Terms

What OwnMargin provides

OwnMargin is a calculation and learning tool for independent service businesses. You provide the assumptions; formulas calculate the displayed results. A paid Detailed Analysis gives one business access to editing, scenarios and exports for seven days from purchase. Storage subscriptions extend saved access while active.

Payments, access and subscriptions

Prices are shown before applicable tax unless stated otherwise. Access links are personal, expire after 30 minutes and work once. Storage and Storage + AI subscriptions renew through Polar until cancelled. The AI helper is optional and cannot change your saved inputs or calculations.

Refunds and access after a refund

You may request a refund within seven days as described in the Refunds page. When Polar confirms a refund, paid access, exports and active sessions end immediately. Downloaded copies cannot be revoked. Cancelling a subscription stops future renewals; a refund and cancellation are separate actions.

Your responsibilities

Check your inputs, tax treatment and legal obligations with your accountant or adviser. Keep your own copies of important records. You must not misuse the service, share access links, upload unlawful content or rely on OwnMargin as professional advice.