Legal Information

Last Updated: July 16, 2025

Table of Contents

  1. Privacy Policy
  2. Terms of Service
  3. Affiliate & Advertising Disclosure
  4. Financial Disclaimers
  5. Cookie Policy
  6. Contact Information

1. Privacy Policy

Information We Collect

YouInvested is committed to protecting your privacy. We do not collect, store, or retain any personal financial information entered into our calculators. All calculator inputs are processed locally in your browser and are not transmitted to our servers.

We may automatically collect non-personal information, including:

  • Browser type and version
  • Operating system
  • Pages visited on our website
  • Time and date of visits
  • Time spent on each page
  • Referring website addresses
  • IP addresses (anonymized)

How We Use Information

Non-personal information is used to:

  • Improve website functionality and user experience
  • Analyze website traffic and usage patterns
  • Generate statistical reports
  • Optimize content and calculators

Third-Party Services

We use the following third-party services to enhance your experience and protect our website:

  • Formspree: Our contact form is powered by Formspree, a trusted third-party service that processes form submissions and forwards them to our email. When you submit the contact form, your information is processed by Formspree in accordance with their Privacy Policy and Terms of Service.
  • Cloudflare Turnstile: We use Cloudflare Turnstile to protect our website from spam and abuse. This service may collect certain information about your device and interaction with our site. For more information, please review Cloudflare's Privacy Policy and Terms of Service.
  • Google Analytics: Helps us understand website traffic and user behavior
  • Advertising Networks: May collect data for targeted advertising purposes
  • Affiliate Partners: May track referrals through affiliate links

Data Retention

We retain non-personal information for up to 26 months for analytics purposes. Personal information (if any) is retained only as long as necessary to fulfill the purposes outlined in this policy.

Your Rights

  • Request access to any personal data we may have
  • Request correction of inaccurate data
  • Request deletion of your data
  • Opt-out of data collection where technically feasible
  • Object to processing of your data
  • Data portability (where applicable)

2. Terms of Service

Acceptance of Terms

By accessing and using YouInvested ("the Website"), you accept and agree to be bound by the terms and conditions of this agreement. If you do not agree to abide by these terms, please do not use this website.

Use of Calculators and Tools

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

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

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, calculators, and software, is the property of YouInvested and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

User Conduct

  • Do not use the website for any unlawful purpose
  • Do not attempt to gain unauthorized access to any part of the website
  • Do not upload or transmit harmful code or malicious software
  • Do not interfere with other users' experience
  • Do not collect personal information from other users

Limitation of Liability

YouInvested and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your use of this website or its calculators. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

Indemnification

You agree to indemnify and hold harmless YouInvested from any claims, damages, or expenses arising from your use of the website or violation of these terms.

Governing Law

These terms shall be governed by and construed in accordance with the laws of [Your State/Country]. Any disputes shall be resolved in the courts of [Your Jurisdiction].

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of the website constitutes acceptance of any modifications.

3. Affiliate & Advertising Disclosure

Important Disclosure

YouInvested participates in affiliate marketing programs and displays third-party advertisements. We want to be completely transparent about how we generate revenue.

Affiliate Relationships

We may earn commissions when you click on or purchase products/services through affiliate links on our website. These affiliate relationships include, but are not limited to:

  • Financial service providers
  • Investment platforms
  • Educational resources
  • Software tools
  • Books and publications

Advertising

We display advertisements from third-party networks. These ads may be targeted based on your browsing behavior and interests. We do not control the content of these advertisements.

Our Commitment

  • Our content and recommendations are based on research and analysis
  • We only promote products/services we believe may be valuable to our users
  • Affiliate relationships do not influence our educational content
  • We clearly identify sponsored content when applicable

FTC Compliance

In accordance with FTC guidelines, we disclose that we may receive compensation for affiliate links and advertising. This disclosure is made in the interest of full transparency.

4. Financial Disclaimers

Not Financial Advice

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

Calculator Limitations

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

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, reliability, or suitability of any information on this website. Financial markets and regulations change frequently, and information may become outdated.

Investment Risks

All investments carry risk, including:

  • Potential loss of principal
  • Market volatility
  • Inflation risk
  • Interest rate risk
  • Credit risk
  • Past performance is not indicative of future results.

Before making any investment decisions, consult with a qualified financial advisor who can assess your individual circumstances.

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.

External Links

Our website may contain links to third-party websites, products, or services. We are not responsible for the content, accuracy, or practices of these external sites. Links do not constitute endorsement unless explicitly stated.

6. Contact Information

Get in Touch

For questions about this legal policy, privacy concerns, or to exercise your data rights, please contact us:

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