Legal Information

Last Updated: January 14, 2026

Calculator Data

YouInvested does not collect, store, or transmit any financial information you enter into our calculators. All calculations are performed locally in your browser. We never see your loan amounts, income, investment values, or any other personal financial data.

Website Analytics

To improve our educational resources, we collect basic, non-personal usage data:

• Pages visited and time on site
• Browser type and general location (country/state level)
• Traffic sources (how you found us)

We use Google Analytics and Cloudflare for site analytics and spam protection. This data is aggregated and cannot identify individuals.

What We DON'T Collect

• ❌ Personal financial information from calculators
• ❌ Personally identifiable information (name, email, address) unless you contact us
• ❌ Cross-site tracking data
• ❌ Data sold to third parties

Affiliate Links

Our calculators are free for educational use. Some calculator pages include relevant affiliate recommendations.

If you click these links and make a purchase, we may earn a commission. This does not affect calculator results or educational content—it simply helps keep the tools free and maintained.

Affiliate partners may use cookies to track referrals. You can use our calculators without clicking any affiliate links.

Services We Use

• Google Analytics - Anonymous site traffic analysis
• Cloudflare Turnstile - Spam protection

Data Retention

We retain non-personal analytics data (page views, traffic sources) to understand how our calculators are used. This data is aggregated and cannot identify individuals.

Your Rights

If you've contacted us directly:

• Request access to any data we may have
• Request correction or deletion of your data
• Opt-out of future communications

Acceptance of Terms

By accessing YouInvested, you agree to these terms. If you do not agree, please do not use this website.

Our Mission

YouInvested provides free, interactive financial calculators to help people understand and explore financial decisions. Our tools are used by students, professionals, educators, content creators, and individuals worldwide.

Anyone may link to our calculators without requesting permission.

Use of Calculators

Our financial calculators are provided for informational and educational purposes. You agree to:

• Use calculators for lawful purposes only
• Not interfere with website functionality
• Not use automated systems to access site excessively
• Understand that calculator results are estimates

Financial Disclaimers

Educational Purpose Only

These calculators are NOT:

• ❌ Professional financial advice
• ❌ Investment recommendations
• ❌ Tax or legal guidance
• ❌ Guaranteed predictions

Accuracy & Limitations

We use standard financial formulas and strive for accuracy. However:

• Calculator results are estimates for educational exploration
• Actual outcomes depend on many individual factors
• Historical data does not guarantee future results
• Interest rates, markets, and circumstances vary

No Professional Relationship

Using our calculators does not create a financial advisor-client relationship. For personalized advice, consult qualified professionals.

Third-Party Links

We may link to third-party financial services for convenience. We are not responsible for their content, privacy practices, or services. Always review terms before engaging with any provider.

Intellectual Property & Educational Use

Copyright

All content and calculators are copyright protected.

Free Linking - Permission Granted

You are welcome to:

• ✅ Link to our calculators from any website, blog, or resource
• ✅ Share links with your audience, students, clients, or colleagues
• ✅ Reference our content with proper attribution
• ✅ Use in presentations or demonstrations

No permission required for linking. We built these tools to be widely accessible.

Commercial Use & Embedding

For embedding calculators on your website with custom branding, please contact us. We're developing embeddable calculators for institutions, professionals, content creators, and organizations.

Restrictions

You may NOT:

• ❌ Copy or republish our calculator code without permission
• ❌ Remove attribution or branding
• ❌ Claim our work as your own

Limitation of Liability

YouInvested provides these calculators 'as is' for information and exploration. While we strive for accuracy and reliability, we make no guarantees about uninterrupted availability, complete accuracy, or suitability for specific purposes.

We are not liable for financial decisions made using these calculators or any losses resulting from their use.

Changes to Terms

We may modify these terms at any time. Changes are effective immediately upon posting. Your continued use constitutes acceptance of modifications.

YouInvested includes relevant affiliate recommendations on some calculator pages.

How It Works

If you click these links and make a purchase, we may earn a commission at no additional cost to you. This helps sustain the site while keeping our calculators free for educational use.

Our Commitment

• Affiliate relationships do not influence calculator accuracy or results
• We only recommend services we believe may be genuinely helpful
• Educational content remains unbiased and evidence-based
• Affiliate links are clearly marked where applicable

This disclosure is made in accordance with FTC guidelines.

Not Financial Advice

The information on YouInvested is for educational purposes only and should not be considered personalized financial advice. We are not licensed financial advisors. Our content is not intended to replace professional guidance.

Calculator Limitations

Our calculators:

• Provide estimates and approximations only
• Are based on assumptions that may not reflect your situation
• May not account for all relevant factors
• Should not be the sole basis for financial decisions

Investment Risks

All investments carry risk, including potential loss of principal. Past performance does not indicate future results. Consult with a qualified financial advisor before making investment decisions.

Tax Considerations

Tax laws are complex and subject to change. Our calculators may not account for all tax implications. Consult with a tax professional for advice specific to your situation.

What Are Cookies

Cookies are small text files stored on your device when you visit our website. They help us provide a better user experience and analyze website performance.

Types of Cookies We Use

• Essential Cookies: Necessary for basic website functionality. These cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our website through services like Google Analytics.
• Advertising Cookies: Used by advertising networks to display relevant ads and measure advertising effectiveness.
• Functional Cookies: Remember your preferences and settings to enhance your experience.

Managing Cookies

You can control cookies through your browser settings:

• Block all cookies
• Allow only essential cookies
• Delete existing cookies
• Set up notifications when cookies are being used

Note that disabling cookies may affect website functionality and your user experience.

Third-Party Cookies

Some cookies are set by third-party services we use, such as Google Analytics and advertising networks. These cookies are governed by the respective third parties' privacy policies.

Get in Touch

Contact Us here

For All Users: Questions about using our calculators on your website or in your materials? We're happy to help.

For Embedding Inquiries: Interested in calculators for your institution, website, or other platform? Contact us to learn more.

Last Updated: January 14, 2026