Overview

About these terms

These Terms and Conditions form an agreement between you and EuroWise when you access or use the EuroWise website, installed web app, account features, calculators or other tools. By selecting “Agree and continue”, you confirm that you have read and accepted them. If you do not agree, do not use EuroWise.

You must be at least 18 years old and legally capable of entering a contract. EuroWise is intended primarily for people in Ireland. If you use it elsewhere, you are responsible for checking whether it is suitable and lawful in your location.

The service

EuroWise provides tools for manually recording financial figures, planning budgets, exploring savings and debt scenarios, estimating take-home pay, comparing mortgage and PCP examples, reviewing rent benchmarks, testing possible purchases and exploring long-term investment illustrations.

EuroWise does not hold money, connect to bank accounts, arrange credit, execute investments, broker financial products, make lending decisions or act for any bank, insurer, investment firm, adviser, tax authority or government body. Sample data is fictional and is supplied only to demonstrate the app.

No financial advice or recommendation

EuroWise provides general education, estimates and decision-support tools only. Nothing in the service is personalised financial, investment, pension, mortgage, credit, tax, accounting or legal advice, and nothing is an offer, invitation, endorsement or recommendation to buy, sell, borrow, invest or enter any product or transaction.

EuroWise does not assess suitability, affordability, creditworthiness or your full circumstances. Decisions remain yours. For a decision that could materially affect your finances, check the figures and obtain advice from an appropriately authorised adviser, solicitor, accountant, tax professional, lender or other qualified professional.

Calculations, rates and external information

All outputs depend on the figures and assumptions entered. Results can differ because of rounding, timing, fees, rate changes, tax treatment, lender criteria, benefits, inflation, market performance, product terms and personal circumstances. Forecasts and assumed returns are not guarantees.

Mortgage rates, PCP examples, rents, tax information, market charts and other external information may be delayed, selected examples or estimates. A “last verified” date means the source was reviewed on that date, not that the provider issued or guaranteed the figure on that date. You must check current terms directly with the relevant provider or official source.

Third-party links, charts and data are provided for convenience. Their availability, accuracy, content, privacy practices and terms are controlled by the third party. Their inclusion does not mean EuroWise endorses them or that they endorse EuroWise.

Accounts, encryption and your data

You are responsible for keeping your sign-in method, device, encryption passphrase, recovery key and authentication codes secure. Do not share them. EuroWise cannot recover an encryption passphrase and may be unable to restore encrypted plan data without the recovery key.

You must enter accurate information, keep your own backup where appropriate and check that changes have saved. If two devices edit the same plan, the most recently saved version may replace the other version. Do not enter bank passwords, card PINs, full card numbers, PPS numbers, identity-document numbers or other credentials that EuroWise does not request.

The Privacy Centre explains how account information and encrypted plan data are handled. These terms do not replace your data-protection rights.

Acceptable use

You may use EuroWise for lawful personal use. You must not misuse the service, attempt unauthorised access, defeat security controls, interfere with other users, introduce malicious code, scrape or overload the service, impersonate another person, use another person’s financial information without permission, or use EuroWise to facilitate fraud or another unlawful activity.

You must not copy, resell or commercially exploit a substantial part of EuroWise unless you have written permission. Reasonable security testing requires prior written approval. EuroWise may restrict access where reasonably necessary to protect users, the service or the law.

Who owns EuroWise?

EuroWise is an independent project created and operated by Luke Moran. OpenAI provides the ChatGPT tools used to help build it and the Sites platform used to host it. ChatGPT is an OpenAI product; neither ChatGPT nor OpenAI is presented as the owner or operator of EuroWise.

Under OpenAI’s European Terms of Use, as between the user and OpenAI and to the extent permitted by law, the user retains their input and owns the output. This does not transfer rights in OpenAI’s services, other people’s material or third-party content. Domain registration, trademarks and any company ownership are separate matters governed by their own records and law.

If EuroWise is sold

Luke Moran, as the current project owner, would be the seller of the rights and assets he actually holds. A buyer would own only what the sale agreement expressly transfers, such as the EuroWise name and branding rights (to the extent owned), original source code and content, the domain registration if transferable, and any customer contracts or business assets included in the deal. If a company later owns those assets, that company would be the seller instead. Payment for a website does not by itself transfer every account, licence or intellectual-property right.

OpenAI does not automatically become a seller or receive the sale proceeds because its tools helped create or host EuroWise. OpenAI retains its rights in ChatGPT and its services. A buyer would need their own permitted hosting and service arrangements; a personal ChatGPT or Sites account should not be assumed transferable. Third-party code, data, images, fonts, trademarks and integrations remain subject to their separate owners and licences. User financial data is not intellectual property that can simply be sold without meeting privacy, contract and data-protection obligations.

Before any sale, the parties should list the assets, verify who holds each right, identify third-party restrictions, and record the assignment or transfer in a written agreement. This page describes the present position; the signed transaction documents would determine the buyer’s rights.

EuroWise’s original design, software, text and branding may be protected by intellectual-property law. Visitors receive a limited right to use the service under these terms and retain ownership of information they enter. Third-party names, logos, market data and content remain subject to their owners’ rights.

Availability, updates and changes

EuroWise aims to keep the service available and accurate but does not promise uninterrupted, error-free or permanently available access. Maintenance, security events, third-party failures, internet problems or legal requirements may interrupt features. Keep independent records of information you cannot afford to lose.

Features may be corrected, improved, replaced or withdrawn for valid operational, security, legal or product reasons. Material changes to these terms will be presented clearly and will apply prospectively. Where consent is required by law, EuroWise will request it. Continued use after a notified effective date constitutes acceptance only where the law permits.

Suspension, deletion and ending use

You may stop using EuroWise at any time. Signed-in users can delete their account and encrypted financial record through the account controls. Device-only data can be removed by resetting the app or clearing the browser’s storage. Download any backup you need first.

EuroWise may suspend or end access where reasonably necessary because of serious or repeated misuse, a security threat, legal requirements or discontinuation of the service. Where reasonably possible, advance notice and an opportunity to export data will be provided. Provisions that logically continue, including intellectual property and liability provisions, survive termination.

Irish law, complaints and general terms

These terms are governed by Irish law. If you are a consumer resident in the European Union, you also retain any mandatory protections and rights to bring proceedings available under the law of your country of residence. Otherwise, the courts of Ireland have jurisdiction.

If a provision is invalid or unenforceable, the remaining provisions continue. A delay in enforcing a right is not a waiver. These terms, together with the Privacy Centre and any clearly identified paid-plan terms, form the agreement for use of EuroWise.

Raise a complaint through the support route shown in EuroWise. Consumers can also obtain independent information from the Competition and Consumer Protection Commission. Nothing in this section restricts any statutory complaint or redress right.

Operator and contact

EuroWise is the trading name used for this Irish-operated online service. The app is currently offered as a pre-commercial planning service. Before any paid subscription or commercial transaction is offered, EuroWise will publish the operator’s full legal name, geographic address, direct email contact and any applicable registration details.

For current assistance or a legal notice, use the support route displayed in the app. Do not send bank credentials, card details, PPS numbers or encryption keys in a support request.