Legal Disclaimer & Terms of Service
Comprehensive legal framework governing the use of CompoundTool's financial calculation services
General Provisions
1.1 Platform Purpose: CompoundTool operates as an educational technology platform specializing in financial simulations and calculations.
1.2 Informational Use: All content, calculations, and analytical tools are provided strictly for informational and educational purposes only.
1.3 Regulatory Status: The platform does not constitute a financial advisory service under SEC/FINRA regulations.
1.4 User Responsibility: Users are solely responsible for their financial decisions and should verify all information independently.
Financial Advisory Disclaimer
2.1 No Substitute for Professional Advice: The tools and calculations provided should not be interpreted as personalized investment recommendations.
2.2 Regulatory Status: CompoundTool is not a registered investment advisor, broker-dealer, or financial planning service.
2.3 Risk Acknowledgement: Users assume full responsibility for any investment decisions made using this platform.
2.4 Professional Consultation: We strongly recommend consulting with a licensed financial advisor before making any investment decisions.
Calculation Methodology
3.1 Algorithmic Basis: Calculations follow standard compound interest formulas (A = P(1 + r/n)^(nt))
3.2 Margin of Error: ±1.5% variance possible due to rounding and approximation methods
3.3 Market Reality: Does not account for inflation, tax implications, or market volatility
3.4 Validation: Results should be verified against certified financial instruments
3.5 Assumptions: Calculations are based on theoretical models and may not reflect real-world conditions
Risk Disclosure Statement
4.1 Principal Risk: Potential loss of initial investment
4.2 Liquidity Risk: Market conditions may prevent timely withdrawals
4.3 Regulatory Risk: Changing financial regulations may impact returns
4.4 Currency Risk: Foreign exchange fluctuations for international investments
4.5 Market Risk: Economic conditions may affect investment performance
Data Governance Policy
5.1 Collection: Anonymous usage metrics and calculation parameters
5.2 Storage: Encrypted in AWS Frankfurt (eu-central-1) data centers
5.3 Sharing: Aggregated with third-party analytics partners (Google Analytics, Mixpanel)
5.4 Retention: 36 months from last activity date
5.5 Security: We implement industry-standard security measures to protect user data
Terms of Service
6.1 License: Limited, non-exclusive access to calculation tools
6.2 Restrictions: Reverse engineering, commercial exploitation prohibited
6.3 Liability: Maximum liability capped at €100 under EU Directive 2019/770
6.4 Governing Law: Subject to Dutch jurisdiction under EU digital service regulations
6.5 Amendments: We reserve the right to modify these terms at any time
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