Terms of Service

Acceptance of Terms

Welcome to Investment Goal Planner. By using this App, you agree to comply with the following terms of service. If you do not agree to these terms, please do not use the App.

Service Description

Investment Goal Planner is a financial planning tool designed to:

• Simulate compound growth of investment goals
• Calculate time required to reach goals
• Visualize fund growth trends
• Manage multiple investment goals

Disclaimer

For Reference Only

All calculations and projections provided by the App are for reference only and do not constitute investment advice, financial advice, or return guarantees.

Investment Risks

• Investments carry risks; past performance does not guarantee future results
• Actual investment returns may differ significantly from app projections
• Market volatility and economic conditions affect actual returns
• You should make investment decisions carefully based on your circumstances

Professional Advice

The App cannot replace professional financial consultation. For professional investment advice, please consult:

• Licensed financial advisors
• Professional investment institutions
• Certified public accountants

Usage Restrictions

You agree not to:

• Use the App for any illegal purpose
• Attempt to crack, decompile, or modify the App
• Interfere with the normal operation of the App
• Infringe on the App's intellectual property

Intellectual Property

The App and all its content (including but not limited to text, graphics, code, design) are protected by intellectual property laws. Unauthorized copying, modification, distribution, or creation of derivative works is prohibited.

Data Responsibility

• You are responsible for backing up your own data
• We are not liable for data loss
• Regular backups using the export function are recommended

Service Changes

We reserve the right to modify, suspend, or terminate app services at any time without notice. We are not liable for any losses caused by service changes.

Limitation of Liability

To the maximum extent permitted by law:

• The App is provided "as is" without any express or implied warranties
• We are not liable for any direct, indirect, incidental, or consequential damages resulting from use of the App
• We do not guarantee the App will be error-free or uninterrupted

Terms Changes

We may update these terms of service from time to time. Significant changes will be notified in the App. Continued use of the App indicates acceptance of updated terms.

Governing Law

These terms are governed by the laws of your jurisdiction. Disputes should be resolved through friendly negotiation.