Legal Notice

Identificación del titular

In compliance with article 10 of Spanish Law 34/2002 on Information Society Services and Electronic Commerce (LSSI-CE), the following contact details of the site owner are provided:

• Titular: José Antonio Campano Laborda
• Ubicación: Dos Hermanas, Sevilla, España
• Sitio web: https://compoundsimulator.com
• Correo de contacto: [email protected]

1. Purpose of the website

CompoundSimulator.com is an educational and informational website whose purpose is to provide users with a mathematical simulation tool to estimate the potential growth of investments through the concept of compound interest.

Available features include:

• Compound interest calculator with periodic contributions.
• Simulation of different return, inflation, tax, and commission scenarios.
• Illustrative charts and tables of investment evolution over time.
• Educational content on basic financial concepts.

The site does not provide investment services or financial advisory services within the meaning of MiFID II (Directive 2014/65/EU) or any equivalent regulations. It is not supervised by the CNMV or any other financial regulatory authority.

2. Terms of use

Access to and use of this site implies acceptance of these terms. The user agrees to:

• Make lawful and proper use of the site and its tools.
• Not reproduce, copy, distribute or modify site content without authorisation.
• Not introduce malicious code or perform actions that could damage site infrastructure.
• Use calculator results solely as an indicative reference, not as the sole basis for investment decisions.

3. Indicative nature of the calculator. Disclaimer of financial liability

Calculator results are obtained by applying mathematical formulas to user-entered parameters. They are projected estimates under simplified assumptions and have the following fundamental limitations:

• They do not account for real market volatility. Financial markets fluctuate unpredictably and real returns differ from any historical average.
• They do not guarantee future returns. Historical returns of any asset are no guarantee of future returns.
• Tax treatment applied is an estimate. Actual taxes depend on the taxpayer's personal situation, the type of financial product and applicable regulations.
• They do not account for all possible costs. There may be trading commissions, withholding taxes, dividend taxation and other costs not reflected in the simulation.
• Future inflation is uncertain. The inflation value entered is a user estimate; actual inflation may differ significantly.
• Calculations assume constant contributions. In practice, personal and economic circumstances may cause contributions to vary over time.

The site owner assumes no liability for investment or divestment decisions of any kind that the user may make based, in whole or in part, on the results of this tool. The user assumes sole responsibility for their use of the information provided.

We recommend consulting an independent financial advisor duly registered with the CNMV before making any investment decision.

4. Accuracy and updating of information

We endeavour to keep site information up to date and accurate. However, we cannot guarantee the accuracy, completeness or currency of all content at all times, particularly regarding tax data or regulatory references, which may change. Users are responsible for verifying the currency of any information before using it.

5. Intellectual property

The contents of this website — including texts, graphics, source code (HTML, CSS, JavaScript), design and content selection — are protected by Spanish and international intellectual property legislation.

Total or partial reproduction, distribution, public communication or transformation of content is prohibited without prior written authorisation, except in cases expressly permitted by law.

Partial reproduction of informational texts for strictly educational or non-commercial purposes is permitted, provided the source (CompoundSimulator.com) is cited and a link to the original site is included.

6. Links to third-party sites

This site may contain links to third-party websites, provided solely as informational references. No responsibility is assumed for the content, accuracy, legality or availability of such sites. The inclusion of a link does not imply endorsement of or association with the linked site.

7. Service availability

Continuous and uninterrupted availability of the site is not guaranteed. It may be temporarily inaccessible due to maintenance, technical updates or force majeure. No liability is assumed for any harm that may arise from unavailability of the service.

8. Limitation of liability

To the maximum extent permitted by law, all liability is excluded for:

• Damages of any nature arising from use of or inability to use the site.
• Investment decisions made based on calculator results.
• Errors or omissions in site content.
• Damages arising from accessing third-party content linked from this site.

9. Modification of the legal notice

The right is reserved to modify this Legal Notice at any time, without prior notice, to adapt it to legislative changes or changes in site structure. The version in force will always be the one appearing on this page with its corresponding update date.

10. Applicable law and jurisdiction

This Legal Notice is governed by Spanish law, in particular:

• Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSI-CE).
• Regulation (EU) 2016/679 of the European Parliament and of the Council (GDPR).
• Organic Law 3/2018 of 5 December on the Protection of Personal Data and guarantee of digital rights (LOPDGDD).
• Royal Legislative Decree 1/1996 of 12 April approving the Consolidated Text of the Intellectual Property Law.

For the resolution of any dispute arising from the use of this site, the parties submit to the competent Courts and Tribunals in accordance with applicable Spanish legislation.