Disclaimer
Important information about using Circular Guru's eCommerce calculators, business decision responsibility, and the limitations of our tools and content.
Table of Contents
- 1. Educational Purpose and General Information
- 2. Calculator Limitations and Accuracy
- 3. Business Decision Responsibility
- 4. Not Professional Financial or Business Advice
- 5. Third-Party Platform Changes
- 6. User Data Input and Accuracy
- 7. Market Variables and External Factors
- 8. Results May Vary
- 9. Limitation of Liability
- 10. Professional Consultation Recommendation
- 11. Updates and Changes
- 12. Contact Information
The calculators, tools, and content provided by Circular Guru are for educational and informational purposes only. They are not intended to serve as professional financial, business, accounting, or investment advice. Users must exercise their own judgment and seek qualified professional advice before making business decisions.
1 Educational Purpose and General Information
All calculators, tools, content, articles, and resources provided on Circular Guru (circularguru.net) are designed for educational and informational purposes only. Our mission is to help eCommerce business owners understand profit margin concepts, calculation methodologies, and general business principles.
What We Provide:
- Educational Tools: Calculators to help understand profit margin concepts and calculations
- General Information: Articles and guides about eCommerce profitability principles
- Industry Insights: General market trends and benchmark data for educational context
- Calculation Examples: Illustrative scenarios to demonstrate calculation methodologies
Key Point: Our tools are designed to educate users about profit margin calculations and help them understand the factors that affect eCommerce profitability. They are not designed to provide specific business recommendations or replace professional consultation.
2 Calculator Limitations and Accuracy
While we strive to provide accurate calculators based on current industry standards and platform fee structures, our tools have inherent limitations that users must understand:
| Limitation Type | Description | User Responsibility |
|---|---|---|
| Fee Structure Changes | Platform fees (Amazon FBA, eBay, Shopify) change frequently | Verify current fees directly with platforms |
| Simplified Models | Calculators use simplified models for ease of use | Consider additional business-specific factors |
| General Assumptions | Tools make general assumptions about business operations | Adjust calculations for specific business model |
| Market Variations | Local market conditions may differ from general benchmarks | Research local market conditions independently |
| Currency Fluctuations | International sellers face currency exchange variations | Account for currency risks and exchange rates |
Calculator results are estimates based on the information provided and current fee structures at the time of calculation. Actual results may vary significantly based on numerous factors including but not limited to: platform policy changes, market conditions, business-specific circumstances, seasonal variations, and operational efficiency.
3 Business Decision Responsibility
Users are solely responsible for all business decisions made using information or calculations from Circular Guru. We provide educational tools and information, but the responsibility for business decisions rests entirely with the user.
User Responsibilities Include:
- Independent Verification: Verifying all calculations and assumptions against actual business data
- Professional Consultation: Seeking qualified professional advice for significant business decisions
- Due Diligence: Conducting thorough research before making investment or operational changes
- Risk Assessment: Evaluating potential risks and rewards of business decisions
- Compliance: Ensuring all business operations comply with applicable laws and regulations
- Financial Management: Maintaining proper financial records and controls
All business decisions carry inherent risks. Past performance or calculator projections do not guarantee future results. Users should never rely solely on calculator outputs when making significant business decisions such as inventory investments, platform changes, pricing strategies, or operational modifications.
4 Not Professional Financial or Business Advice
Circular Guru and its founder, Shahzad Arsi, do not provide professional financial, accounting, legal, or business advice. The information and tools provided are for educational purposes and should not be construed as professional advice.
What We Do NOT Provide:
- Financial Advice: Investment recommendations, financial planning, or portfolio management
- Accounting Services: Tax preparation, bookkeeping, or financial statement preparation
- Legal Advice: Business structure recommendations, contract review, or compliance guidance
- Business Consulting: Specific strategic recommendations for individual businesses
- Investment Guidance: Recommendations about specific investments or business opportunities
Professional Advice Recommendation: We strongly recommend consulting with qualified professionals including certified public accountants (CPAs), financial advisors, business consultants, and legal advisors before making significant business decisions based on information from our platform.
5 Third-Party Platform Changes
Our calculators reference fee structures and policies of third-party platforms including but not limited to Amazon, eBay, Shopify, Etsy, and payment processors. These platforms regularly change their fees, policies, and operational procedures.
| Platform Type | Common Changes | Update Frequency |
|---|---|---|
| Amazon FBA | Referral fees, FBA fees, storage fees, size tiers | 2-4 times per year |
| eBay | Final value fees, insertion fees, store subscriptions | 1-2 times per year |
| Shopify | Transaction fees, app costs, payment processing rates | Varies by region |
| Payment Processors | Processing rates, chargeback fees, international rates | Ongoing adjustments |
We strive to keep fee structures current, but cannot guarantee real-time accuracy of all third-party platform fees and policies. Users must verify current fees and policies directly with platforms before making business decisions. Platform changes can significantly impact profitability calculations.
6 User Data Input and Accuracy
Calculator accuracy depends entirely on the accuracy and completeness of data input by users. Garbage in, garbage out – inaccurate inputs will produce inaccurate results.
Critical Input Factors:
- Product Costs: Accurate cost of goods sold including all associated expenses
- Shipping Weights: Precise measurements for accurate shipping calculations
- Product Dimensions: Exact size specifications for platform fee calculations
- Sales Volume: Realistic volume estimates for scaling calculations
- Market Data: Current market prices and competitive information
- Operational Costs: Complete understanding of business overhead and expenses
Input Responsibility: Users are solely responsible for the accuracy of all data entered into calculators. We recommend maintaining detailed records of all business costs and regularly updating calculations with current data.
7 Market Variables and External Factors
Numerous external factors can affect eCommerce profitability that are not accounted for in simplified calculator models:
Market Factors:
- Competition: Competitive pressure on pricing and market share
- Seasonality: Seasonal fluctuations in demand and pricing
- Economic Conditions: Recession, inflation, consumer spending patterns
- Supply Chain: Disruptions, cost fluctuations, availability issues
- Currency Exchange: International seller exposure to currency fluctuations
- Regulatory Changes: Tax law changes, trade policies, platform regulations
Operational Factors:
- Return Rates: Product-specific and seasonal return rate variations
- Customer Service: Support costs varying by product complexity and customer base
- Inventory Management: Storage costs, obsolescence, cash flow impacts
- Quality Issues: Defect rates, warranty costs, reputation impacts
8 Results May Vary
Individual results will vary based on numerous factors unique to each business, market, and operational approach. Calculator results should be considered starting points for analysis, not definitive projections.
Calculator projections are based on general assumptions and average conditions. Actual business performance may vary significantly from calculator estimates due to factors including but not limited to: operational efficiency, market positioning, competitive advantages, customer base quality, and external market conditions.
Factors Affecting Results:
- Business Experience: Operational efficiency improves with experience
- Market Positioning: Brand strength and market differentiation
- Operational Scale: Economies and diseconomies of scale
- Risk Management: Quality of risk assessment and mitigation strategies
- Financial Management: Cash flow management and financial controls
9 Limitation of Liability
Circular Guru, Shahzad Arsi, and all associated parties disclaim all liability for any damages arising from the use of our calculators, tools, or information.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CIRCULAR GURU AND SHAHZAD ARSI SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM THE USE OF OUR CALCULATORS, TOOLS, OR INFORMATION, INCLUDING BUT NOT LIMITED TO BUSINESS LOSSES, LOST PROFITS, OR INVESTMENT LOSSES.
Disclaimer Scope:
- Business Losses: Any financial losses from business decisions
- Investment Losses: Poor investment decisions based on calculator outputs
- Opportunity Costs: Missed opportunities due to calculator limitations
- Operational Issues: Problems arising from implementation of calculator suggestions
- Third-Party Issues: Problems with platforms, suppliers, or service providers
10 Professional Consultation Recommendation
We strongly recommend consulting with qualified professionals before making significant business decisions. Our tools should complement, not replace, professional advice.
| Professional Type | When to Consult | Areas of Expertise |
|---|---|---|
| Certified Public Accountant (CPA) | Tax planning, financial statements, business structure | Accounting, tax compliance, financial analysis |
| Business Consultant | Strategic decisions, market entry, operational optimization | Strategy, operations, market analysis |
| Financial Advisor | Investment decisions, financial planning, risk management | Investment strategy, financial planning |
| Legal Counsel | Business formation, contracts, compliance issues | Business law, contract law, regulatory compliance |
Investment in Professional Advice: The cost of professional consultation is often minimal compared to the potential cost of poor business decisions. Consider professional advice an investment in business success and risk mitigation.
11 Updates and Changes
We reserve the right to update this disclaimer at any time without prior notice. Users are responsible for regularly reviewing this disclaimer for changes.
Update Policy:
- Regular Reviews: Disclaimer reviewed quarterly for accuracy and completeness
- Platform Changes: Updates made when major platforms change fee structures
- Legal Requirements: Updates to comply with changing legal requirements
- User Feedback: Improvements based on user questions and concerns
Users are responsible for staying informed about disclaimer updates. Continued use of our tools after changes indicates acceptance of updated terms. We recommend bookmarking this page and checking periodically for updates.
12 Contact Information
If you have questions about this disclaimer or need clarification about the limitations of our tools, please contact us:
| Contact Method | Details | Response Time |
|---|---|---|
| [email protected] | 2-3 business days | |
| Contact Form | Available on Contact page | 2-3 business days |
| Website | circularguru.net | FAQ available 24/7 |
| Professional Profile | shahzadarsi.com | Background information |
Legal Notice: This disclaimer is governed by applicable laws. If you disagree with any part of this disclaimer, please discontinue use of our tools and services immediately. Continued use indicates acceptance of all terms and limitations outlined above.
By using Circular Guru's calculators and tools, you acknowledge that you have read, understood, and accepted all limitations and disclaimers outlined above. You agree to use the tools for educational purposes only and to seek professional advice before making significant business decisions.
Effective Date: January 20, 2025 | Last Updated: January 20, 2025