Terms of Use

By accessing or using Caspenda ("the Site"), you agree to these Terms of Use. Effective date: August 2026.

1. Educational purpose only

The calculators and articles on this Site are provided for educational and informational purposes only. They are not financial, investment, legal, or tax advice, and they do not constitute a recommendation to buy, sell, or hold any security. Always consult a qualified professional before making financial decisions.

2. No guarantees

All calculations are hypothetical and based on the assumptions you provide. Financial markets are unpredictable, and past performance never guarantees future results. We make no warranty that any output is accurate, complete, or suitable for your situation.

3. Use of the Site

You may use the Site free of charge for personal, non-commercial purposes. You agree not to misuse the Site, attempt to disrupt its operation, or use its content in a way that violates applicable law.

4. Intellectual property

The Site's design, text, code, and brand ("Caspenda") are owned by us and protected by applicable laws. You may reference or link to the Site, but you may not reproduce or resell substantial portions of it without permission.

5. Limitation of liability

To the maximum extent permitted by law, we are not liable for any damages arising from your use of the Site or reliance on its outputs. You use the Site at your own risk.

6. Changes

We may update these Terms from time to time. Continued use of the Site after changes means you accept the updated Terms.

7. Contact

Questions about these Terms? Contact us via the contact link in the site footer.