1. Agreement to Terms

By accessing and utilizing CD Calculator (the "Site"), you agree to be bound by these Terms of Service and all applicable federal and state laws. If you do not agree with any of these terms, you are prohibited from using the Site.

2. Educational and Informational Use Only

The tools, calculators, projections, and informational guides published on this Site are provided strictly for educational and general planning purposes. CD Calculator is not a bank, certified financial planner, or registered investment advisor.

Calculated figures do not constitute a formal offer, quote, or guarantee of interest from any financial institution. Actual bank interest rates, compounding conventions (such as 365/360 day counts), minimum balance rules, and early withdrawal penalties vary by issuing institution.

3. Intellectual Property Rights

The visual designs, user interfaces, branding, calculations, code, graphics, and textual content are the intellectual property of CD Calculator and are protected under international copyright, trademark, and proprietary rights laws.

4. Limitation of Liability

In no event shall CD Calculator or its contributors be held liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of, or inability to use, our calculation tools or informational resources.

5. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the Site following posted changes signifies your acceptance of the revised terms.