Terms of Use

1. Acceptance of Terms

By accessing or using CD Calculator (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the revised Terms.

2. Educational Use Only

All content on this Site — including calculations, articles, rate comparisons, and guides — is provided for educational and informational purposes only.

Nothing on this Site constitutes financial, investment, legal, or tax advice. You should consult a qualified financial advisor before making any investment decisions.

Calculations are estimates based on the inputs you provide and standard financial formulas. Actual results may vary due to bank-specific terms, compounding methods, fees, and market conditions.

3. No Warranty

The Site and all tools are provided "as is" and "as available" without warranties of any kind, either express or implied.

We do not guarantee that calculations are error-free, that rate data is current, or that the Site will be uninterrupted or secure.

You bear full responsibility for any decisions made based on information from this Site.

4. Limitation of Liability

To the fullest extent permitted by law, CD Calculator and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site.

This includes, without limitation, financial losses, lost profits, or data corruption resulting from reliance on any calculation or information provided here.

5. Affiliate Disclosure

Some links on this Site are affiliate links. If you open a financial account through one of these links, we may receive a commission at no additional cost to you.

Affiliate relationships do not influence our editorial content or rate rankings. Banks are listed by APY, not by commission rate.

6. Third-Party Links and Data

The Site links to third-party websites (e.g., banks) and displays third-party data (e.g., interest rates). We are not responsible for the accuracy or content of third-party sites.

Interest rates shown are indicative and may have changed since the last update. Always verify current rates directly with the institution before opening an account.

7. Intellectual Property

All content on this Site — including text, graphics, logos, and software — is the property of CD Calculator or its licensors and is protected by copyright law.

You may not reproduce, distribute, or create derivative works without prior written permission.

8. Privacy

Our data practices are described in our Privacy Policy. In short: we do not collect or store the financial data you enter into our calculators — all calculations run in your browser.

9. Governing Law

These Terms shall be governed by the laws of the United States, without regard to conflict of law principles. Any disputes shall be resolved in the appropriate courts.

10. Contact

If you have questions about these Terms, please contact us through the information provided on our About page.