Terms
Terms of use.
Last updated: September 2026
Informational content
Everything here — articles, project notes, and the calculators — is shared for general information. It reflects my experience and opinions, not advice on your specific situation. Please consult qualified professionals before making significant financial decisions.
Tools and estimates
The calculators produce simplified estimates from the numbers you enter. They exclude timing, tax, and other real-world factors, and they are not financial advice. Your inputs stay in your browser and are never sent to this site.
Project notes
Project notes describe real engagements and industry experiences. To protect confidentiality, specific metrics and outcomes have been adjusted while keeping the substance of the approach and results.
Ownership and sharing
The writing and tools on this site belong to Ardhi A. Pradhana. You’re welcome to link to any page. Republishing content or reproducing the tools elsewhere needs permission first.
No warranties
This site is provided “as is”, without warranties of any kind. I am not liable for decisions made based on what you read here.
Contact
Questions about these terms? Write to ardhi@aapgrp.com.