Terms of Service

Last updated: June 27, 2026

These terms govern your use of SimplyInvest.tools. By using the site, you agree to them. They are written to be read, not buried — please take a minute with them.

1. Acceptance of these terms

SimplyInvest.tools (“SimplyInvest,” “we,” “us,” or “the site”) provides free investing calculators and plain-English financial education content. By accessing or using the site, you agree to be bound by these Terms of Service and by our Privacy Policy and Disclaimer. If you do not agree, please do not use the site.

2. What the site provides

The site offers educational tools and general information. The calculators run in your browser and produce illustrative estimates based on the inputs and assumptions you provide. The content is for general informational and educational purposes only.

The site does not provide financial, investment, tax, or legal advice. Nothing on the site creates an advisory or fiduciary relationship. See the full Disclaimer for detail.

3. Acceptable use

You agree to use the site lawfully and not to:

• Interfere with, disrupt, or attempt to gain unauthorized access to the site, its servers, or related systems;
• Use automated means to scrape, copy, or harvest content except as permitted by our robots.txt and applicable law;
• Reproduce, republish, or redistribute substantial portions of the site’s content as your own;
• Use the site in any way that could damage, disable, or impair it, or interfere with anyone else’s use of it.

4. No warranties

The site and all content and tools are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or that calculator results, figures, or third-party data will be accurate, complete, or current.

5. Limitation of liability

To the fullest extent permitted by law, SimplyInvest and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or related to your use of (or inability to use) the site or your reliance on any content or calculator result — even if we have been advised of the possibility of such damages. Your sole and exclusive remedy for dissatisfaction with the site is to stop using it.

6. Financial decisions are your own

Any decision you make based on the site’s tools or content is your own responsibility. Investing involves risk, including the possible loss of principal, and past performance does not guarantee future results. Consult a licensed professional before making financial decisions.

7. Intellectual property

The site’s original content, design, text, and code are owned by SimplyInvest.tools and protected by applicable intellectual-property laws. You may link to the site and quote brief excerpts with attribution. You may not copy or reuse substantial portions without permission. Third-party names, data, and trademarks referenced on the site (for example, source publications we cite) remain the property of their respective owners.

8. Third-party links and advertising

The site links to third-party sources and may display advertising and, in the future, affiliate links. We are not responsible for the content, policies, or practices of third-party sites. The presence of a link or ad is not an endorsement. See our Privacy Policy for how advertising cookies are handled and our Disclaimer for advertising and affiliate disclosure.

9. Changes to the site and to these terms

We may modify, suspend, or discontinue any part of the site at any time. We may also update these terms from time to time; when we do, we will revise the “Last updated” date above. Your continued use of the site after a change means you accept the revised terms.

10. Governing law

These terms are governed by the laws of the State of California, United States, without regard to its conflict-of-laws rules. Any dispute arising from these terms or your use of the site will be subject to the exclusive jurisdiction of the state and federal courts located in California.

11. Contact

Questions about these terms? Reach us through the Contact page.

SimplyInvest.tools provides educational tools and information only. Nothing on this site is financial advice.