Terms of Service

1. Acceptance of Terms

By downloading, accessing, or using the cmpnd. app ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please uninstall and discontinue use of the App immediately.

2. Description of the App

cmpnd. is a compound interest calculator mobile application designed to help users perform financial calculations including growth projections, withdrawal planning, and loan amortization. The App provides mathematical calculations only and is not a substitute for professional financial advice.

3. No Financial Advice

THE APP DOES NOT PROVIDE FINANCIAL ADVICE. The calculations, projections, and results provided by the App are for informational purposes only. We are not registered investment advisors, broker-dealers, or financial planners. The information provided should not be relied upon for making investment or financial decisions.

4. Disclaimer of Liability for Financial Decisions

You acknowledge and agree that:

• We are not responsible or liable for any financial decisions you make based on the App's calculations
• All financial decisions are made at your own risk
• Actual financial results will differ from calculated projections
• The App does not account for taxes, fees, inflation, market volatility, or other real-world factors
• You should consult with qualified professionals before making financial decisions

5. Use of the App

• Eligibility: You must be at least 13 years old to use the App.
• Compliance: You agree to use the App in compliance with all applicable laws and regulations.
• License: We grant you a non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes.
• Accuracy of Input: You are responsible for the accuracy of all data you input into the App.

6. Intellectual Property

All content, features, and functionality of the App, including but not limited to text, graphics, logos, and software, are the exclusive property of the App developers and are protected by international copyright, trademark, and other intellectual property laws.

7. Disclaimer of Warranties

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Accuracy of calculations or projections
• Suitability for any particular financial purpose
• Merchantability or fitness for a particular purpose
• Non-infringement
• Security or error-free operation

8. Limitation of Liability

IN NO EVENT SHALL THE APP DEVELOPERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Financial losses or gains
• Lost profits or opportunities
• Investment losses
• Tax consequences
• Any damages arising from your use of or inability to use the App

9. Indemnification

You agree to indemnify, defend, and hold harmless the App developers from any claims, liabilities, damages, losses, or expenses (including attorney's fees) arising from:

• Your use of the App
• Your financial decisions
• Your violation of these Terms
• Your violation of any rights of another party

10. Changes to the Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting within the App. Your continued use of the App constitutes acceptance of the new Terms.

11. Termination

We may terminate or suspend your access to the App immediately, without prior notice, for any reason whatsoever.

12. Governing Law

These Terms shall be governed by the laws of the United States and the State of California, without regard to conflict of law provisions.

13. Contact Information

For questions about these Terms, contact us at:

• Email: titofebus@gmail.com

Privacy Policy

1. Introduction

Your privacy is important to us. This Privacy Policy explains our practices regarding the cmpnd. app ("the App"). By using the App, you agree to this Privacy Policy.

2. Information Collection

We do not collect, store, or transmit any personal information or financial data. All calculations and data entered into the App are processed locally on your device and are never sent to our servers or any third parties.

3. Data Storage

All data you input into the App, including:

• Principal amounts
• Interest rates
• Time periods
• Contribution amounts
• All calculation results

Are stored locally on your device only. This data is never transmitted to us or any third party.

4. No Analytics or Tracking

The App does not use any analytics services, tracking cookies, or other monitoring technologies. Your usage of the App is completely private.

5. Third-Party Services

The App does not integrate with or use any third-party services that could collect your information.

6. Data Security

Since all data remains on your device, security is managed by your device's operating system. We recommend:

• Using device lock screens and passwords
• Keeping your device's operating system updated
• Not sharing your device with untrusted parties

7. Children's Privacy

The App is not intended for children under 13. We do not knowingly collect information from children.

8. Financial Information Security

While the App processes financial calculations, remember that:

• No actual financial accounts are linked to the App
• No real transactions occur through the App
• All calculations are hypothetical
• No financial credentials should ever be entered

9. Changes to Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted within the App.

10. Your Rights

Since we don't collect any data, there is no personal information for us to delete, modify, or provide to you. All your data exists solely on your device under your control.

11. Contact Us

If you have questions about this Privacy Policy, contact us at:

• Email: titofebus@gmail.com

Last Updated: January 2025