Terms of Service

Operator Tools is a software-as-a-service product offering decision tools for small-business owners. The tools are simple calculators and a monthly-review / decision-log workflow that help owners think through cash, pricing, clients, projects, and hiring decisions. The Service is provided over the public internet; you access it through a web browser.

Operator of the Service:

• Trade name:Hallett's Cove Partners, vl. Ivan Pešić
• Form: paušalni obrt (Croatian sole-proprietor / flat-rate craft business)
• Registered address: Bana Josipa Šokčevića 17, 32270 Županja, Republic of Croatia
• OIB (Croatian tax number): 01454270162
• VAT status: Not registered for VAT. Prices are shown inclusive of any applicable taxes and do not separately add VAT.
• Contact email: ivan.pesic@hallettscovepartners.com

You accept these Terms by (a) clicking “Sign up”, “Get Lifetime Access”, or any equivalent action, (b) creating an account, or (c) using the Service in any other way.

If you are using the Service on behalf of a business, you represent that you have authority to bind that business to these Terms, and “you” means both you personally and the business.

• Account: the credentialed identity you create to use the Service.
• Business Profile: the record you create within the Service for a specific business, holding its financial defaults and historical data.
• Free Tier: the portion of the Service usable without payment, currently the Business Health Score, Profit Margin Calculator, and Break-Even Calculator, with a limited number of saved scenarios.
• Lifetime Access: a one-time-purchase plan granting access to the full Service for the duration set out in Section 8.
• Content: any data, text, numbers, notes, or other material you submit, generate, or store within the Service.

You must be at least 16 years of age to create an account. By registering, you confirm that you meet this minimum age. If you are a resident of a jurisdiction with a higher minimum age for digital services, you confirm you meet that age too.

The Service is offered globally but is intended primarily for small-business owners. We may decline service or terminate accounts where required by sanctions, embargoes, or other applicable law.

The Service consists of:

• A set of plain-language decision tools (calculators) that perform transparent arithmetic on the inputs you provide;
• A dashboard summarising your saved scenarios and recent activity;
• A scenarios store, where each saved calculator run is recorded with its inputs and results;
• A monthly business review workflow and a decision log;
• Branded PDF/print and CSV exports of saved scenarios.

We may add, modify, or retire individual tools or features at any time. Where a meaningful feature is being removed for active Lifetime Access customers, we will give reasonable advance notice.

Definition.“Lifetime” means for the operational lifetime of the Service. Specifically, Lifetime Access grants you the right to use the full Service, free of further recurring charges, for as long as we operate it.

Our intent. We intend to operate the Service indefinitely. We do not promise that we will. If we discontinue the Service:

• We will give Lifetime Access customers at least 60 days' advance notice by email;
• During that notice period the Service will remain available;
• You will be able to export your Content via the in-app CSV and PDF tools for the duration of the notice period;
• On request during that notice period, we will provide a copy of your Content in a structured, machine-readable format; and
• We do not, except where law requires it, offer a refund where the Service has been discontinued after a reasonable operational period.

What is included.Lifetime Access includes every tool currently in the Service and any future tool, fix, or improvement we ship under the “Operator Tools” brand at no additional charge. If, in the future, we launch a distinct product under a different brand or a fundamentally different pricing model, that product will not automatically be included.

Transferability. Lifetime Access is personal to the account holder and may not be sold, gifted, or otherwise transferred without our written consent.

We aim to keep the Service available 24/7 but do not make any uptime or service-level guarantee in the current pricing tier. The Service may be temporarily unavailable due to scheduled maintenance, urgent fixes, third-party outages (in particular the cloud infrastructure providers listed in our Privacy Policy), or events outside our reasonable control (force majeure).

We will use reasonable efforts to give advance notice of planned maintenance and to communicate during incidents.

You agree not to:

• Use the Service for any unlawful purpose, including but not limited to money laundering, sanctions evasion, fraud, tax evasion, or processing personal data unlawfully;
• Reverse-engineer, decompile, or attempt to extract source code or non-public assets from the Service, except to the limited extent that applicable law expressly permits;
• Resell, sublicense, or commercially exploit the Service or its outputs as a stand-alone calculator service to third parties;
• Use automated scripts, scrapers, or bots to access the Service in ways that materially exceed what a normal interactive user would do, except via interfaces (e.g. CSV/PDF exports) we explicitly provide;
• Attempt to gain unauthorised access to other users' accounts, data, or to non-public parts of the system;
• Upload or store malicious code, infringing content, or content that violates the rights of others;
• Use the Service in any way that could damage, disable, overburden, or impair it, or interfere with another user's use.

You retain all rights in the Content you submit. You grant us a limited, worldwide, royalty-free, non-exclusive licence to host, store, process, transmit, back up, and display the Content solely as necessary to operate the Service for you, to comply with our legal obligations, and to enforce these Terms.

We do not sell your Content. We do not use the financial figures or decisions you store in the Service to train any machine-learning model, neither our own nor a third party's. We do not look at individual Content except where you ask us to (e.g. for support) or where law obliges us to.

We may produce aggregated, anonymised statistics about overall use of the Service (e.g. “X% of users have run the Cash Runway tool at least once”) for product and operational purposes. Aggregated statistics never identify you or your business.

The Service, including its software, calculations, user-interface design, brand, logos, and content (other than your Content), is owned by Hallett's Cove Partners, vl. Ivan Pešić or its licensors and is protected by copyright, trademark, and other intellectual-property laws.

Subject to your compliance with these Terms and your payment of any applicable fees, we grant you a personal, revocable, non-exclusive, non-transferable, non-sublicensable licence to use the Service for your own internal business or personal use during the term of your access.

“Operator Tools” and the Operator Tools logo are unregistered trademarks of Hallett's Cove Partners. You may not use them in a way that suggests sponsorship, affiliation, or endorsement without our prior written consent.

The Service is a set of decision-support tools. It does not constitute and must not be relied upon as financial, tax, legal, accounting, investment, or any other professional advice. The calculations are based on the figures you enter and produce mechanical outputs; they cannot replace the judgment of you, your accountant, your lawyer, or any other professional advisor.

You are solely responsible for your business decisions. We are not liable for any decision you make based on, or any outcome flowing from, the use of the Service.

To the maximum extent permitted by law, the Service is provided “as is” and “as available”, without warranties of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability.

We do not warrant that the Service will meet your requirements, that it will be uninterrupted, timely, secure, or error-free, or that defects will be corrected. You acknowledge that you use the Service at your own risk.

Nothing in this Section limits any non-waivable statutory rights you may have as a consumer.

To the maximum extent permitted by law, in no event will Hallett's Cove Partners, vl. Ivan Pešić, its successors, assigns, or affiliates be liable to you for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, lost opportunity, loss of goodwill, or business interruption, arising out of or related to your use of (or inability to use) the Service, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any and all claims arising out of or relating to these Terms or the Service is limited to the greater of (a) the total amount you paid us in the 12 months preceding the event giving rise to the claim, and (b) EUR 99.00.

Nothing in these Terms excludes or limits our liability where exclusion or limitation is prohibited by applicable law, including for fraud, gross negligence, or wilful misconduct.

You agree to indemnify and hold harmless Hallett's Cove Partners, vl. Ivan Pešić from any claim, demand, loss, liability, cost, or expense (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your unlawful use of the Service, or (c) your Content, where such Content infringes the rights of a third party.

We may amend these Terms from time to time. We will publish the updated text at this URL and update the “Last updated” date at the top. For material changes that affect your rights or obligations, we will give reasonable advance notice (typically by email) before they take effect.

Your continued use of the Service after a change takes effect constitutes acceptance of the updated Terms. If you do not agree to a change, you may terminate your account under Section 18.

These Terms are governed by the laws of the Republic of Croatia, without regard to its conflict-of-laws rules.

Any dispute arising out of or in connection with these Terms or the Service shall be subject to the exclusive jurisdiction of the competent court in Županja, Republic of Croatia, except where mandatory rules of consumer-protection law allocate jurisdiction differently.

If you are a consumer (acting outside the scope of any business or professional activity), you benefit from mandatory consumer rights under Croatian and EU law that cannot be overridden by these Terms. Nothing in these Terms is intended to limit those rights.

You also have the right to use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr for out-of-court resolution of disputes arising from online purchases.

You can reach us about these Terms at:

• Email: ivan.pesic@hallettscovepartners.com
• Postal:Hallett's Cove Partners, vl. Ivan Pešić, Bana Josipa Šokčevića 17, 32270 Županja, Republic of Croatia

See also the Privacy Policy for how we handle your personal data.