Terms of Service
Last updated: January 25, 2026
Acceptance of Terms
By accessing and using WhatIfMoney, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.
⚠️ Important Disclaimer
WhatIfMoney is an educational tool only. The historical return calculations provided on this website:
- Are NOT financial advice - Do not use this tool as the sole basis for investment decisions
- Show past performance only - Past performance does not guarantee future results
- May contain inaccuracies - While we strive for accuracy, data may be incomplete or incorrect
- Exclude important factors - Calculations do not include taxes, fees, dividends, or transaction costs
Always consult a qualified financial advisor before making investment decisions.
Use of Service
Permitted Use
You may use WhatIfMoney for:
- Personal educational purposes
- Research and analysis
- Understanding historical stock performance
Prohibited Use
You may NOT:
- Use automated tools to scrape or download data in bulk
- Attempt to reverse engineer or copy our service
- Use the service for illegal purposes
- Misrepresent calculations as financial advice
- Overload our servers with excessive requests
Data Accuracy
We source historical stock data from publicly available sources and strive for accuracy. However, we make no warranties about the completeness, reliability, or accuracy of this information. Users should verify data independently before making any decisions.
Limitation of Liability
To the fullest extent permitted by law, WhatIfMoney and its operators shall not be liable for:
- Any investment losses or financial damages
- Decisions made based on information from our service
- Errors, omissions, or inaccuracies in data
- Service interruptions or technical issues
- Indirect, incidental, or consequential damages
Intellectual Property
All content, design, and functionality of WhatIfMoney is owned by us and protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without permission.
Changes to Terms
We reserve the right to modify these Terms of Service at any time. Continued use of the service after changes constitutes acceptance of the new terms.
Governing Law
These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.
Contact
Questions about these Terms? Contact us at our contact page.