Disclaimer and terms of service
Disclaimer
Puls provides financial education and calculators. It does not provide personalised investment, legal or tax advice, and it does not recommend buying or selling any specific security.
Calculator results are estimates based on the values you enter and simplified assumptions (for example, a fixed interest rate and fixed monthly payments). Real outcomes can differ.
Before making financial decisions, consider speaking with a licensed professional in your country.
Terms of service
Last updated 29 October 2026
These terms apply when you use the Puls website, its calculators, guides, videos, trackers and account. By using Puls you agree to them. If you don't agree, please don't use the site.
1. What Puls is
- Puls is a free education site. It explains how money works and gives you calculators and trackers to try your own numbers.
- Puls is not a bank, broker, adviser or fund manager. It never holds, moves or invests your money, and it never asks for card or bank details.
- Nothing on Puls is a recommendation to buy, sell or hold anything. The Disclaimer above applies to everything on the site.
2. Your account
- You need an account only to save scenarios and use trackers. Use your own email address and keep your password or Google account secure.
- An account is for one person. You are responsible for what is done with it.
- You can delete your account at any time from the Account page. That removes your data as described in the Privacy page.
- We may suspend or close an account that breaks these terms or puts the site or other people at risk.
3. Using the site fairly
- Don't try to break, overload or get around the site's security or limits, and don't use automated tools to copy it in bulk.
- Don't use Puls for anything unlawful, and don't pretend to be someone else.
- Don't send us, or type into the site, other people's personal data, account or card numbers, or anything harmful.
4. Your figures
- The figures you enter stay yours. We use them only to run the features you use, as explained in the Privacy page.
- A saved scenario can be opened by anyone who has its link, so share links only with people you trust. Trackers are visible only to you.
5. Our content
- The guides, videos, calculators, text and design of Puls belong to Puls. You may read, use and share links to them for your own, non-commercial use.
- Please don't copy, republish or sell our content, or use it to train or build another product, without our written permission.
- Market figures (such as rates, prices and inflation) come from the third-party sources named next to them, with their date. They may be out of date, and their owners' terms apply to them.
6. Accuracy and changes
- We work to keep Puls correct, but it is provided as it is, without guarantees. Guides, figures and calculations can contain mistakes or become outdated.
- We may change, pause or remove any feature, guide or Money Insights tool at any time.
7. Responsibility
- You are responsible for your own financial decisions. As far as the law allows, Puls is not liable for any loss or damage that comes from using the site or relying on its content.
- Nothing in these terms limits rights you have under the law that cannot be limited.
8. Other services
- If you sign in with Google, Google's own terms also apply to that sign-in.
- Links to other websites are for your information. We don't control those sites and are not responsible for them.
9. Changes to these terms
- We may update these terms. The date at the top shows the latest version. If you keep using Puls after a change, the updated terms apply.
- Questions about these terms are welcome through the Contact page.