These Terms of Use (“Terms”) govern your use of Compound Years at compoundyears.com (the “Site”), operated by Swift Media (“we”, “us”, “our”). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Educational information only — not advice
The Site provides calculators, guides and general information about investing for educational purposes. Nothing on the Site is financial, investment, tax, legal or other professional advice, and nothing is a recommendation, offer or solicitation to buy, sell or hold any security, fund or other product.
The Site does not take your personal circumstances, objectives or financial situation into account. Before making any financial decision, you should consider your own situation and, where appropriate, seek advice from a qualified professional.
2. Calculators and projections
Calculator results are estimates based on the inputs and assumptions you choose, such as returns, fees, inflation, tax rates and exchange-rate movements. They use simplified models with constant rates and are not predictions or guarantees of future results. Actual investment returns vary, investments can fall as well as rise, and you may get back less than you invest. Past performance is not a reliable indicator of future results.
3. Accuracy of information
We take care to keep information accurate and up to date, including fund details such as fees, domicile and dividend policy. However, information may be incomplete, out of date or contain errors, and fund providers may change their products at any time. We make no representation or warranty that any information on the Site is accurate, complete or current. Always verify important information with the fund provider or another authoritative source.
4. Use of the Site
You agree to use the Site lawfully and not to:
- use the Site in any way that breaches applicable law or regulation;
- attempt to gain unauthorised access to the Site, its servers or related systems;
- interfere with or disrupt the Site, including by introducing malicious code or excessive automated requests;
- scrape, copy or republish substantial parts of the Site's content for commercial purposes without our written permission.
5. Intellectual property
The Site, including its design, text, graphics, images, calculators and code, is owned by Swift Media or its licensors and is protected by intellectual property laws. You may view and use the Site for personal, non-commercial purposes and share links to it. You may not reproduce, modify or distribute its content without our prior written permission, except as allowed by law. Fund names and index names are trademarks of their respective owners and are used for identification only.
6. Third-party links and advertising
The Site may contain links to third-party websites and may display advertising provided by third parties, including Google. We do not control and are not responsible for third-party websites, products, services or advertisements, and their inclusion does not imply endorsement. Your use of third-party websites is subject to their own terms and policies.
7. Availability
The Site is provided free of charge on an “as is” and “as available” basis. We may change, suspend or discontinue any part of the Site at any time without notice, and we do not guarantee that the Site will be uninterrupted, secure or free of errors.
8. Limitation of liability
To the fullest extent permitted by law, Swift Media will not be liable for any loss or damage arising from your use of, or reliance on, the Site or its content, including any investment losses, loss of profits, or indirect or consequential loss. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.
9. Privacy
Our Privacy Policy explains how we handle information when you use the Site.
10. Changes to these Terms
We may update these Terms from time to time. The “Last updated” date above shows when they were last revised. Continuing to use the Site after changes take effect means you accept the updated Terms.
11. Governing law
These Terms are governed by the laws of Lebanon. Any dispute relating to these Terms or the Site will be subject to the jurisdiction of the competent courts of Lebanon, unless the law of your country of residence requires otherwise.
12. Contact
Questions about these Terms: hello@compoundyears.com.