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Terms of Service

Last updated: May 1, 2026

These Terms of Service ("Terms") govern your use of Cumulative Interest Calculator ("Service", "we", "us"), available at cumulativeinterestcalculator.com. By accessing or using the Service, you agree to be bound by these Terms.

1. Use of the Service

The Service provides free educational tools and content related to interest calculations and personal finance. You may use the Service for personal, non-commercial purposes without charge.

2. No Financial Advice

The information and tools on this site are for educational purposes only. Nothing on this Service constitutes financial, investment, legal, accounting, or tax advice. Calculator outputs are projections based on the inputs you provide and assumptions you choose; actual results may differ materially.

Always consult a licensed financial professional before making financial decisions. We are not licensed brokers, advisors, or fiduciaries.

3. Accuracy

We strive for mathematical accuracy and follow standard, well-documented financial formulas. However, we do not warrant that the Service will be error-free, uninterrupted, or always available.

4. Intellectual Property

All content, design, code, branding, and educational materials on this Service are owned by Cumulative Interest Calculator or its licensors and protected by copyright and other intellectual property laws. You may quote short excerpts of our written content with attribution and a link back to the source page.

You may not republish, scrape, redistribute, or create derivative works of substantial portions of the Service without prior written permission.

5. User Conduct

You agree not to:

  • Use the Service for unlawful purposes.
  • Attempt to bypass security or access non-public areas of the Service.
  • Use automated means to scrape or extract data at a rate that disrupts the Service.
  • Reverse-engineer, disassemble, or modify any portion of the Service.

6. Third-Party Links

The Service may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of those sites. Following an external link is at your own risk.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL CUMULATIVE INTEREST CALCULATOR BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

9. Indemnification

You agree to indemnify and hold harmless Cumulative Interest Calculator from any claims, losses, or damages arising from your misuse of the Service or violation of these Terms.

10. Changes to These Terms

We may update these Terms at any time. The "last updated" date will reflect changes. Continued use of the Service after updates constitutes acceptance of the new Terms.

11. Governing Law

These Terms are governed by applicable consumer protection and contract laws of the jurisdiction in which Cumulative Interest Calculator operates. Disputes will be resolved in the appropriate courts of that jurisdiction.

12. Contact

Questions? Email [email protected].