Terms

Terms of Service

Last updated: October 2026

The following terms apply to retlivo.com (the "Site"). Acceptance is implied by use, so if they are not acceptable to you, please stop using the Site.

The tool this page covers is RetLivo, a profit margin calculator. Put simply, it works out profit margin, markup and selling price from a cost and a target margin, reporting gross and net figures as it goes, and the way it does so is this: it divides profit by revenue for a margin and by cost for a markup — the two are easily confused, and showing both together is what stops a price being set from the wrong one. Everything stated here applies to that tool and the values it handles, and to nothing else.

In day-to-day use the tool works only from your cost, price and desired margin, and it is usually opened for things like pricing a product from its cost. None of that reaches us, so none of it can be stored.

About this Site and its tools

What retlivo.com offers is a profit margin calculator, free of charge and for general information. Results are estimates generated from your input by the method the page describes. Money results rest on assumptions about rates, contributions and taxes that will not hold precisely, and are illustrations rather than advice.

No duty of care created

Nothing here forms a client, advisory or fiduciary relationship. The Site is a tool, and how you act on its output is a matter for you.

Not financial advice

Financial results rest on assumptions about rates, contributions, fees and taxes that will not hold exactly. They are illustrative, not advice, and should not be the only basis for a financial decision. Consult a licensed adviser before acting on a projection.

Accuracy

We aim to be correct and to say how the result is produced. That is not a warranty: results may contain mistakes and the material may fall out of date. Treat any figure with a known margin as an estimate.

Acceptable use

You may use the Site for personal and professional purposes. You may not attempt to disrupt it, scrape it at a rate that degrades service for others, present it as your own, or use it for anything unlawful.

Content ownership and license

The design, wording and code are ours or used under license unless credited otherwise. Linking is encouraged; reproducing large sections needs written permission.

Third-party content and advertising

Advertising from third parties supports the Site, and external links may appear for reference. We are not responsible for what those third parties do. Ads never change a result.

Uptime and changes to the service

We make no guarantee the Site will always be available. Any tool or page may be changed or removed at any time, and the service is supplied "as is".

What we are not liable for

So far as the law allows, we accept no liability for indirect or consequential losses, nor for any choice made in reliance on an output from the Site.

Which law applies

These terms are governed by the laws applicable to the operator of the Site, without regard to conflict-of-law rules.

Questions about these terms

Questions about these terms can be sent through the contact page.