Terms Of Service

Written by Financial Fortify Team

Last Updated on January 19, 2021

NOTICE: Please read the Terms of Service (“Terms”) set forth below, which are legally binding. By browsing or using this website and/or by using any of our current or future services, you agree to be bound by our Disclaimer, Terms of Service and Privacy Policy. If you do not agree with all these terms of use, then you are prohibited from using the site and must discontinue use immediately.

Your access to and use of the website is also conditioned on your acceptance of and compliance with our Privacy Policy. Our Privacy Policy describes the policies and procedures on the collection, use and disclosure of your personal information when you use the website and tells you about your privacy rights and how the law protects you. Please read our Privacy Policy carefully before subscribing to our website.

The website financialfortify.com (“website”) is operated by Andrew Cassar Overend and Daniel Micallef, collectively operating under Madco Enterprises (“we”, “us” or “our”) subject to the following terms and conditions (“Disclaimer”). The term “you” refers to any visitor or user of the website.

The website is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or subscribe to this website.


By using the website, you guarantee:

  • that all registration information you submit is true, accurate, timely and complete

  • that the accuracy of information is maintained and updated when necessary

  • that you are at least 18 years of age.

  • that you are not a robot

  • that you will not use the website for any illegal or unauthorized purpose

  • that your use of this website will not violate any of the laws in your jurisdiction

If you provide any information that is untrue, inaccurate, outdated or incomplete, we reserve the right to terminate your subscription and refrain you from using the website in the future.


Subscribers to financialfortify.com may be terminated at any time by an authorized representative of the team for violation of any of the following rules, among others:

  • You may not copy any of the content on financialfortify.com.

  • You may not publish affiliate links on the website without consent.

  • You may not link to a page on the website which is designed to capture email addresses of our members.

  • You may not promote your own information product, tools or financial information on the website.

We reserve the right to terminate your website subscription and revoke your rights to view and/or post comments if any of the above rules are violated.


We value your thoughts on the content of the website and we invite you to share your opinion on any of our posts. However, any comments which are deemed abusive, inappropriate, irrelevant, misguided, illegal, vulgar, politically underpinned or intended to harm others will be removed without reconsideration. If you disagree with any content posted by us, or by any other individual who comments, please do provide your opinion in a diligent and friendly manner. Comments or opinions which are spam or are written to post a link or advertise will also be removed without reconsideration. Any comments on the content of this site are not owned by financialfortify.com and only the individual commenter is liable for its comments. The opinions of content writers and guest posters on the website or its social media sites are not those of financialfortify.com, or its owners, managers, employees, or representatives. If a comment is not removed, this does not mean it is factual or has been endorsed.

Any person who deems any comment on this site that violates the above guidelines, or infringes on another person’s intellectual property, should immediately contact us at info@financialfortify.com

We also value your suggestions on how to improve the website. Feel free to drop us an email at info@financialfortify.com.


This website is for education purposes only. We do not intend to provide financial advice or recommendations. If you are seeking financial advice specific to your situation, please contact a certified financial planner.

The tax systems available to compute your net salary on this website are not necessarily fully accurate but are a simplified version of the overall system. For more detail on how the tax system works, please refer to the respective Government website. While we did our utmost effort to ensure that all information is factual and up to date, there may be errors. The data used in our tools is borrowed from the esteemed work of recognized statistical bodies. We do our utmost to periodically update this data on our website. However, we disassociate ourselves from any factual or untimely error.

The mathematical computations used to estimate your monthly savings to reach your goals are simplification of a complex task. Prior to making any decisions based on the content on the website, we recommend that you do your own research or appoint someone to do the research for you. By using this website, you agree and acknowledge that the information conveyed by this website is solely for educational purposes and any decisions you make based on this information are at your own risk.

All uncited research on this website was produced by us, the website owners, in our own personal capacity, and where reference is made to other academic papers, articles, pieces of research or data, the owner of the content is cited accordingly. If you perceive that we have mistakenly replicated content from another source without providing the appropriate recognition, please inform us immediately at info@financialfortify.com.


We reiterate that the purpose of this website is to provide you with valuable educational content so that you can make more informed financial decisions, and it is thus in our interest to ensure that this goal is fulfilled. Therefore, we limit the links to third party websites to those which we truly deem will provide you with some value. Whenever we agree to a paid partnership with third party websites, this will be clearly documented in this Disclaimer. However, we cease to assume responsibility for any content found on or accessed through any links to third party websites. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

This website may contain sponsored posts, in which a small compensation is received for publishing externally created content. When we host these posts, this will be explicitly indicated.


This Disclaimer can be updated without notification, but we will make a reasonable effort to provide 30 days’ prior notice prior to invoking any material revisions. The latest date when this Disclaimer was last revised will always be inscribed at the top of this page. It is your responsibility to check for updates, since your use of this website after any updates have taken effect will continue to be bound by this Disclaimer.

We may make periodic changes to the materials contained on this website at any time without prior notice. The website does not, however, make any commitment to update the materials.


We use reasonable endeavors to ensure that the data on the website is accurate and to correct any errors or omissions as soon as practicable after being notified of them. However, we do not guarantee that the website will be fault free and we do not accept liability for any errors or omissions.

We do not give any warranty that the website is free from viruses or anything else which may have a harmful effect on any technology.

To the maximum extent permitted by applicable law, in no event shall we be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the website, third-party software and/or third-party hardware used with the website, or otherwise in connection with any provision of this Terms), even we have been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.


Unless otherwise indicated, the website is our proprietary property and all source code, databases, functionality, software, website designs, tools and media on the website (collectively, the “Content”) as well as the website domain and logo are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws in our jurisdiction.


The laws of Malta, excluding its conflicts of law rules, shall govern this Terms and your use of the website. However, your use of the website may also be subject to other local, state, national, or international laws.


If you have any concern or dispute about the website, you agree to first try to resolve the dispute informally by contacting us.


If you are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in.

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.



If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.


Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.


These Terms and Conditions may have been translated if we have made them available to you on our website. You agree that the original English text shall prevail in the case of a dispute.


If you have any inquiries on the above, please contact us at info@financialfortify.com