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Terms of Service

Last updated: November 2025

1. Acceptance of Terms

By accessing or using IndexLongRun ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

IndexLongRun provides free online financial calculators, including Monte Carlo retirement simulation tools. The Service is provided for educational and informational purposes only.

3. No Financial Advice

The Service does not provide financial, investment, tax, or legal advice. The calculators and content are for informational purposes only. You should consult qualified professionals before making financial decisions. See our Disclaimer for more details.

4. Use License

We grant you a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes. You may:

  • Use the calculators for your own financial planning
  • Share links to the Service with others
  • Use the information to educate yourself about financial concepts

You may not:

  • Copy, modify, or distribute the Service's code without permission (except as allowed by our open-source license)
  • Use the Service for commercial purposes without permission
  • Attempt to reverse engineer, hack, or disrupt the Service
  • Scrape or automatically extract data from the Service
  • Use the Service in any way that violates applicable laws

5. Open Source

Portions of the code powering this Service are available under open-source licenses on our GitHub repository. Use of that code is governed by its respective license (MIT License).

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. We do not warrant that:

  • The Service will be uninterrupted or error-free
  • The calculations are accurate or complete
  • The results will meet your expectations or requirements
  • Any errors will be corrected

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INDEXLONGRUN AND ITS CREATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Financial losses resulting from use of or reliance on the Service
  • Loss of profits, data, or business opportunities
  • Damages arising from errors in calculations

8. Indemnification

You agree to indemnify and hold harmless IndexLongRun and its creators from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

9. Changes to Terms

We may modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the new Terms. We will update the "Last updated" date when changes are made.

10. Termination

We reserve the right to terminate or restrict access to the Service at any time, for any reason, without notice.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

12. Contact

For questions about these Terms, please contact us through our GitHub repository.