Terms of Use.

Educational use

NJL Design Lab provides general educational information and decision-support tools. Nothing on this site creates a professional, fiduciary, advisory, client, or other special relationship. Results depend on the information and assumptions entered and may not reflect future outcomes.

No guarantee of results

Financial markets, taxes, laws, product features, costs, and personal circumstances change. NJL does not guarantee the accuracy, completeness, availability, or fitness of content or tools for a particular decision. Use your own judgment and verify material assumptions.

Your responsibilities

You are responsible for protecting your devices and data, maintaining backups where a tool stores information locally, and obtaining professional advice when appropriate. Do not use the site unlawfully or attempt to interfere with its operation.

Intellectual property

Unless otherwise stated, NJL Design Lab owns the original site content, product copy, visual system, and software materials. Personal use is permitted. Republishing, reselling, or presenting NJL work as your own requires written permission.

Third-party services

The site links to services such as Etsy and the Apple App Store. Their terms, privacy practices, pricing, and availability are controlled by those providers.

Changes and contact

These terms may be updated as products and site operations change. Questions can be submitted through Contact & Partnerships.

Effective date: July 1, 2026.