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Terms of Service

Legal terms and conditions governing your use of WealthSim

1. Acceptance of Terms

By accessing and using WealthSim ("the Service", "we", "us", or "our"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legally binding agreement between you and WealthSim. We reserve the right to modify these Terms at any time, and your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

2. Description of Service

WealthSim provides educational financial calculators through its website and iOS app. The Service allows users to:

  • Calculate projected investment growth based on user-provided inputs
  • Visualize compound interest through interactive charts
  • Compare multiple investment scenarios
  • Compare static illustrative assumptions across planning horizons
  • Export calculations as PDF reports
  • Save and synchronize scenarios in the iOS app using Apple iCloud

The website and the core iOS calculator are free, and the iOS app shows no ads. Optional WealthSim Pro features in the iOS app are sold by Apple through the App Store as a one-time purchase or as a yearly or monthly auto-renewable subscription. Prices are shown in the app before you buy. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period; you can manage or cancel them in your Apple Account settings, and Apple handles payment, renewals and refunds. Purchases can be restored in the app. In-app purchases are also subject to Apple's Licensed Application End User License Agreement.

Important: WealthSim is an educational tool, NOT financial advice. The Service is not a substitute for professional financial, investment, tax, or legal advice.

3. User Responsibilities

When using WealthSim, you agree to:

  • Accurate Data Entry - Provide accurate inputs to receive meaningful calculations. Garbage in, garbage out.
  • Personal Responsibility - Take full responsibility for any investment decisions you make. We are not liable for your financial outcomes.
  • Lawful Use - Use the Service only for lawful purposes and in accordance with these Terms.
  • No Abuse - Not attempt to abuse, exploit, or interfere with the Service's functionality.
  • Professional Advice - Consult with qualified financial professionals before making significant investment decisions.

4. Intellectual Property

Our Content

The Service, including its design, code, text, graphics, logos, and functionality, is owned by WealthSim and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

Your Data

You retain all rights to your calculation inputs, saved scenarios, and exported reports. Website data is stored in your browser; iOS scenarios are stored on-device and may sync through your private iCloud database. We make no claim to ownership of your inputs or calculations.

Illustrative Assumptions

Market-category values shown by the selector are WealthSim editorial assumptions for illustration only. They are not historical returns, forecasts, expected returns, recommendations, or promises.

5. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We disclaim all warranties, including but not limited to:

  • Accuracy, reliability, or completeness of calculations
  • Fitness for a particular purpose
  • Non-infringement of third-party rights
  • Uninterrupted or error-free operation
  • Security or freedom from viruses

For detailed financial disclaimers, please review our Disclaimer page.

6. Limitation of Liability

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

  • Lost profits or investment losses
  • Business interruption or loss of data
  • Decisions made based on calculations from the Service
  • Errors or inaccuracies in calculations or data
  • Third-party actions or content

Our total liability to you for any claims arising from your use of the Service shall not exceed $100 USD or the amount you paid for the Service, whichever is greater. The website and core iOS calculator are free; optional WealthSim Pro purchases and subscriptions in the iOS app are processed by Apple.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.

7. Indemnification

You agree to indemnify, defend, and hold harmless WealthSim, its creators, contributors, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

  • Your use or misuse of the Service
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Investment decisions made based on the Service

8. Governing Law and Dispute Resolution

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

Any disputes arising from these Terms or your use of the Service shall be resolved in the competent courts of Spain.

9. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date below. Material changes will be communicated through the Service or via other reasonable means. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service.

10. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions.

11. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and WealthSim regarding the Service, superseding any prior agreements or understandings.

12. Contact Information

WealthSim is operated by Oscar Gallego Ruiz, based in Spain.

If you have questions about these Terms, please contact us:

We will respond to legitimate inquiries within a reasonable timeframe.

Last updated: November 14, 2026