Terms of Use

Acceptance of Terms

By accessing and using the Compound Growth & FIRE Calculator at basispoint.net/fire ("the Service"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Service.

Description of Service

BasisPoint provides free, browser-based financial calculators and educational content. The Service includes compound interest calculators, FIRE (Financial Independence, Retire Early) calculators, educational articles, and related tools.

Not Financial Advice

The Service is provided for educational and informational purposes only. Nothing on this website constitutes personalized financial, tax, investment, or legal advice. The calculators and content are tools to help you understand financial concepts and model hypothetical scenarios.

You should not make any financial decisions based solely on the output of our calculators. Always consult with qualified professionals (financial advisors, CPAs, attorneys) before making significant financial decisions.

Accuracy and Limitations

While we strive for accuracy in our calculations and content:

• Calculator results are estimates based on the assumptions you provide
• Future investment returns, inflation rates, and market conditions are inherently unpredictable
• Our models use simplified assumptions and do not account for all real-world factors (taxes, fees, market volatility, etc.)
• Historical data does not guarantee future performance
• Small changes in assumptions can materially change outcomes

We make no warranty or guarantee regarding the accuracy, completeness, or reliability of any calculations, content, or information provided through the Service.

Limitation of Liability

To the fullest extent permitted by applicable law, BasisPoint and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use the Service
• Any errors, inaccuracies, or omissions in calculations or content
• Financial decisions made based on information from the Service
• Investment losses of any kind
• Any unauthorized access to or use of our servers or personal information

Intellectual Property

All content, design, code, and intellectual property on this website is owned by BasisPoint unless otherwise noted. You may use the calculators for personal, non-commercial purposes. You may not reproduce, redistribute, or create derivative works from our content without written permission.

User Conduct

You agree not to:

• Use automated systems (bots, scrapers) to access the Service excessively
• Attempt to interfere with the proper functioning of the Service
• Use the Service for any unlawful purpose
• Intentionally click on advertisements to generate artificial revenue

Third-Party Links and Advertising

The Service may contain third-party advertisements (via Google AdSense) and links to external websites. We are not responsible for the content, accuracy, or practices of any third-party sites or advertisers. The presence of advertising does not constitute endorsement of any product or service.

Modifications

We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Service after any changes constitutes acceptance of the new terms.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of the Service shall be resolved in accordance with applicable US law.

Contact

Questions about these terms? Contact us at our Contact page or email [email protected].