Terms of Service

Last Updated: November 1, 2025

Please read these Terms of Service ("Terms") carefully before using Compound Calculator (the "Service") operated by Compound Calculator ("us," "we," or "our").

1. Acceptance of Terms

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Use of Service

2.1 Eligibility

You must be at least 13 years old to use this Service. By using the Service, you represent and warrant that you meet this age requirement.

2.2 Permitted Use

Compound Calculator provides a free service to calculate compound interest on investments with regular contributions. You may use our Service for:

• Personal financial planning and investment projections
• Retirement planning calculations
• Educational purposes to understand compound interest
• Business financial planning and analysis

2.3 Prohibited Use

You agree not to:

• Use the Service for any unlawful purpose or to solicit others to perform unlawful acts
• Violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• Infringe upon or violate our intellectual property rights or the intellectual property rights of others
• Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• Submit false or misleading information
• Upload or transmit viruses or any other type of malicious code
• Collect or track the personal information of others
• Spam, phish, pharm, pretext, spider, crawl, or scrape
• Interfere with or circumvent the security features of the Service
• Attempt to reverse engineer or extract the source code of the calculator

3. Accuracy of Information and Calculations

We strive to provide accurate compound interest calculations. However:

• Calculations are provided "as is" without warranty of any kind
• Actual investment returns may vary based on market conditions, fees, and other factors
• This calculator is for planning and educational purposes only
• Results should not be considered financial advice or guarantees of future returns
• You should consult with a qualified financial advisor for professional investment advice
• We are not responsible for any financial decisions made based on calculator results

4. No Financial Advice

The Service provides educational and calculation tools only. We do not provide financial, investment, tax, or legal advice. The calculator results are estimates based on the inputs you provide and should not be considered as professional financial advice. Always consult with qualified professionals before making financial decisions.

5. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Compound Calculator and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

6. Third-Party Services

6.1 Google AdSense

Our Service uses Google AdSense to display advertisements. By using our Service, you acknowledge that:

• Third-party vendors, including Google, use cookies to serve ads based on your visits to our website
• You may opt out of personalized advertising by visiting Google's Ad Settings
• We are not responsible for the content of advertisements displayed on our Service

6.2 Google Analytics

We also use Google Analytics on our public website to measure aggregated usage metrics such as page views, device/browser type, approximate location, and time on site. This data helps us improve performance and prioritize features. Google Analytics may set first-party cookies; you can opt out via the Google Analytics Opt-out Browser Add-on or your browser's privacy settings.

By using the Service, you consent to our use of Google Analytics as described here and in our Privacy Policy.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPOUND CALCULATOR EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The Service will meet your requirements
• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from the use of the Service will be accurate or reliable
• The calculations provided will reflect actual investment returns
• The quality of any products, services, information, or other material obtained through the Service will meet your expectations

8. Limitation of Liability

IN NO EVENT SHALL COMPOUND CALCULATOR, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE OR ANY FINANCIAL DECISIONS MADE BASED ON CALCULATOR RESULTS.

You acknowledge that any investment involves risk and that past performance does not guarantee future results. We are not responsible for any financial losses resulting from your use of this calculator or decisions made based on its results.

9. Indemnification

You agree to defend, indemnify, and hold harmless Compound Calculator and its licensees and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of your use and access of the Service, or a breach of these Terms.

10. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

11. Governing Law

These Terms shall be interpreted and governed by the laws of the jurisdiction in which Compound Calculator operates, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service.

14. Contact Information

If you have any questions about these Terms of Service, please contact us through the contact information provided on our website.

15. Acknowledgment

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM. YOU FURTHER ACKNOWLEDGE THAT THIS SERVICE IS FOR EDUCATIONAL AND PLANNING PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL ADVICE.