Night Code Apps
Compounder

Terms and Conditions

Last Updated: October 19, 2026

Introduction

These Terms and Conditions are an agreement between you and Artur Gorbaczewski (the “Developer”, “we”, “us”) for Compounder (the “Application”). You must be at least 13 years old to use the Application. By using the Application you agree to these Terms and Conditions and to Apple’s Licensed Application End User License Agreement (“Apple EULA”). Where these Terms and Conditions and the Apple EULA differ, these Terms and Conditions apply to the extent the Apple EULA allows.

1. The Application

Compounder is a compound interest calculator for iPhone. Grow, Goal and Compare, the growth chart, the year-by-year breakdown and CSV export are free. Compounder Pro is an optional upgrade that adds the retirement planner, inflation-adjusted results, yearly deposit increases, saved scenarios and PDF reports. We may add, change or remove features at any time.

2. License

We grant you a personal, non-exclusive, non-transferable, revocable license to install and use the Application on Apple devices you own or control, for your personal, non-commercial use, as permitted by the App Store’s Usage Rules. You may not copy, modify, reverse engineer, resell or redistribute the Application, or use it to build a competing product.

3. Compounder Pro: Monthly, Yearly or Lifetime

3.1 Ways to buy

Compounder Pro is sold through Apple’s App Store as:

  • Compounder Pro Yearly: an auto-renewing subscription billed once a year. If your Apple Account is eligible, it starts with a 7-day free trial.
  • Compounder Pro Monthly: an auto-renewing subscription billed once a month, with no free trial.
  • Compounder Pro Lifetime: a single, one-time payment with no renewal.

All three unlock the same features. The price of each, in your currency and including any applicable taxes, is shown in the Application and by Apple before you confirm.

3.2 Subscriptions (monthly and yearly)

  • Free trial (yearly only): eligibility is decided by Apple, normally once per Apple Account. Unless you cancel at least 24 hours before the trial ends, the yearly subscription starts and the yearly price is charged to your Apple Account when the trial ends. Any unused part of a free trial ends when you buy a subscription or Lifetime.
  • Payment is charged to your Apple Account when you confirm the purchase, or when the free trial ends.
  • Auto-renewal: the subscription renews automatically each month or year, at the then-current price, unless cancelled at least 24 hours before the end of the current period. Apple charges the renewal within the 24 hours before the period ends.
  • Managing and cancelling: in Settings → your name → Subscriptions, or at https://apps.apple.com/account/subscriptions. Deleting the Application does not cancel a subscription. Cancelling takes effect at the end of the current period; you keep Compounder Pro until then.
  • When a subscription ends: the Compounder Pro features lock again. Your saved scenarios are kept on the device and return when Compounder Pro is unlocked again. The free features stay available.
  • Price changes: Apple tells you in advance and, where required, asks for your consent. A price change never affects a Lifetime purchase already made.
  • Buying Lifetime while subscribed does not cancel the subscription; cancel it yourself in your Apple Account settings to avoid further charges.

Subscriptions are sold and billed by Apple under the Apple Media Services Terms and Conditions.

3.3 Refunds

Refunds are handled by Apple, not by us: visit https://reportaproblem.apple.com, sign in, find the Compounder purchase and choose “Request a Refund”. Apple decides under its own policies.

3.4 Restoring a purchase

After reinstalling or on a new device, use “Restore Purchases” in the Application while signed in to the Apple Account that made the purchase.

3.5 “Lifetime”

Lifetime means access to Compounder Pro for as long as the Application is available and works on your device. If we ever discontinue the Application, your access continues until it stops working on your device, and we stop offering new subscription periods.

4. Not Financial Advice

Compounder is a calculator. Its results are mathematical projections based only on the numbers you enter, for information and education. They are not financial, investment, retirement, tax or legal advice, and not a recommendation to buy, sell or hold any investment. The results do not account for taxes, fees, market swings or your personal circumstances, and inflation only when you enter it. The Developer is not a licensed financial adviser. You are responsible for your own financial decisions; for decisions about your money, talk to a licensed financial adviser.

5. Your Data

The numbers you enter, your results and your saved scenarios are yours, and they stay on your device. How we handle information is described in the Privacy Policy; in short, nothing you enter leaves the device and we run no ads, analytics or tracking.

6. Intellectual Property

The Application, its design, text, graphics and code belong to the Developer or its licensors and are protected by copyright and other laws. These Terms and Conditions do not transfer any ownership to you.

7. Third-Party Services

Purchases are processed by Apple, and RevenueCat (RevenueCat, Inc.) confirms whether Compounder Pro is unlocked, under its Privacy Policy. We are not responsible for third-party services, which have their own terms.

8. Warranties Disclaimer

THE APPLICATION IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, TO THE EXTENT PERMITTED BY LAW. We do not promise that the Application is error-free, uninterrupted, compatible with every device, or that any projection will match a real-world outcome.

ON BEHALF OF APPLE, WE DISCLAIM ALL WARRANTIES AND LIABILITY FOR THE APPLICATION. APPLE IS NOT RESPONSIBLE FOR THE APPLICATION, ITS OPERATION, MAINTENANCE, SUPPORT OR ANY CLAIMS ABOUT IT.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, INCLUDING LOSS OF DATA, LOSS OF PROFITS OR SAVINGS, OR FINANCIAL LOSSES FROM DECISIONS MADE IN RELIANCE ON THE APPLICATION’S RESULTS. Our total liability is limited to the amount you paid for Compounder Pro in the twelve months before the claim (or the lifetime price, if you bought Lifetime). Nothing in these Terms and Conditions limits liability that cannot be limited by law, including your statutory rights as a consumer.

10. Termination

You may stop using the Application at any time by deleting it (and cancelling any subscription in your Apple Account settings). We may end this license if these Terms and Conditions are seriously breached, and we may change, suspend or stop offering the Application, or any of its features, at any time. Sections 4, 6, 8, 9 and 11 survive termination.

11. Governing Law

These Terms and Conditions are governed by the laws of Poland, without regard to conflict-of-law rules. If you live in the European Union, Switzerland, Norway or Iceland, you keep the protection of the mandatory consumer laws of your country and may bring claims in its courts. Consumers in the EU can also use the EU Online Dispute Resolution platform where it applies. We will always try to resolve a problem informally first: please contact us.

12. EU Consumers: Right of Withdrawal

Digital content is supplied immediately after purchase. By confirming a purchase you ask for immediate supply and acknowledge that the 14-day right of withdrawal ends once supply begins, as EU law permits. Apple’s own refund policy (Section 3.3) still applies.

13. Changes

We may update these Terms and Conditions at any time. The “Last Updated” date at the top of this page shows the latest version, and continuing to use the Application after an update means you accept the updated Terms and Conditions.

14. Contact

Artur Gorbaczewski Email: contact@nightcodeapps.com