Disclaimer

FinSafe is not a law firm

FinSafe, made by Whale Task Co., Ltd., is a document and payment-tracking service — not a law firm. We do not practice law, we do not review your specific situation, and no lawyer-client relationship is created when you use our website or app. Nothing on FinSafe should be treated as legal advice.

What our content is

Our templates, guides, calculators, and country pages are general information, written to help ordinary people organize everyday financial arrangements clearly. They describe common practices and general principles, not the exact rules of your country, province, or situation.

Calculators show mathematical results based on the numbers you enter; they do not tell you what interest rate is lawful for you to charge or pay. Country pages describe how things commonly work, not everything the law requires.

Laws vary and change

Rules about loans, interest, signatures, witnesses, and evidence differ between countries and can change at any time. A document that works well in one place may need changes in another. Where our content notes that something varies by country, take that seriously — it is not a formality.

When to speak with a lawyer

For many everyday agreements, a clear document and good records are enough. But some situations genuinely call for professional advice. Consider consulting a qualified lawyer where you live if:

• The amount at stake is large relative to what you could afford to lose
• A dispute has already started, or you expect one
• The agreement involves land, property, business shares, or security over assets
• The parties are in different countries
• You are unsure whether the interest or terms are lawful where you are
• Someone is pressuring you to sign something you do not fully understand