Terms of service
Welcome to cic4.cc.cd (the "site"). Please read these terms before using any tool or content on the site. By using the site you agree to be bound by them.
1. Nature of the service
This site is a free online mathematical calculator and financial-literacy website. It provides compound interest, regular investment and present/future value calculators together with original educational articles.
- All tools are free to use. There is no registration and no paid tier.
- This site is not a financial institution. We do not sell, broker or recommend any financial product.
- This site does not provide investment advice and is not a financial advisory service of any kind.
2. Disclaimer regarding results
The calculators operate on the inputs you provide using standard mathematical formulas, and the output is a theoretical projection:
- Results are for reference only and are not investment advice, and they do not represent the actual return of any product.
- The rates and other figures you enter are your own assumptions. Actual market rates, a product's compounding rules, fees and inflation can all make real outcomes differ from the projection.
- Investing involves risk. Any decision you make based on these projections, and its consequences, are your own responsibility, and the site is not liable for any direct or indirect loss.
3. Intellectual property
The page designs, educational articles, calculator code and other content on this site belong to us. Please do not copy, republish or mirror the content for commercial purposes without written permission. The underlying mathematical formulas are public knowledge, and anyone is free to build a similar tool.
4. Acceptable use
When using this site you must not:
- use automated programs to send malicious requests, stress-test the site or otherwise disrupt its operation;
- damage or attempt to damage the site's security mechanisms in any way;
- use the site for any purpose that violates applicable law.
5. Advertising
This site may display third-party advertising, such as Google AdSense. Ad content is served by the ad networks under their own rules, and we make no warranty about that content or about the products and services it links to. Any transaction or interaction between you and an advertiser is unrelated to this site.
6. Changes and suspension of service
We reserve the right to modify, suspend or discontinue part or all of the service at any time without notice, and we accept no liability for the consequences of doing so.
7. Changes to these terms
These terms may be updated from time to time. When they are, we will update the date at the top of the page. Continuing to use the site after an update means you accept the revised terms.
8. Contact
If you have any question about these terms, please contact us at the email address shown on the contact page.