FinAlloc
Dollar Cost Averaging Calculator
Terms of Service
Effective date: November 2, 2025

Acceptance of Terms

By accessing or using FinAlloc (the "Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

Nature of Service

FinAlloc provides investment calculation tools, including but not limited to Dollar Cost Averaging (DCA) calculators and portfolio analysis features. These tools are designed for educational and informational purposes only and do not constitute financial advice, investment recommendations, or professional consultation.

Not Financial Advice

IMPORTANT: FinAlloc is NOT a licensed financial advisor, broker, or investment firm. The Service does not provide personalized financial advice or recommendations. You should:

  • Consult with qualified financial advisors before making investment decisions
  • Conduct your own research and due diligence
  • Consider your individual financial situation, risk tolerance, and investment objectives
  • Understand that all investment decisions are made at your own discretion and risk

Investment Risks Warning

⚠️ INVESTMENT RISK DISCLOSURE:

  • All investments carry risk. The value of investments can go down as well as up, and you may lose some or all of your invested capital.
  • Past performance is not indicative of future results. Historical returns or simulations do not guarantee similar future outcomes.
  • Market volatility: Financial markets can experience significant fluctuations due to economic, political, or other factors beyond anyone's control.
  • No guaranteed returns: There is no guarantee that any investment strategy, including dollar cost averaging, will achieve profit or protect against loss.
  • Individual results vary: Your actual investment performance will depend on numerous factors including timing, market conditions, fees, taxes, and your specific circumstances.

Leverage Warning

🚨 LEVERAGE RISK WARNING:

  • Leverage magnifies both gains AND losses. Using borrowed money to invest can result in losses exceeding your original investment.
  • Debt obligations: Leveraged investments still require debt repayment even if the investment loses value.
  • Interest costs: Borrowing costs can significantly reduce or eliminate investment returns, especially in low-return or negative-return environments.
  • Margin calls and forced liquidation: In real leveraged investing scenarios, you may be required to deposit additional funds or face forced sale of assets at unfavorable prices.
  • Higher risk profile: Leverage is generally suitable only for experienced investors with high risk tolerance and financial capacity to absorb potential losses.
  • Regulatory and tax implications: Leveraged investing may have complex tax consequences and regulatory requirements that vary by jurisdiction.

The leverage calculation feature is provided for educational simulation purposes only. Consult a qualified financial professional before considering any leveraged investment strategy.

Calculation Results Disclaimer

All calculations, projections, and results provided by FinAlloc are:

  • Theoretical simulations: Based on mathematical models and assumptions that may not reflect real-world conditions
  • Simplified representations: Do not account for all factors that affect actual investment performance, including but not limited to:
    • Transaction fees, brokerage commissions, and expense ratios
    • Taxes on dividends, capital gains, and interest income
    • Inflation and purchasing power erosion
    • Market spreads, slippage, and liquidity constraints
    • Changes in interest rates and economic conditions
    • Currency fluctuations (for international investments)
  • User input dependent: Results are only as accurate as the information and assumptions you provide
  • Not predictions: Projections are illustrative scenarios, not forecasts or predictions of actual future performance
  • Subject to change: Our calculation methodologies may be updated or refined over time

Use of the Service

You agree to use the Service responsibly and lawfully. You may NOT:

  • Rely solely on FinAlloc calculations for making financial decisions without independent verification
  • Misrepresent calculator results as guaranteed outcomes or professional financial advice
  • Use the Service to provide financial advice to others unless you are properly licensed and qualified
  • Attempt to compromise the security, integrity, or availability of the Service
  • Reverse engineer, decompile, or extract the source code of our calculation algorithms without permission
  • Use automated systems to scrape or extract data from the Service

Data Accuracy and Availability

While we strive to provide accurate and reliable calculations, FinAlloc does not warrant that:

  • The Service will be uninterrupted, timely, secure, or error-free
  • Calculation results will be accurate, complete, or reliable
  • Any defects or errors will be corrected
  • The Service will meet your specific requirements or expectations

Intellectual Property

All content provided by FinAlloc, including text, graphics, logos, code, calculation methodologies, and software, is our intellectual property or that of our licensors and is protected by copyright, trademark, and other laws. You may not reproduce, distribute, or create derivative works without express written permission.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • FinAlloc and its operators are NOT liable for any investment losses, financial damages, or adverse outcomes resulting from your use of the Service
  • We are NOT responsible for decisions you make based on information or calculations provided by the Service
  • We disclaim all liability for indirect, incidental, consequential, special, exemplary, or punitive damages
  • Our total liability for any claims related to the Service shall not exceed the amount you paid to use the Service (if any)
  • These limitations apply even if we have been advised of the possibility of such damages

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, OR THAT THE SERVICE WILL MEET YOUR REQUIREMENTS.

Indemnification

You agree to indemnify and hold harmless FinAlloc, its operators, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service, violation of these Terms, or violation of any rights of another party.

Third-Party Links and Resources

The Service may contain links to third-party websites or resources. FinAlloc is not responsible for the availability, accuracy, content, or policies of external sites. Accessing third-party links is at your own risk.

Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws applicable where FinAlloc operates, without regard to conflict of law principles. Any disputes shall be resolved in the courts of competent jurisdiction in that location.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted to this page. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

Entire Agreement

These Terms constitute the entire agreement between you and FinAlloc regarding the Service and supersede all prior agreements and understandings.

Contact Information

If you have questions, contact us at [email protected].

📌 Remember: FinAlloc is a tool to help you understand investment concepts and explore scenarios. Always consult qualified financial professionals for personalized advice, and never invest money you cannot afford to lose.