Copyright (c) Ray Dumasia, 2024–2026

Permission is hereby granted to individuals to use, copy, modify, and distribute this software for personal, non-commercial purposes, subject to the following conditions:

1. Personal Use:
   - This software is free to use for personal, non-commercial purposes. Examples of personal use include individual learning, experimentation, or personal financial management.
   - Donations to support the development of this software are welcome but not required.

2. Commercial Use:
   - Commercial enterprises, organizations, or entities wishing to use, integrate, distribute, or modify this software for commercial purposes must obtain prior written consent from Ray at worldofray@googlemail.com
   - Commercial purposes include, but are not limited to:
     - Integration into business systems or workflows.
     - Offering the software as part of a paid service or product.
     - Hosting, deploying, distributing, or otherwise making the software (or any
       modified version or derivative of it) available by or on behalf of any company,
       employer, organisation, or other entity for use by its employees, contractors,
       members, or customers — including internal-only and no-charge deployments.
     - Any activity intended to generate revenue.
   - For the avoidance of doubt, use by an individual to manage their own personal
     finances remains personal use even where their shares were granted by an employer;
     it is an organisation hosting or distributing the software to others that is
     commercial and requires prior written consent.
   - Unauthorized commercial use of this software is strictly prohibited and may result in legal action.

3. Ownership:
   - This software remains the intellectual property of Ray Dumasia. This license does not grant ownership rights to any user.

4. Disclaimer:
   - This software is provided "as is," without warranty of any kind, express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, and non-infringement. In no event shall the author be liable for any claim, damages, or other liability arising from the use or inability to use this software.

5. Termination:
   - Permission for personal use is automatically terminated if the terms of this license are violated.

6. Donations:
   - Individuals who find this software valuable are encouraged to donate to support ongoing development at the donation link at https://www.absolutelynotfinancialadvice.co.uk

By using this software, you agree to these terms. For commercial use inquiries, please contact Ray Dumasia at worldofray@googlemail.com