License

The Financial Debt Optimizer is licensed under the BSD 3-Clause License.

For the complete license text, please see the LICENSE file in the project repository.

BSD 3-Clause License Summary

This license allows you to:

✓ Commercial Use

Use the software for commercial purposes

✓ Modification

Modify the source code

✓ Distribution

Distribute the software

✓ Private Use

Use the software for private purposes

Requirements

When using or redistributing this software, you must:

  • Include the license and copyright notice in any substantial portions of the software

  • Include the license when distributing the software

Limitations

The license provides:

  • No Liability: The authors are not liable for any damages

  • No Warranty: The software is provided “as is” without warranty

Why BSD 3-Clause?

We chose the BSD 3-Clause License because it:

  • Allows both personal and commercial use

  • Is compatible with most other licenses

  • Provides maximum freedom while protecting contributors

  • Is well-understood and widely accepted

  • Encourages widespread adoption and contribution

Full License Text

For the complete license text with all legal details, please visit: https://github.com/bryankemp/financial-debt_optimizer/blob/main/LICENSE

Third-Party Licenses

This project depends on several open-source libraries, each with their own licenses:

  • pandas: BSD 3-Clause License

  • numpy: BSD 3-Clause License

  • matplotlib: Matplotlib License (BSD-compatible)

  • xlsxwriter: BSD 2-Clause License

  • openpyxl: MIT License

  • click: BSD 3-Clause License

All dependencies are compatible with the BSD 3-Clause License.

Questions About Licensing

If you have questions about licensing or need clarification about usage rights:

  • Review the full LICENSE file

  • Check the licenses of dependencies

  • Contact the project maintainers through GitHub

  • Consult with your legal team for commercial use questions

The BSD 3-Clause License is business-friendly and should meet most use cases, but we recommend reviewing the full text for your specific situation.