Terms & Conditions

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree, you must not use this website.

2. Website Purpose

BLKCAT provides digital tools, calculators, educational resources, strategy content, downloadable materials, and related services for founders, creatives, and business users.

3. Permitted Use

You may use this website only for lawful purposes and in a way that does not damage, disable, overburden, interfere with, or misuse the platform or its content.

You agree not to attempt to gain unauthorised access to any part of the website, its systems, or related services.

4. No Professional Advice

The content, calculators, tools, frameworks, reports, and outputs provided by BLKCAT are for general informational and educational purposes only.

Nothing on this website constitutes legal, financial, accounting, tax, investment, or professional business advice.

5. Tool Outputs and Estimates

Any calculator result, estimate, projection, or generated output is based on simplified logic and the information entered by the user. Outputs may not reflect full real-world complexity, and BLKCAT does not guarantee that any result is accurate, complete, current, or suitable for your circumstances.

6. User Responsibility

You are solely responsible for how you interpret and use the website, the tools, and any outputs generated through them. You should independently verify any critical information before relying on it for business, financial, legal, or operational decisions.

7. Intellectual Property

Unless otherwise stated, all content on this website, including text, branding, structure, tools, copy, graphics, layouts, downloads, and related materials, is owned by or licensed to BLKCAT and is protected by applicable intellectual property laws.

You may not copy, reproduce, republish, modify, distribute, sell, or exploit any part of this website for commercial purposes without prior written permission.

8. User Submissions

If you submit information, feedback, or other content to BLKCAT, you confirm that you have the right to do so. You also confirm that your submission does not violate the rights of any third party or any applicable law.

9. Affiliate Relationships

This website may contain affiliate links. BLKCAT may earn a commission when users click certain links and make a purchase, at no extra cost to the user.

10. Email and Communications

If you provide your email address or otherwise opt in, BLKCAT may send updates, resources, newsletters, product information, and related communications. You may unsubscribe from marketing emails at any time.

11. Third-Party Services and Links

This website may reference or link to third-party websites, platforms, software, payment services, or tools. BLKCAT is not responsible for the content, availability, conduct, or privacy practices of those third parties.

12. Availability and Changes

BLKCAT may update, suspend, remove, or modify any part of the website, its tools, pricing, content, downloads, or services at any time without notice.

BLKCAT does not guarantee uninterrupted access, error-free operation, or permanent availability of any feature.

13. Limitation of Liability

To the maximum extent permitted by law, BLKCAT is not liable for any direct, indirect, incidental, consequential, special, or punitive loss or damage arising from or connected to your use of this website, its content, its tools, or any reliance placed on them.

14. Indemnity

You agree to indemnify and hold harmless BLKCAT from any claim, liability, loss, damage, cost, or expense arising out of your misuse of the website, breach of these Terms, or violation of any law or third-party right.

15. Governing Law

These Terms & Conditions are governed by the laws of New Zealand, without regard to conflict of law principles.

16. Updates to These Terms

BLKCAT may revise these Terms & Conditions at any time. Continued use of the website after any update means you accept the revised Terms.