Terms of Service

SmartYieldCalc is a free online financial calculator designed to help users project investment returns and plan for their financial future.

This service provides:
- Compound interest calculations
- Investment growth visualizations
- Financial planning reference information

Please note that this tool is intended for educational and informational purposes only.

Important: All results provided by this calculator are for informational purposes only and do not constitute investment advice, financial advice, or professional consultation of any kind.

You should be aware that:
- Actual investment returns are affected by market fluctuations, inflation, taxes, and many other factors
- Past performance does not guarantee future results
- This calculator assumes a fixed interest rate; actual rates may vary
- Results do not account for fees, taxes, or inflation

Before making any investment decision, we strongly recommend that you:
- Consult a licensed financial advisor or qualified professional
- Fully understand the associated risks
- Conduct your own independent due diligence

This tool is for educational purposes only and does not constitute investment advice.

By using this website, you agree to the following terms:

You agree to:
- Use this service for lawful purposes only
- Not abuse or interfere with the normal operation of this service
- Not attempt unauthorized access to any part of this service
- Not use automated tools to scrape or mass-access this website

We reserve the right to:
- Modify, suspend, or terminate the service at any time
- Refuse service to any user
- Remove any content that violates these terms

All content on this website — including but not limited to text, graphics, logos, icons, images, and software — is the property of SmartYieldCalc or its content providers and is protected by international copyright law.

You may not:
- Copy, modify, or distribute website content without permission
- Remove any copyright or proprietary notices
- Use website content for commercial purposes without written permission

You may:
- Print or download pages for personal, non-commercial use
- Share links to this website

To the maximum extent permitted by applicable law, SmartYieldCalc and its operators shall not be liable for:

We are not liable for:
- Any investment losses resulting from decisions made using this calculator
- The accuracy or completeness of calculation results
- Any losses caused by service interruptions or unavailability
- Any damages caused by third-party linked websites
- Any indirect, incidental, special, or consequential damages

Liability cap:
In no event shall our total liability exceed the amount you have paid us in the past 12 months, if any.

These Terms of Service are governed by applicable international law.

Dispute resolution:
- Any disputes arising from these terms should first be resolved through good-faith negotiation
- If negotiation fails, disputes may be submitted to a competent arbitration body
- EU users may also file a complaint with their local regulatory authority

Severability:
If any part of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

We reserve the right to modify these Terms of Service at any time.

Notice of changes:
- Material changes will be announced on the website
- Continued use of the service constitutes acceptance of the updated terms
- If you do not agree with the new terms, please discontinue use of this service