Terms of Use / End User License Agreement — Compound

Last updated: August 1, 2026

These terms are an agreement between you and WizKidSP ("we", "us") covering your use of the Compound app. Please read Sections 3, 7, and 8 — they limit what the app promises and what we can be held responsible for. By installing or using Compound, you accept these terms. If you do not accept them, do not use the app.

If you do not supply your own agreement, Apple's standard Licensed Application End User License Agreement applies instead; these terms are meant to sit alongside it, and Section 11 covers the provisions Apple requires.

1. License

We grant you a personal, revocable, non-exclusive, non-transferable license to use Compound on Apple-branded devices you own or control, as permitted by the App Store Terms of Service. You may not copy, redistribute, sell, rent, sublicense, reverse-engineer, decompile, or modify the app or attempt to derive its source code, except where that restriction is prohibited by law.

We own the app, its name, and its design. Nothing here transfers any of that to you. You own the data you enter. We claim no rights in it, and — as described in the Privacy Policy — we never receive it.

2. What Compound is

A private ledger and calculator. You enter your own numbers; the app organizes them, charts them, and projects them forward. It has no connection to any bank, lender, brokerage, credit bureau, or payment network. It cannot move money, make a payment, open an account, or verify anything you type.

3. Compound is not financial advice

This is the most important thing in this document.

Compound is an informational and educational tool. It is not a financial advisor, mortgage broker, lender, tax preparer, accountant, or investment advisor, and using it does not create any advisory or fiduciary relationship between us and you. Nothing it displays is a recommendation to take, or refrain from, any financial action.

In particular, the app's payoff dates, amortization schedules, refinance break-even figures, recasting comparisons, extra-payment outcomes, net-worth trajectories, cash-flow figures, resilience scores, milestone dates, Monte Carlo distributions, and saved scenarios are projections computed from assumptions and from numbers you supply. They are not guarantees, appraisals, quotes, pre-approvals, or predictions of actual results. They ignore or simplify factors that affect real outcomes, including but not limited to taxes, fees, closing costs, insurance and escrow changes, prepayment terms, rate changes, PMI rules, market returns, inflation, and changes in your circumstances. Small errors in what you enter can produce large errors in what is projected.

Verify anything that matters with your lender, servicer, tax professional, or a licensed financial advisor before acting on it. Decisions you make are yours alone, and their consequences are yours alone.

4. Your responsibilities

• Accuracy. The app can only be as correct as what you type. Reviewing your own figures is your job, not the app's.
• Backups. Your data lives on your devices and in your iCloud account. Export a backup (Settings ▸ BACKUP) before any significant change. We cannot recover data for you — we have no copy of it. An exported backup is unencrypted plain text; protecting it is up to you.
• Sharing. Anyone you invite to your household can see and change all of its data. Choosing whom to invite, and revoking access, is your decision and your responsibility.
• Your Apple Account and device. Keep a device passcode set and your Apple Account secured with two-factor authentication.
• Lawful use. Use the app only for your own lawful purposes.

5. iCloud and other Apple services

Compound's sync and sharing run entirely on Apple's iCloud and CloudKit under your agreement with Apple. We do not control those services and make no promise about their availability, performance, retention, or security. Sync failures, delays, conflicts, service outages, changes Apple makes to iCloud, storage limits, or loss of data held in your iCloud account are outside our control, and we are not responsible for them. If you sign out of iCloud, run out of iCloud storage, or disable iCloud Drive for the app, sync will stop working.

6. Availability and changes

We may update, change, or discontinue Compound, or any of its features, at any time and without notice. We are not obligated to provide support, maintenance, updates, or continued availability. If the app is discontinued, your existing data remains yours, on your devices and in your iCloud, and the backup export exists so you can take it with you.

7. Disclaimer of warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DEFECTS WILL BE CORRECTED; THAT ANY CALCULATION, PROJECTION, OR SCORE IT PRODUCES IS ACCURATE, COMPLETE, OR SUITABLE FOR ANY DECISION; OR THAT DATA WILL NOT BE LOST OR CORRUPTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, CREATES ANY WARRANTY.

Some jurisdictions do not allow the exclusion of implied warranties or limitations on a consumer's statutory rights, so some of the above may not apply to you. Where such rights exist, nothing in these terms limits them.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, DATA, GOODWILL, OR OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF — OR INABILITY TO USE — THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THIS INCLUDES, WITHOUT LIMITATION, ANY CLAIM ARISING FROM: A FINANCIAL DECISION MADE IN RELIANCE ON THE APP; AN INACCURATE CALCULATION OR PROJECTION; DATA THAT IS LOST, CORRUPTED, OR FAILS TO SYNC; UNAUTHORIZED ACCESS TO OR DISCLOSURE OF DATA HELD BY A THIRD PARTY SUCH AS APPLE OR iCLOUD; ACCESS BY A PERSON YOU INVITED TO YOUR HOUSEHOLD; OR THE LOSS, THEFT, OR EXPOSURE OF A BACKUP FILE YOU EXPORTED.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE APP WILL NOT EXCEED THE GREATER OF (a) THE AMOUNT YOU PAID FOR THE APP IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE, OR (b) TWENTY-FIVE US DOLLARS ($25).

These limitations apply regardless of the legal theory — contract, warranty, tort, negligence, strict liability, or otherwise — and survive even if a remedy is found to have failed of its essential purpose. Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you; nothing here excludes liability for fraud, fraudulent misrepresentation, gross negligence, willful misconduct, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded.

9. Indemnity

You agree to indemnify and hold us harmless from any third-party claim, loss, or expense (including reasonable legal fees) arising from your misuse of the app, your breach of these terms, or your violation of law or of another person's rights — including a claim by someone you granted access to your household.

10. Termination

These terms apply until terminated. They end automatically if you stop using and delete the app, or if you breach them. Sections 3, 7, 8, 9, and 12 survive termination.

11. Apple-specific terms

You acknowledge and agree that:

1. These terms are between you and us only, not with Apple. Apple is not responsible for Compound or its content.
2. Apple has no obligation to furnish any maintenance or support services for Compound.
3. If Compound fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to Compound.
4. We, not Apple, are responsible for addressing any claim by you or a third party relating to Compound, including product liability claims, any claim that it fails to conform to a legal or regulatory requirement, and claims arising under consumer protection or privacy law.
5. We, not Apple, are solely responsible for investigating and defending any claim that Compound infringes a third party's intellectual property rights.
6. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties.
7. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.
8. You must comply with applicable third-party terms of service when using Compound, including the App Store Terms of Service and your iCloud agreement with Apple.

12. General

Governing law. These terms are governed by the laws of the State of Alabama, without regard to conflict-of-laws rules, and you and we agree to the exclusive jurisdiction of the state and federal courts located there — except where your local consumer law entitles you to bring a claim elsewhere, in which case that right is unaffected.

Entire agreement. These terms and the Privacy Policy are the whole agreement between us about Compound and supersede any earlier understanding.

Severability. If any provision is unenforceable, it is limited or removed to the minimum extent necessary and the rest stays in force.

No waiver. Not enforcing a provision is not a waiver of it.

Changes. We may revise these terms; the current version will always be posted at this page, with the date above updated. Continuing to use the app after a revision means you accept it.

13. Contact

WizKidSP aiexploration93@gmail.com