Terms of Service

These terms govern your use of Dutch Defend. By using the app or website, you agree to these terms.

Local-First Data Model

Your core financial profile (salary, savings, debts, contracts, windfalls, visa dates) is stored on your device by default. Dutch Defend does not require an account or cloud sync. Removing the app from your device removes the locally stored data. You own your profile data.

Financial Simulation Disclaimer

Dutch Defend provides educational and planning simulations only. Calculations are estimates and do not constitute tax, legal, accounting, immigration, mortgage, or financial advice. You remain responsible for validating decisions with qualified professionals.

The app's rule assumptions are documented in the Rules & Sources screen within the app. Rules reflect Dutch tax law approximations as understood at the time of the app version you have installed. Rules may be updated when law changes, but may lag behind official guidance. Verify current rules with official sources or a qualified tax advisor before acting on any estimate.

Monetization Disclosure

Dutch Defend may include affiliate partnerships and premium paid features. This means:

• Some outbound partner links may generate referral compensation.
• Some features may require payment (for example reports or premium toolkits).
• Consent-gated tracking may be used to support monetization analytics.

Payments and Refunds

Paid purchases are processed by third-party payment providers. Billing terms, renewal behavior, and refund policies depend on the product and purchase channel and are shown at checkout. If a refund policy applies, it will be disclosed before purchase confirmation.

Exporting and Sharing

When you use Calendar Export or the Shareable Defense Summary:

• You are responsible for the content once it leaves the app via the share sheet.
• Calendar Export produces plain-text output only. Dutch Defend does not write directly to your calendar or any external calendar service.
• Shared summaries reflect your current app inputs at the time of sharing. Verify accuracy before sharing with advisors, partners, or third parties.
• Dutch Defend does not upload or store the content you choose to share.

Acceptable Use

You agree not to misuse Dutch Defend, interfere with service operations, attempt unauthorized access, or use the platform for unlawful purposes.

Liability Limitations

To the maximum extent allowed by law, Dutch Defend and its operators are not liable for losses arising from reliance on simulation outputs, third-party service outages, or partner content.

Changes to Terms

We may update these terms as features and legal requirements evolve. Continued use after updates means you accept the revised terms.

Contact

For questions about these terms, contact support through the app or via the support page.