Terms of Service

1. The App

Compound Interest: Calculator is a financial calculation and planning tool for personal, non-commercial use. It helps you model how money may grow over time using compound-interest calculations based on assumptions you enter.

Features may include modelling an initial investment, interest rate, duration, regular contributions, contribution and compounding frequencies, projected balance, total contributions, estimated interest, year-by-year breakdowns, interactive charts, saved scenarios, scenario comparison, advanced assumptions such as inflation or contribution increases, and multiple currencies for display purposes.

The App does not connect to bank accounts, move money, invest money, execute trades, or provide regulated financial advice.

2. Acceptance and eligibility

You must be old enough to form a binding contract in your jurisdiction, and in any case at least 13 years old (or the higher age required where you live). If you are under the age of majority, you represent that a parent or legal guardian has reviewed and agreed to these Terms on your behalf.

You must comply with Apple's App Store terms and applicable local laws.

3. Licence grant

Subject to your compliance with these Terms and Apple's App Store rules, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to download and use the App on Apple-branded products that you own or control, solely for your personal use, as permitted by the App Store Terms of Use / Licensed Application End User License Agreement (Apple's standard EULA), as applicable: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

You may not copy, modify, distribute, sell, rent, reverse engineer, or attempt to bypass security, purchase, or entitlement controls except where mandatory law allows.

4. Important financial disclaimer

Compound Interest: Calculator is an informational calculation tool only.

The App does not provide financial advice, investment advice, tax advice, legal advice, or accounting advice.

Calculations, charts, projected balances, interest estimates, and year-by-year breakdowns are estimates based entirely on the information and assumptions you supply. Actual investment returns, inflation, interest rates, fees, taxes, charges, market conditions, and other factors can differ materially from any estimate shown in the App.

Three Two One Global does not guarantee future returns, investment performance, calculation outcomes, or that any particular financial objective will be achieved.

Currency selection in the App changes the displayed currency symbol for modelling purposes. It does not perform foreign-exchange conversion, provide live FX rates, or constitute currency-exchange information.

You remain solely responsible for your own financial decisions. If you need advice, consult an appropriately qualified professional.

5. Permitted and prohibited use

You agree to use the App only for lawful personal purposes and in accordance with these Terms.

You agree not to:

• Use the App for any unlawful, fraudulent, or abusive purpose
• Attempt to gain unauthorised access to entitlements or systems
• Misuse restore purchases or refunds in bad faith
• Interfere with or disrupt the App or other users' devices
• Present App estimates as guaranteed investment returns or as professional advice
• Use the App in any way that could create liability for us or Apple

6. Subscriptions and in-app purchases

Certain features of the App may require an optional in-app purchase or subscription. Pricing, billing, renewal, cancellation, and refunds are handled by Apple through your Apple ID and are subject to Apple's terms.

We use RevenueCat to help manage purchase status and entitlements. RevenueCat does not process your full payment card details on our behalf for App Store billing.

You are responsible for managing subscriptions through your Apple ID account settings.

7. Third-party services

The App may rely on third-party services, including Apple (App Store, StoreKit, device OS features), RevenueCat (purchase and entitlement management), and PostHog (product analytics). Those services are subject to their own terms and privacy policies.

The App uses third-party service providers, including product analytics services such as PostHog, to help us understand use of the App, maintain and improve functionality, and improve the user experience. Processing of personal information in connection with these services is described in the Privacy Policy.

8. Privacy

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. If there is a conflict between these Terms and the Privacy Policy on a privacy-specific topic, the Privacy Policy controls for that topic.

9. Intellectual property

The App, including its software, design, branding, text, layout, charts, and other materials, is owned by us or our licensors and is protected by intellectual property laws. These Terms do not transfer ownership of the App to you.

10. Availability and modifications

We may update, modify, suspend, or discontinue the App or any feature at any time, with or without notice, where permitted by law. We do not guarantee uninterrupted or error-free service.

We may update these Terms from time to time. When we do, we will revise the effective / last updated date above. Continued use of the App after updated Terms take effect constitutes acceptance of the revised Terms to the extent permitted by law.

11. Disclaimer of warranties

To the fullest extent permitted by law, the App is provided on an "as is" and "as available" basis.

We make no warranties or representations regarding accuracy, reliability, availability, suitability, performance, or fitness for a particular purpose, including the accuracy of any calculation estimate.

12. Limitation of liability

To the fullest extent permitted by applicable law:

• We are not liable for any indirect, incidental, consequential, special, exemplary, or punitive damages
• We are not responsible for investment losses, missed opportunities, tax consequences, or financial decisions made in reliance on App estimates
• We are not liable for interruptions, delays, or temporary unavailability of the App caused by third-party providers or circumstances beyond our reasonable control

Nothing in these Terms excludes liability that cannot legally be limited or excluded under applicable law.

13. Termination

You may stop using the App at any time by deleting it from your device.

We may suspend or terminate access if you violate these Terms, misuse the App, or if continued access presents a legal, operational, or security risk.

14. Apple-required terms (iOS / App Store)

You acknowledge that:

• These Terms are between you and us, not with Apple
• Apple has no obligation to furnish any maintenance or support services for the App
• In the event of any failure of the App to conform to an applicable warranty, you may notify Apple, and Apple may refund the purchase price for the App (if any) to the extent required by Apple's terms; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App
• Apple is not responsible for addressing claims by you or any third party relating to the App or your possession or use of the App
• In the event of any third-party claim that the App or your possession and use of the App infringes intellectual property rights, we (not Apple) are responsible for the investigation, defence, settlement, and discharge of such claim to the extent required by these Terms and applicable law
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary

15. Governing law

These Terms are governed by the laws of England and Wales, without regard to conflict-of-law rules that would require another jurisdiction's laws.

The courts of England and Wales have exclusive jurisdiction over disputes arising out of or relating to these Terms or the App, except where mandatory consumer protection laws in your country of residence require otherwise. Nothing in this section limits any non-waivable consumer rights you may have.

16. Contact

Questions about these Terms:

Three Two One Global Ltd

Email: [email protected]