Copyright (c) Ray Dumasia, 2024

Permission is hereby granted to individuals to use, copy, modify, and distribute this software for personal, non-commercial purposes, subject to the following conditions:

1. Personal Use:
   - This software is free to use for personal, non-commercial purposes. Examples of personal use include individual learning, experimentation, or personal financial management.
   - Donations to support the development of this software are welcome but not required.

2. Commercial Use:
   - Commercial enterprises, organizations, or entities wishing to use, integrate, distribute, or modify this software for commercial purposes must obtain prior written consent from Ray at worldofray@googlemail.com
   - Commercial purposes include, but are not limited to:
     - Integration into business systems or workflows.
     - Offering the software as part of a paid service or product.
     - Any activity intended to generate revenue.
   - Unauthorized commercial use of this software is strictly prohibited and may result in legal action.

3. Ownership:
   - This software remains the intellectual property of Ray Dumasia. This license does not grant ownership rights to any user.

4. Disclaimer:
   - This software is provided "as is," without warranty of any kind, express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, and non-infringement. In no event shall the author be liable for any claim, damages, or other liability arising from the use or inability to use this software.

5. Termination:
   - Permission for personal use is automatically terminated if the terms of this license are violated.

6. Donations:
   - Individuals who find this software valuable are encouraged to donate to support ongoing development at the donation link at https://www.absolutelynotfinancialadvice.co.uk

By using this software, you agree to these terms. For commercial use inquiries, please contact Ray Dumasia at worldofray@googlemail.com