Terms of use

The short version

This is a free, educational website for kids and families. It is not financial advice. Use it with curiosity, kindness, and common sense.

Who we are

Little Finance Heroes is operated by Michael Niesing in the Netherlands. Contact: info@littlefinanceheroes.com.

What you can do

• Use any of our free tools as often as you like
• Share results, screenshots, and links with friends
• Use the educational content with your kids, family, or classroom

What you can't do

• Scrape the site at scale or build derivative products
• Re-publish our paid PDFs without permission
• Use the brand name “Little Finance Heroes” or character names (Penny, Cash, Byte, Goldie, Tally) commercially
• Attempt to extract personal data from other users (we don't collect it anyway, but just being clear)

This is not financial advice

Everything on this site is educational content for general learning. We are not licensed financial advisors. We are not your accountant. We are not your bank.

Before making big financial decisions, talk with a qualified professional or trusted family member. Numbers from our tools (compound calculators, projections, etc.) use simplified assumptions for learning — real markets are messier.

Purchases via Stan.store

Our paid playbooks are sold via Stan.store, a third-party platform. When you buy, you're entering a contract with Stan + us. Refunds: contact us within 7 days at info@littlefinanceheroes.com and we'll sort it out.

Limitation of liability

We do our best to keep tools accurate, kid-friendly, and harmless. But we don't guarantee perfection. We're not liable for choices you or your kids make using our content. This is a place to learn, not a substitute for a financial plan.

Changes

We may update these terms occasionally. The “last updated” date at the top will change. Continued use after an update = acceptance.

Disputes

If something goes wrong, talk to us first — most things are fixable over email. If formal dispute resolution is needed, Dutch law applies and the court of Den Haag has jurisdiction.