to these Website Terms; if you go on to use ClarityApp, its own separate terms take over for that part of your experience.
If something here doesn't match what you actually experience, email hello@marginifinancial.com and we'll fix the page or the site, whichever is wrong.
The calculators, articles, videos, checklists, and briefs on this site are built to be genuinely useful rules of thumb for a small business owner, not a substitute for advice about your specific situation. Nothing on marginifinancial.com is individualized tax, legal, accounting, investment, or financial planning advice, and using a calculator or reading an article does not create an accountant-client or advisor-client relationship with Margini Labs or its founder — even though the site was built by a licensed CPA. For a decision with real financial, tax, or legal consequences, consult a professional who can review your specific numbers.
Calculator results depend entirely on the numbers you type in; we don't collect or store what you enter into a calculator unless a specific tool says otherwise on that page.
Separately from the free content on this site, Margini Financial plans to offer paid consulting and coaching services described on the Contact page — these are coming soon and not yet available to purchase. Joining a waitlist there is not an engagement of any kind; if and when these services launch, a paid engagement will only exist once we've agreed on scope and price in writing, governed by its own separate agreement, not these Website Terms.
Unless otherwise noted, the text, design, calculators, templates, videos, and other content on marginifinancial.com belong to Margini Labs. You're welcome to use the site and its free tools for your own business's benefit. Please don't copy substantial portions of the site, redistribute our templates or articles as your own, or attempt to extract a calculator's underlying logic for a competing product.
This site links to third parties from time to time — for example, ClarityApp's own subdomain, social media, or a resource we think is useful. We don't control those destinations and aren't responsible for their content or practices. Following a link away from marginifinancial.com is subject to that destination's own terms.
We try to keep this site accurate and available, but it's provided "as is" and "as available," without a guarantee that it will be error-free, uninterrupted, or perfectly current — pricing, features, and article content can change as the business and ClarityApp evolve. We may modify, suspend, or discontinue any part of the site at any time.
This website and its content are provided "as is," without warranties of any kind, to the fullest extent the law allows.
To the fullest extent the law allows, Margini Labs is not liable for indirect, incidental, consequential, or special damages arising from your use of, or inability to use, this website or its calculators. Where liability isn't fully excluded by the above, our total liability to you arising from your use of this website will not exceed $100. Some jurisdictions don't allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you.
These terms are governed by the laws of the State of Maryland, without regard to conflict-of-law principles.
We may update this page as the site changes. The version at marginifinancial.com/website-terms is the current one; material changes will be reflected here with an updated date.
Questions about these terms: hello@marginifinancial.com. See also our Website Privacy Policy for what the general site collects, and ClarityApp's Terms of Use for the software itself.
Last updated September 19, 2026.