Terms of Service
Last updated: March 25, 2026
These Terms of Service (“Terms”) govern your use of the Compoundly mobile application (“the App”) developed by Uplyfire (“we”, “us”, or “our”). By downloading, installing, or using the App, you agree to be bound by these Terms.
1. Acceptance of Terms
By accessing or using the App, you confirm that you:
- Are at least 13 years of age (or the minimum age required in your jurisdiction)
- Have read and understood these Terms
- Agree to be bound by these Terms and our Privacy Policy
If you do not agree to these Terms, do not use the App.
2. Description of Service
Compoundly is a financial calculator application that allows you to:
- Calculate compound interest with various parameters (initial amount, interest rate, duration, contributions, tax, inflation)
- Calculate required monthly contributions to reach a financial goal
- Save, compare, and export calculation results
- View growth charts and detailed results tables
The App is available as a free version with advertisements and as a paid Pro version without advertisements and with additional features.
3. Financial Disclaimer
THE APP IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.
- The App is a mathematical calculator. It does not provide financial advice, investment recommendations, tax advice, or any professional financial guidance.
- Calculations are based on mathematical formulas using the parameters you enter. Actual investment returns may vary significantly due to market conditions, fees, taxes, inflation, and other factors not fully captured by the calculator.
- The App does not account for investment risk, market volatility, fund management fees, early withdrawal penalties, or changes in tax law unless you manually enter these as parameters.
- You should not make financial decisions based solely on the App’s calculations. Always consult a qualified financial advisor for investment decisions.
- We are not a financial institution, investment advisor, broker, or tax advisor. We are not licensed or registered with any financial regulatory authority.
- Past performance simulated by the calculator does not guarantee future results.
By using the App, you acknowledge that any financial decisions you make are your own responsibility.
4. User Accounts
The App does not require account creation or registration. All data is stored locally on your device.
5. In-App Purchases
5.1 Pro Plan
The App offers a one-time in-app purchase (“Pro Plan”) that provides:
- Removal of all advertisements
- Unlimited calculation saves
- Full comparison features
- PDF export functionality
5.2 Payment
All payments are processed through Google Play. By making a purchase, you also agree to Google Play’s Terms of Service. The price displayed at the time of purchase is the final price, inclusive of applicable taxes where required by law.
5.3 Refunds
Refund requests are handled by Google Play in accordance with their refund policy. We do not process refunds directly. To request a refund:
- Within 48 hours of purchase: Request through Google Play (typically automatic)
- After 48 hours: Contact Google Play support or email us at uplyfire@gmail.com
5.4 Purchase Restoration
Your Pro Plan purchase is linked to your Google account. If you reinstall the App or switch devices, your purchase will be automatically restored when you sign in with the same Google account.
6. Advertisements
6.1 Ad Display
The free version of the App displays advertisements provided by Google AdMob, including banner ads and interstitial (full-screen) ads.
6.2 Ad Consent (EEA/UK)
If you are located in the European Economic Area or United Kingdom, we will request your consent before displaying personalized advertisements, in compliance with GDPR. You may change your consent preferences at any time in Settings > Manage Ad Consent.
6.3 Ad Content
We do not control the specific content of advertisements displayed by Google AdMob. If you encounter inappropriate ad content, please report it to Google through the ad’s information icon or contact us at uplyfire@gmail.com.
7. Intellectual Property
7.1 Our Rights
The App, including its design, code, graphics, icons, and content, is owned by Uplyfire and protected by applicable intellectual property laws. You may not:
- Copy, modify, or distribute the App’s source code
- Reverse engineer, decompile, or disassemble the App
- Remove or alter any proprietary notices or labels
- Use the App’s name, logo, or branding without our written permission
7.2 Your Rights
You retain ownership of any calculation data you create within the App. You may export and use your calculations for any lawful purpose.
8. Acceptable Use
You agree not to:
- Use the App for any unlawful purpose
- Attempt to interfere with the App’s operation or circumvent security features
- Attempt to bypass in-app purchase requirements or manipulate purchase status
- Use automated tools to interact with the App
- Redistribute or resell access to the App or its Pro features
9. Data and Privacy
Your use of the App is also governed by our Privacy Policy, available within the App under Settings > Privacy Policy.
Key points:
- All calculation data is stored locally on your device
- We do not operate servers that collect your data
- Advertising and billing services are provided by Google
- You can delete all your data by clearing the App’s data or uninstalling it
10. Disclaimer of Warranties
THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
- MERCHANTABILITY: We do not warrant that the App is fit for any particular commercial purpose.
- ACCURACY: While we strive for mathematical accuracy, we do not warrant that all calculations are error-free. Rounding, floating-point arithmetic, and edge cases may produce approximations.
- AVAILABILITY: We do not warrant uninterrupted access to the App or its features.
- COMPATIBILITY: We do not warrant compatibility with all devices, operating systems, or configurations.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
- We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App.
- We shall not be liable for any financial losses, investment losses, or damages resulting from decisions made based on the App’s calculations.
- Our total liability for any claim related to the App shall not exceed the amount you paid for the Pro Plan, or €10, whichever is greater.
- These limitations apply regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise).
Nothing in these Terms excludes or limits liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any liability that cannot be excluded by applicable law.
12. Indemnification
You agree to indemnify and hold harmless Uplyfire, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:
- Your use of the App
- Your violation of these Terms
- Financial decisions made based on the App’s calculations
- Your violation of any third-party rights
13. Termination
- By You: You may stop using the App at any time by uninstalling it.
- By Us: We reserve the right to discontinue the App or restrict access if you violate these Terms.
- Effect: Upon termination, your license to use the App ends. Data stored on your device remains under your control. Pro Plan purchases remain valid per Google Play’s policies.
14. Changes to Terms
We may update these Terms from time to time. When we make changes:
- The “Last updated” date will be revised
- Continued use of the App after changes constitutes acceptance
- For material changes, we will make reasonable efforts to notify you (e.g., in-app notice or update notes)
15. Governing Law and Disputes
These Terms are governed by the laws of Poland, without regard to conflict of law principles.
For EEA consumers: Nothing in these Terms affects your statutory rights under mandatory consumer protection laws of your country of residence. You may bring proceedings in the courts of your country of residence.
Any disputes shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to the competent courts of Poland, except where mandatory consumer protection law provides otherwise.
16. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Uplyfire regarding the App. They supersede any prior agreements or understandings.
If you have questions about these Terms:
Email: uplyfire@gmail.com
Developer: Uplyfire