The agreement between you and Clarity when you use the site, the free tools, or a paid program. Written to be read, not skimmed past.
Clarity is operated by the operator of oliveradan.com, an individual based in Sweden. Any questions about these terms: hello@oliveradan.com. In these terms, “Clarity”, “we”, and “us” mean the operator of oliveradan.com; “you” means the person using the site or buying a program.
Clarity provides financial education and modelling - frameworks, calculators, and courses to help you think clearly about money and life. It is not regulated financial, investment, tax, or legal advice, and creates no advisory relationship. Nothing on this site takes your personal circumstances into account. Before acting on anything you learn here, consider consulting a regulated financial advisor, tax advisor, or accountant in your jurisdiction.
The service consists of self-paced digital courses and tools (delivered in your browser, on your own numbers) and, where explicitly offered and booked, optional live coaching sessions.
You need an account to take a paid program. You must be at least 18, give us accurate information, and keep your login credentials to yourself - an account is for one person, and you are responsible for what happens under it. If you think someone else has access to your account, tell us at hello@oliveradan.com and we'll help you lock it down.
Payments are processed by Stripe; we never see or store your card details. Prices are shown in euro and include VAT where it applies - the exact tax for your country is calculated at checkout. Your statutory withdrawal and refund rights, and our own 10× promise, are set out in the Refund & Guarantee Terms.
A purchase grants lifetime accessto the named program: access for as long as the product exists, including reasonable updates and improvements to its content. “Lifetime” means the lifetime of the product, not of any one technology - if we ever retire a program, we will give you reasonable notice and a fair remedy. It does not oblige us to keep any specific feature unchanged forever.
You agree not to:
The courses, tools, text, and designs are Clarity's intellectual property, licensed to you for personal, non-commercial use only. You may not copy, redistribute, resell, or publicly share the content. Everything you type in - your numbers, reflections, and answers - remains yours; we only use it to run the product for you, as described in the Privacy Policy.
Outputs are estimates based on the numbers and assumptions you provide. Models simplify reality; markets, tax rules, and life do not follow projections. You are responsible for your own financial decisions.
The educational content and tools are provided “as is”, without warranty that they fit your particular situation or that any outcome will follow from using them. If you are a consumer in the EU, this does not limit your statutory rights - including your right under EU law to digital content that works as described.
To the extent permitted by law, our total liability to you for any claims arising from the service is limited to the greater of (a) the fees you paid us in the 12 months before the event giving rise to the claim, and (b) €100. We are not liable for indirect losses - such as lost profits or investment losses - resulting from decisions you make after using educational content. Nothing in these terms limits liability that cannot lawfully be limited, and nothing affects your mandatory statutory rights as a consumer.
You can stop using the service at any time. We may suspend or terminate an account that materially breaches these terms - for example credential sharing, content redistribution, or abuse of the AI features - after warning you where that is reasonable. Termination for abuse does not entitle you to a refund, but never affects your statutory rights.
These terms are governed by Swedish law. If you are a consumer in the EU, you also keep the protection of any mandatory consumer-law rules of the country you live in, and you may bring disputes before your local courts. You can also use alternative dispute resolution: EU consumers can turn to their national consumer ADR body, or the EU's online dispute resolution facilities where available. We would rather solve any problem directly - email hello@oliveradan.com first and we will genuinely try.
We may update these terms as the product evolves. If a change materially affects your rights, we will notify you by email before it takes effect, and the “last updated” date above always reflects the current version. Continuing to use the service after a change means you accept it; if you don't, contact us and we'll find a fair resolution. Questions: hello@oliveradan.com.