Terms of Use

Last updated: July 6, 2026

These terms govern your use of GaugeYard (gaugeyard.com), operated by Four Cents ("we", "us"). By using the site you agree to them; if you do not agree, please do not use the site.

Educational content, not professional advice

Everything on this site, including articles, calculators, and interactive tools, is published for general educational and informational purposes only. It is not financial, investment, insurance, legal, medical, tax, construction, or other professional advice, and it is not tailored to your circumstances. Always consult a qualified professional before making decisions that affect your money, health, legal position, or property.

Estimates and illustrative figures

Our calculators and worked examples produce estimates from simplified models and the numbers you enter. Dollar figures, rates, timelines, and statistics on this site are illustrative unless expressly stated otherwise, and real-world results will differ. We work hard on accuracy but do not guarantee that any content is complete, current, or error-free.

No warranties

The site and all content are provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose, accuracy, and non-infringement. Your use of the site is at your own risk.

Limitation of liability

To the maximum extent permitted by law, Four Cents and its contributors will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, savings, data, or opportunity, arising from your use of or reliance on this site. Where liability cannot be excluded, it is limited to the amount you paid us to use the site, which is zero.

Intellectual property

The content on this site (text, graphics, tools, and design) belongs to Four Cents or its licensors and is protected by copyright. You may read, share links to, and quote brief excerpts of our content with attribution. You may not republish articles in full, scrape the site at scale, or use our content to train commercial products without written permission.

Acceptable use

You agree not to misuse the site: no attempting to breach security, no interfering with its operation, no automated bulk access that degrades service, and no using the site for unlawful purposes.

Third-party links and affiliate disclosure

Articles may link to third-party sites we do not control and are not responsible for. Some links are affiliate links, meaning we may earn a commission at no extra cost to you, as described in our disclosure policy. Affiliate relationships never determine our editorial conclusions.

If you subscribe to updates, you can unsubscribe at any time by emailing [email protected]. We will not share your address, as described in our privacy policy.

Changes to the site and these terms

We may change, suspend, or discontinue any part of the site at any time. We may also update these terms; the current version will always be posted here with its date. Continued use after changes means you accept the updated terms.

Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in it. Any disputes will be resolved in the courts of Ontario, Canada. If any provision of these terms is found unenforceable, the rest remain in effect.

Contact

Questions about these terms: [email protected].