Terms of Use

1. Agreement to these Terms

These Terms of Use ("Terms") govern your access to and use of the website at compoundpage.com and its calculators, embeddable calculators, data files, search and related content and functionality (together, the "Service"), provided by the operator of compoundpage.com ("we," "us" or "our"). By accessing or using the Service, you agree to be bound by these Terms and by the Privacy Policy. If you do not agree, you must not use the Service. If you use the Service on behalf of an organization, you agree to these Terms on its behalf and represent that you have the authority to do so.

2. Eligibility

You must have the legal capacity to enter into these Terms. The Service is not directed to children under 13. Where a calculator relates to an activity that is restricted by age or by law where you are, you are solely responsible for complying with the laws that apply to you.

3. Informational purposes only; no professional advice

The Service and all results, content and data it provides are for general informational and educational purposes only. Nothing in the Service constitutes financial, investment, tax, accounting, legal, medical, health, nutritional, engineering, construction, electrical or other professional advice, or a recommendation, offer or solicitation to buy, sell or enter into any product, transaction or course of action. Your use of the Service does not create a professional, advisory, fiduciary, confidential or other special relationship between you and us or anyone who contributed to or reviewed the Service. The Service is not a medical device and is not intended for the diagnosis, treatment, mitigation or prevention of any disease or condition, or for calculating medication doses. Before making any decision, you should consult a qualified professional who knows your circumstances.

4. Results are estimates; your responsibility

Results are estimates generated from the inputs you provide, the assumptions and methods each calculator uses, and data drawn from third-party and public sources. Results may be inaccurate, incomplete, out of date or unsuitable for your circumstances, and may differ from figures produced by lenders, employers, government agencies, platforms or professionals. Interest rates, fees, tax laws, building codes and other published figures change, and we have no obligation to update the Service or any result. You are solely responsible for verifying any result against authoritative sources before relying on it, and for every decision you make and action you take. The Service is not designed or intended for use in any situation in which an error or inaccuracy could result in death, personal injury, property damage or significant financial loss, including medication dosing, structural, electrical or mechanical design, vehicle fitment, or the computation of legal, regulatory or contractual deadlines, and you must not rely on it as the sole basis for any such purpose. You assume all risk arising from your use of, or reliance on, the Service.

5. Third-party information and names

The Service includes or relies on information published by third parties, including government agencies, standards bodies and companies, which we do not control and for which we are not responsible. Product, company, program and other names used in the Service are the property of their respective owners and are used only to identify the subject of a calculation. Their use does not imply any affiliation with, endorsement by or sponsorship by their owners, and we are not affiliated with, endorsed by or sponsored by any of them. Links to third-party websites are provided for convenience; we do not control or endorse those websites and are not responsible for their content, accuracy or practices.

6. Permitted use and restrictions

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for lawful purposes. You must not: (a) use the Service in violation of any applicable law or the rights of any person; (b) interfere with, disrupt or place an unreasonable load on the Service, including through high-volume automated requests; (c) attempt to gain unauthorized access to the Service or the systems that provide it; (d) alter or present results in a misleading way, or present them as personalized professional advice; or (e) state or imply that we endorse you or any product, service or content of yours.

7. Embedded calculators and data files

You may embed the Service's calculators in, and use its published data files with, your own website or application, subject to these Terms, including Section 6. By embedding a calculator, or by retrieving or using a data file, you agree to these Terms. You are solely responsible for your website or application and for how the Service is presented to its users. You must not remove, alter, obscure or contradict any notice, disclaimer, link or attribution that an embedded calculator displays or that a data file includes, and you must not present a result as your own advice or as advice from us. Embedded calculators and data files are provided on the terms of Sections 9 and 10, and we may change, limit or withdraw them, or block their use by any website or application, at any time without notice.

8. Intellectual property

Except for third-party materials and material in the public domain, the Service, including its text, design, software and the selection and arrangement of its content, is owned by us or our licensors and is protected by intellectual property laws. Except as expressly permitted in these Terms, no right or license is granted to you, by implication or otherwise.

9. Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL RESULTS, CONTENT AND DATA IT PROVIDES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS, AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY WARRANTY OF ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE OR FREE OF ERRORS. NO RESULT OR INFORMATION OBTAINED FROM THE SERVICE CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL WE OR OUR OWNERS, OPERATORS, CONTRIBUTORS, REVIEWERS, LICENSORS OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, DATA OR GOODWILL, OR FOR ANY TAXES, PENALTIES, INTEREST, FEES OR COSTS OF SUBSTITUTE GOODS OR SERVICES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). THESE LIMITATIONS APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

11. Indemnification

To the fullest extent permitted by applicable law, you will defend, indemnify and hold harmless us and our owners, operators, contributors, reviewers, licensors and service providers from and against any claims, liabilities, damages, losses and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Service, your embedding or redistribution of any part of it, your violation of these Terms, or your violation of any law or the rights of any third party.

12. Time limit for claims

To the fullest extent permitted by applicable law, any claim arising out of or relating to the Service or these Terms must be brought within one (1) year after the claim arises, and is permanently barred if it is not.

13. Changes to the Service and these Terms

We may modify, suspend or discontinue any part of the Service at any time, without notice or liability. We may revise these Terms at any time by posting the revised Terms with a new effective date. Your continued use of the Service after that date constitutes acceptance of the revised Terms.

14. Rights that cannot be limited

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of certain liabilities. In those jurisdictions, the exclusions and limitations in these Terms apply only to the extent permitted by law, and nothing in these Terms limits any right you have that cannot lawfully be limited or waived. Without limiting the foregoing, if you reside in New Jersey and any provision of Section 9, 10, 11 or 12 is held unenforceable, void or inapplicable under New Jersey law, that provision does not apply to you to that extent, and the remainder of these Terms remains binding on you and us.

15. General

If any provision of these Terms is held invalid or unenforceable, it will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of it. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service and supersede any prior understanding. We may assign these Terms without restriction; you may not assign them without our prior written consent. Section headings are for convenience only. Sections 3, 4, 5, 7, 8, 9, 10, 11, 12, 14 and 15 survive any termination of your use of the Service.