Important notice: These Terms of Use constitute a legally binding agreement between you and the operator of Treasury Toolbox. By accessing or using this website, you confirm that you have read, understood, and agree to be bound by these terms. If you do not agree, please discontinue use of the website immediately.
Operator Identification
Treasury Toolbox (the “Website”) is operated by an individual based in Belgium (“the Operator”, “we”, “us”, or “our”). The Website is accessible at treasurytoolbox.com.
The Operator may intend to transfer the operation of this Website to a legal entity incorporated under Belgian law at a future date. These Terms of Use will be updated accordingly at that time, and users will be notified of any material changes.
Scope of These Terms
These Terms of Use apply to all visitors and users of the Website and govern your use of the following services currently offered:
- The Knowledge Hub, a free educational resource covering interest rate and foreign exchange risk management;
- Free market data downloads, including indicative zero-coupon yield curves and FX forward curves;
- The Treasury Toolbox newsletter, providing product updates and announcements.
These terms do not apply to any premium or paid services that may be offered in the future. Separate terms and conditions will govern such services.
Intellectual Property
All content published on this Website, including but not limited to articles, educational materials, data, charts, text, graphics, and the Website design itself, is the property of the Operator or its licensors and is protected by applicable intellectual property laws.
You may access, read, and download content from this Website for your own personal or internal business purposes. You may not:
- Reproduce, republish, or redistribute any content from the Website without prior written consent from the Operator;
- Use any content from the Website for commercial purposes, including selling, licensing, or sublicensing it to third parties;
- Remove or alter any copyright, trademark, or other proprietary notices contained in the content.
Market Data – Free Tier
The use of free market data downloaded from this Website is subject to specific Data Usage Terms presented at the point of download. By downloading any market data, you confirm your acceptance of those terms, which form an integral part of these Terms of Use.
Knowledge Hub Content
The Knowledge Hub provides educational content on interest rate and foreign exchange risk management. This content is provided for informational and educational purposes only. It does not constitute financial, legal, accounting, or investment advice, and should not be relied upon as such.
The Operator makes reasonable efforts to ensure the accuracy and completeness of Knowledge Hub content, but does not warrant that it is free from errors or that it reflects the most current market practices, regulations, or accounting standards. You should seek independent professional advice before making decisions based on content published on this Website.
Newsletter
By subscribing to the Treasury Toolbox newsletter, you consent to receiving periodic email communications from the Operator relating to product updates, new features, and announcements. The newsletter does not contain promotional content from third parties.
You may unsubscribe at any time by clicking the unsubscribe link included in every newsletter email. Your personal data is processed in accordance with our Privacy Policy.
Disclaimer of Warranties
This Website and all content and services provided through it are offered on an “as is” and “as available” basis, without any representation or warranty of any kind, express or implied, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement.
The Operator does not warrant that the Website will be available at all times, uninterrupted, or free from technical errors or viruses.
Limitation of Liability
To the fullest extent permitted by applicable law, the Operator shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or in connection with your use of this Website or the services provided, including but not limited to:
- Financial loss arising from reliance on market data, educational content, or any other information published on this Website;
- Loss of business, revenue, profit, or data;
- Damages arising from errors, inaccuracies, or omissions in any content or data;
- Interruption or unavailability of the Website.
This limitation of liability applies regardless of whether the Operator has been advised of the possibility of such damages.
Acceptable Use
You agree not to use this Website in any manner that:
- Violates any applicable local, national, or international law or regulation;
- Is unlawful, harmful, fraudulent, abusive, harassing, defamatory, or otherwise objectionable;
- Attempts to gain unauthorised access to any part of the Website or its underlying systems;
- Involves scraping, crawling, or automated extraction of data from the Website without prior written consent;
- Interferes with the normal operation of the Website or imposes an unreasonable load on its infrastructure.
Third-Party Links
This Website may contain links to third-party websites for informational purposes. The Operator does not endorse, control, or accept responsibility for the content, privacy practices, or availability of any third-party websites. Accessing third-party websites is at your own risk.
Governing Law and Jurisdiction
These Terms of Use are governed by and construed in accordance with the laws of Belgium, without regard to its conflict of law provisions.
Any dispute arising out of or in connection with these Terms of Use shall be subject to the exclusive jurisdiction of the courts of Belgium.
Changes to These Terms
The Operator reserves the right to update or modify these Terms of Use at any time. Changes will be effective upon publication on this page, with the “Last updated” date revised accordingly. Your continued use of the Website following any changes constitutes your acceptance of the revised terms.
Material changes — such as those resulting from the transfer of operations to a legal entity or the introduction of paid services — will be communicated to newsletter subscribers in advance.
Contact
If you have any questions or concerns regarding these Terms of Use, please contact us via the contact form on this Website.
Last updates: March 2026