Terms and Conditions

Last updated: September 7, 2025

Please read these Terms and Conditions carefully before using our Service.

These Terms and Conditions govern your access to and use of Cumulative Interest Calculator, located at https://cumulativeinterestcalculator.org/ (the “Website”, “Service”, “we”, “us”, or “our”). By accessing or using the Service, you agree to comply with these Terms and Conditions, our Privacy Policy, and any additional policies we may publish from time to time.

If you do not agree to these Terms and Conditions, do not use the Service.

Interpretation and Definitions

Interpretation

Words with initial capital letters have meanings defined under the following conditions. The following definitions apply whether they appear in singular or plural within these Terms and Conditions.

Definitions

For the purposes of these Terms and Conditions:

  • Affiliate means an entity that controls, is controlled by, or is under common control with a party (where “control” means ownership of 50% or more of the voting securities).
  • Country refers to Pakistan.
  • Company (referred to as either “the Company”, “we”, “us”, or “our”) refers to Cumulative Interest Calculator.
  • Device means any device that can access the Service such as a computer, smartphone, or tablet.
  • Service refers to the Website.
  • Terms and Conditions (also referred to as “Terms”) mean this agreement between you and the Company governing the use of the Service.
  • Third-party Social Media Service means any services or content provided by a third party that may be displayed, included, or made available by the Service.
  • Website refers to Cumulative Interest Calculator, accessible at https://cumulativeinterestcalculator.org/.
  • You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service.

Acknowledgment

These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service. Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms and Conditions. If you disagree with any part of the Terms and Conditions, you may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on your acceptance of and compliance with our Privacy Policy, which describes our policies and procedures on the collection, use, and disclosure of your personal information when you use the Website.

Nature of the Service (Educational Use Only)

The calculators, articles, and examples on the Website are provided for educational and informational purposes only. We do not provide financial, legal, tax, investment, or accounting advice. Results from our calculators (including savings and loan amortization outputs) are estimates and may differ from figures provided by financial institutions due to rounding, timing, fees, and lender-specific practices. You are responsible for verifying results and seeking professional advice where appropriate.

Acceptable Use

You agree not to:

  1. Use the Service in any way that violates applicable law or regulation.
  2. Attempt to gain unauthorized access to any portion of the Service or any systems or networks connected to the Service.
  3. Interfere with or disrupt the integrity or performance of the Service, including by introducing viruses, malware, or other harmful code.
  4. Scrape, harvest, or collect data from the Service using automated means (bots, spiders, crawlers) except as permitted by our robots.txt or with our prior written consent.
  5. Reverse engineer, decompile, or disassemble any part of the Service except where such restriction is prohibited by law.
  6. Use the Service to develop, train, or improve a competing product without our written permission.
  7. Misrepresent your identity or affiliation while using the Service.

We may monitor use of the Service to ensure compliance with these Terms and Conditions.

Intellectual Property

Unless otherwise noted, the Service and its original content, features, and functionality are and will remain the exclusive property of the Company and its licensors and are protected by copyright, trademark, and other laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes, subject to these Terms and Conditions.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to review the terms and conditions and privacy policies of any third-party websites or services that you visit.

Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions. Upon termination, your right to use the Service will cease immediately.

Limitation of Liability

Notwithstanding any damages that you might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms and Conditions and your exclusive remedy shall be limited to the amount actually paid by you through the Service or USD 100 if you haven’t purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data, business interruption, personal injury, or loss of privacy) arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of these Terms and Conditions, even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages; in those jurisdictions, each party’s liability will be limited to the greatest extent permitted by law.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided to you “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory, or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage, or trade practice.

Without limiting the foregoing, the Company provides no warranty or undertaking and makes no representation of any kind that the Service will meet your requirements, achieve any intended results, be compatible or work with any other software, applications, systems, or services, operate without interruption, meet any performance or reliability standards, or be error-free, or that any errors or defects can or will be corrected.

Some jurisdictions do not allow the exclusion of certain warranties or limitations on statutory rights; the above exclusions and limitations may not apply to you. In such case, they shall apply to the greatest extent enforceable under applicable law.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Pakistan, without regard to its conflict of law rules. Your use of the Service may also be subject to other local, state, national, or international laws.

Dispute Resolution

If you have any concern or dispute about the Service, you agree to first try to resolve the dispute informally by contacting the Company using the details in Contact Us below.

For European Union (EU) Users

If you are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident.

United States Legal Compliance

You represent and warrant that (i) you are not located in a country that is subject to a United States Government embargo or designated as a “terrorist-supporting” country, and (ii) you are not listed on any United States Government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms and Conditions is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms and Conditions shall not affect a party’s ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if we made them available on the Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. If a revision is material, we will make reasonable efforts to provide notice prior to any new terms taking effect (for example, by posting a notice on the Website). What constitutes a material change will be determined at our sole discretion.

By continuing to access or use the Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the Website and the Service.

Contact Us

If you have any questions about these Terms and Conditions, you can contact us:

Helpful reference

For general guidance on online legal policies, see the FTC Business Center at https://www.ftc.gov/business

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