Legal

What each page covers

Talreon is a free collection of financial calculators and plain-English guides, operated by Hypercloudsoft in Singapore and written for readers around the world. The pages in this section explain who runs the site, how your information is handled, how the site pays for itself, and what you can and cannot rely on. They are written to be read, not just accepted, so here is a short summary of each one.

• About explains who publishes Talreon, what the calculators are for, and the limits of what an online estimate can tell you.
• Privacy Policy describes what is collected when you visit. Numbers you type into a calculator are processed in your browser and are not sent to our servers. The policy also lists third-party services, such as hosting and analytics, and how cookies are handled.
• Terms of Use sets the rules for using the calculators, guides and embed codes, including the attribution needed when you embed a calculator on your own site.
• Disclosure explains how Talreon is funded, how any advertising or partner links would be labelled, and why money never changes a formula or a result.
• Editorial team explains that pages are written with AI assistance and reviewed by the Talreon team, which sources we use, and what the "Updated" date on a page means.
• Figures update log records when dated figures, such as tax rates, contribution limits and qualifying rates, were last checked against the official source.
• Contact gives the email and WhatsApp details for questions, corrections and partnership enquiries.

The short version

• Educational, not advice. Every calculator gives an estimate based on the inputs and assumptions shown on the page. It is not personalised financial, tax, legal or investment advice, and Talreon is not a licensed adviser in any country.
• Your inputs stay with you. Calculations run in your browser. You don't need an account to use any tool.
• Figures come from official sources. Where a page uses a rate, limit or threshold, it links to the government agency or regulator that publishes it, such as the IRS, HMRC, CRA, OSFI, ATO or IRAS.
• AI use is disclosed. Guides and calculator pages carry the line "Written with AI assistance · Reviewed by the Talreon team".
• Prices are in US dollars. Paid spreadsheet templates are priced in USD and are sold by Hypercloudsoft.

When these pages change

Each policy shows a "Last updated" date near the top. We change that date when the meaning of a policy changes, not for spelling or layout fixes, and the same date is used in the site's XML sitemap. If a change affects how you use the site, for example a new third-party service in the privacy policy, the page will say so plainly.

Questions or corrections

If something in these pages is unclear, or you think a calculator or guide contains an error, email support@talreon.com with the page address and what looks wrong, or message WhatsApp +65 8791 2456 between 9am and 5pm Singapore and Malaysia time (UTC+8). Confirmed errors are fixed and the page date is updated. The site map lists every calculator and guide if you are looking for a specific tool.