The terms and conditions governing the use of our services
2026/02/08
Terms of Service
Last updated and effective date: 8 February 2026
PLEASE READ THESE TERMS OF SERVICE (“AGREEMENT” OR “TERMS”) CAREFULLY BEFORE ACCESSING OR USING OUR WEBSITE, APPLICATIONS, OR RELATED SERVICES (COLLECTIVELY, THE “SERVICES”). THESE TERMS CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND US. BY ACCESSING OR USING THE SERVICES IN ANY MANNER, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS.
These Terms govern your access to and use of the Services, including our S&P 500 investment calculator (the “Calculator”), related charts and tables, our blog content, and any other features we make available. If you do not agree to these Terms, you may not access or use the Services.
We reserve the right, in our sole discretion, to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice.
The Services are provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, whether express, implied, statutory, or otherwise. To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and availability.
We do not warrant that the Services will be uninterrupted, timely, secure, error-free, or free of harmful components, nor do we warrant that any defects will be corrected.
Your use of the Services is at your sole risk.
The Services are for informational and educational purposes only. We do not provide investment, legal, tax, or financial advice. You are solely responsible for your investment decisions and for evaluating whether the Services are appropriate for your circumstances.
The Calculator results are estimates based solely on your inputs and the assumptions described on the site. Historical S&P 500 return information is provided as reference only and does not predict future results.
The Calculator does not require you to create an account. If we introduce optional account features in the future, you agree to provide accurate, current, and complete information during registration and to keep such information up to date. You are responsible for maintaining the confidentiality of your credentials and for activities that occur under your account.
The Services, including but not limited to all content, software, code, designs, text, graphics, images, logos, trademarks, service marks, and other materials, are owned by us or our licensors and are protected by applicable intellectual property laws, including copyright, trademark, and patent laws.
Except as expressly authorized under these Terms, you may not copy, modify, distribute, sell, lease, sublicense, reverse engineer, or otherwise exploit any portion of the Services without our prior written consent.
If you provide comments, ideas, suggestions, or other feedback about the Services (“Feedback”), you grant us a non-exclusive, worldwide, royalty-free, irrevocable, sublicensable, and transferable license to use the Feedback for any purpose, including to operate, improve, and promote the Services, without compensation to you.
As a condition of your use of the Services, you agree not to, and not to permit any third party to:
Use the Services in any manner that violates any applicable law, regulation, or legal obligation
Engage in conduct that interferes with, disrupts, or restricts the use or enjoyment of the Services by any other user
Attempt to gain unauthorized access to any systems, servers, or networks connected to the Services
Upload, transmit, or distribute malware, viruses, or other harmful or malicious code
Use the Services for any unlawful, harmful, fraudulent, or abusive purpose
We reserve the right to investigate and take appropriate legal action against any violation of this section.
We may, in our sole discretion, suspend or terminate your access to the Services immediately, with or without notice and without liability, for any reason, including but not limited to your violation of these Terms.
Upon termination, your right to access and use the Services will immediately cease. Any provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property rights, disclaimers, limitations of liability, and indemnification obligations.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
We reserve the right to modify or replace these Terms at any time at our sole discretion. Any changes will be effective upon posting the updated Terms on this page, with the revised effective date indicated above.
Your continued use of the Services following the posting of any changes constitutes your acceptance of the revised Terms.
If you have any questions or concerns regarding these Terms, you may contact us through the contact information provided on our website.