1. Acceptance of Terms

By accessing or using AmericanCompoundCalculator.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.

2. Educational Purpose Only — Not Financial Advice

All content, calculations, and information provided on this Site are for educational and informational purposes only. The compound interest calculations are mathematical estimates based on the inputs you provide. They do not account for:

Taxes on investment gains
Investment fees and expenses
Market volatility and actual investment performance
Individual financial circumstances
Changes in interest rates over time

Nothing on this Site constitutes financial, investment, tax, or legal advice. You should consult a qualified financial advisor, tax professional, or attorney before making any financial decisions.

3. No Warranty

The Site and its content are provided "as is" and "as available," without warranty of any kind, express or implied. We do not warrant that:

The calculations are free of errors or will meet your specific requirements
The Site will be available uninterrupted or error-free
Results will be accurate or applicable to your personal financial situation

To the fullest extent permitted by applicable law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

4. Limitation of Liability

In no event shall AmericanCompoundCalculator.com, its creators, or contributors be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on the Site or its calculations, even if advised of the possibility of such damages. Your sole remedy for dissatisfaction with the Site is to stop using it.

5. User Responsibilities

By using the Site, you agree to:

Use the Site only for lawful purposes
Not attempt to disrupt, interfere with, or compromise the Site's security or functionality
Not use the Site to provide financial advice to others in a professional capacity without appropriate disclosures
Independently verify all calculations before relying on them for financial decisions

6. Intellectual Property

All content on the Site, including text, calculations, design, and code, is the property of AmericanCompoundCalculator.com and is protected by copyright. You may use the calculator for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works without our written permission.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, USA, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Illinois.

8. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Continued use of the Site after changes constitutes your acceptance of the revised Terms.

9. Contact

Questions about these Terms? Contact us at: contact@americancompoundcalculator.com