Terms of Use

Welcome to the S&P 500 Investment Calculator

Thank you for using our S&P 500 Investment Calculator ("the Calculator"). This Terms of Use agreement outlines the conditions for using this investment projection tool provided by John Roche. By using the Calculator, you agree to these terms.

1. Description of Service

The S&P 500 Investment Calculator is a financial estimation tool designed for educational purposes. It uses historical data and mathematical projections to estimate potential returns on investments based on the historical performance of the S&P 500 index. The Calculator allows users to input variables such as initial investment amount, monthly contributions, investment period, and expected returns to generate projections.

2. No Investment Advice

2.1 Educational Purpose Only

The Calculator is provided for educational and informational purposes only. The information and results provided by the Calculator do not constitute financial, investment, tax, or legal advice.

2.2 Not a Recommendation

The Calculator does not recommend specific investment strategies or securities. Any projections or other information generated by the Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

2.3 Historical Data Limitations

Past performance of the S&P 500 index or any other investment vehicle is not indicative of future results. Market conditions change over time, and future performance may differ significantly from historical patterns.

3. Accuracy of Information

3.1 No Guarantee of Accuracy

While we strive to provide accurate calculations and information, we make no guarantees about the accuracy, completeness, or reliability of any information provided by the Calculator. The Calculator uses simplified models that may not account for all factors that could affect investment returns.

3.2 User Responsibility

It is your responsibility to verify any information or calculations provided by the Calculator before making investment decisions. We strongly recommend consulting with a qualified financial advisor before making any investment decisions.

4. Acceptable Use

By using the Calculator, you agree to use it only for its intended purpose of estimating potential investment returns. Please use the Calculator responsibly and avoid:

• Attempting to interfere with the proper functioning of the Calculator
• Using automated methods to access or collect data from the Calculator
• Introducing harmful software or code to the Calculator

5. Privacy

We respect your privacy. Any data you input into the Calculator is used solely for the purpose of generating your investment projections and is not stored on our servers or accessible to us.

Our website uses Google Analytics and Google AdSense services, which may collect anonymous usage data. For more information about how these services work and your options regarding them, please see our Privacy Policy.

6. Third-Party Links

The Calculator may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the content or availability of those sites.

7. Disclaimer of Warranties

The Calculator is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the Calculator will be error-free or uninterrupted.

8. Limitation of Liability

In no event shall we be liable for any direct, indirect, incidental, or consequential damages arising out of the use or inability to use the Calculator, even if we have been advised of the possibility of such damages.

9. Changes to Terms

We may update these Terms from time to time. We will notify users of any material changes by posting the new Terms on this page.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

• Email: jp.roche.web@gmail.com