NobodyToldYou.io (the "Site") is owned and operated by Small Sun Corp, a Florida corporation ("Small Sun Corp," "we," "us," or "our"). We provide a free, educational compound interest and retirement planning calculator. We are not a licensed financial advisor, broker-dealer, investment firm, registered investment adviser (RIA), or fiduciary of any kind.
All content, tools, and calculators on the Site are provided strictly for educational and informational purposes only. Nothing on the Site constitutes:
Always consult a qualified and licensed professional before making any investment, tax, or financial decision.
The projections generated by our calculator are hypothetical and based on user-supplied inputs and historical average returns. They are subject to the following limitations:
The calculator is a teaching aid, not a forecast or financial plan.
In compliance with U.S. Federal Trade Commission (FTC) guidelines, we disclose the following: This Site contains affiliate links, including to Interactive Brokers LLC ("IBKR"). If you click an affiliate link and open an account or take a qualifying action with the linked third party, we may receive compensation, at no additional cost to you.
This compensation does not influence the educational content or calculator results we provide. We do not share your personal data with affiliate partners; clicking a link simply directs your browser to their website, where their own terms and privacy policies apply.
You are under no obligation to use any affiliate link, and choosing not to do so will not affect your access to or use of the Site.
The Site may contain links to third-party websites and services, including brokerage platforms such as Interactive Brokers. We do not control, endorse, or assume responsibility for the content, accuracy, products, services, or practices of any third-party website. Opening an account with any broker is your own independent decision.
We make no guarantee, express or implied, that using our calculator or relying on any information on the Site will result in financial gain, retirement savings, or any specific investment outcome. All investing involves risk.
The Site and the calculator are provided strictly on an "as is" and "as available" basis, without warranty of any kind, express or implied, including without limitation any warranty of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the calculator is free of errors, bugs, or interruptions, or that any result it produces is accurate.
To the maximum extent permitted by applicable law, in no event shall Small Sun Corp, its officers, directors, employees, affiliates, contractors, or licensors be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages — including without limitation lost profits, lost savings, lost investment returns, lost data, or any other intangible loss — arising out of or related to your use of, or inability to use, the Site or the calculator, even if advised of the possibility of such damages. Your sole and exclusive remedy for dissatisfaction with the Site is to stop using it.
You agree to indemnify, defend, and hold harmless Small Sun Corp and its officers, directors, employees, affiliates, contractors, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any law or the rights of any third party; or (d) any decision you make in reliance on information obtained from the Site.
All content on the Site, including but not limited to text, graphics, logos, design, and calculator code, is the property of Small Sun Corp and is protected by U.S. and international copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
By using the Site, you agree not to:
You must be at least 18 years old to use the Site. By using the Site, you represent that you meet this requirement and have the legal capacity to enter into these Terms.
We may suspend or terminate your access to the Site at any time, for any reason, without notice. The provisions of these Terms that by their nature should survive termination (including, without limitation, Sections 7, 8, 9, 10, 14, 15, and 16) shall survive.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict-of-law principles. You agree that the exclusive venue for any dispute not subject to arbitration shall be the state or federal courts located in Miami-Dade County, Florida, and you consent to the personal jurisdiction of those courts.
Please read this section carefully — it affects your legal rights.
Any dispute, claim, or controversy arising out of or relating to the Site or these Terms shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, in Miami-Dade County, Florida, rather than in court, except that you may assert claims in small claims court if your claims qualify.
You agree that any dispute will be resolved on an individual basis only and that you waive any right to participate in a class action, class arbitration, or representative action against Small Sun Corp. If for any reason a claim proceeds in court rather than in arbitration, both parties waive any right to a jury trial.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes constitutes acceptance of the new Terms.
If you have questions about these Terms, please contact us at:
legal@nobodytoldyou.io
Small Sun Corp, Florida, United States