Legal Disclaimer & Terms of Service

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.

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.

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

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

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

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