Terms & Conditions

Last Updated: February 10, 2026

Introduction

These Terms of Service (“Terms”) govern your use of the Compounder iOS application (“App”) developed by Artur Gorbaczewski (“Developer”, “we”, “us”, “our”). By downloading or using the App, you agree to these Terms. If you do not agree, do not use the App.

Apple Disclaimer: These Terms are between you and the Developer only, not with Apple Inc. Apple is not responsible for the App or its content.

1. Acceptance of Terms

By accessing or using the App, you confirm that:

You are at least 13 years of age.
You have the legal capacity to enter into these Terms.
You accept these Terms and our Privacy Policy.

2. License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Download and install the App on Apple devices that you own or control.
Use the App for personal, non-commercial purposes.

This license does not permit you to:

Copy, modify, or distribute the App.
Reverse engineer, decompile, or disassemble the App.
Sublicense or sell access to the App.
Remove any copyright or proprietary notices from the App.
Use the App for any unlawful purpose.

3. Compounder Pro — One-Time Purchase

3.1 One-Time Lifetime License

Compounder offers an optional paid upgrade called Compounder Pro. This is a one-time, non-recurring purchase — it is not a subscription. You will not be charged on a recurring basis. Upon purchase, you receive a permanent license to access Compounder Pro features on your Apple devices.

3.2 What’s Included

Free Tier (no purchase required):

Basic compound interest calculator
Side-by-side scenario comparison (2 scenarios)
Period breakdown table
Growth trajectory chart and contribution pie chart
CSV export

Compounder Pro (one-time purchase):

Variable interest rates per period
Inflation adjustment
Saving and managing multiple calculation scenarios
Reverse calculators (target amount, required return rate, timeline calculator)
Advanced analytics and visualizations
Professional PDF export

We reserve the right to add, modify, or remove features from either tier with reasonable notice.

3.3 Restoring Purchases

If you change devices or reinstall the App, you can restore your Compounder Pro purchase using the “Restore Purchases” feature within the App. Your purchase is tied to your Apple ID.

3.4 Payment and Billing

All payments are processed by Apple through the App Store. The Developer does not process or store your payment information. The price of Compounder Pro is displayed in the App prior to purchase and may vary by region per Apple’s pricing tiers.

3.5 Refunds

Refund requests are handled by Apple in accordance with their App Store refund policies. The Developer does not process refunds directly. To request a refund, visit https://reportaproblem.apple.com or contact Apple Support.

3.6 Price Changes

The Developer reserves the right to change the price of Compounder Pro. Price changes will not affect purchases already made.

4. Intellectual Property

4.1 App Ownership

The App, including its design, code, graphics, and content, is owned by Artur Gorbaczewski and is protected by copyright, trademark, and other intellectual property laws. All rights not expressly granted in these Terms are reserved.

4.2 Your Data

All financial data, calculations, and inputs you enter into the App are yours. The Developer makes no claim of ownership over data you enter. Because all data is stored locally on your device, you maintain complete control over it at all times.

5. Financial Disclaimer

Compounder is a calculator tool, not financial advice.

Compounder is designed as a mathematical tool for educational and informational purposes. All calculations, projections, and results provided by the App are based solely on the numbers you input using standard compound interest formulas. They are not financial, investment, retirement, tax, or legal advice.

The App does not account for all real-world factors affecting investments, including but not limited to: taxes on gains, investment fees and commissions, market volatility, inflation (unless manually input), economic changes, or individual financial circumstances.

The Developer is not a licensed financial advisor, broker, or investment professional. Nothing in the App should be construed as a recommendation to buy, sell, or hold any investment, or to take any specific financial action.

You are solely responsible for any financial decisions you make. The Developer expressly disclaims all liability for any losses, damages, or adverse outcomes resulting from financial decisions made in reliance on the App’s calculations or outputs.

Always consult a qualified, licensed financial professional before making investment, retirement, or financial planning decisions.

6. Third-Party Services

The App integrates with the following third-party services:

Service	Purpose	Terms/Privacy
RevenueCat	Purchase management and receipt validation	https://www.revenuecat.com/terms
Apple App Store	App distribution and payment processing	https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

We are not responsible for the practices of these third parties. Your use of these services is subject to their respective terms and privacy policies.

7. Privacy

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the App, you consent to the data practices described in the Privacy Policy. The Privacy Policy is available at https://nightcodeapps.com/apps/compounder/privacy and within the App settings.

8. Disclaimer of Warranties

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

Warranties of merchantability, fitness for a particular purpose, or non-infringement.
Guarantees that the App will be error-free, uninterrupted, or free of viruses.
Guarantees that calculations will be accurate for your specific real-world financial circumstances.
Guarantees that the App will be available at any particular time.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

9.1 IN NO EVENT SHALL THE DEVELOPER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF SAVINGS, OR FINANCIAL LOSSES, ARISING FROM YOUR USE OF THE APP OR RELIANCE ON ITS CALCULATIONS.

9.2 THE DEVELOPER’S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID FOR COMPOUNDER PRO, OR USD $100, WHICHEVER IS LESSER.

9.3 THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF THE DEVELOPER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the limitation of liability for certain types of damages, so these limitations may not fully apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless the Developer and his affiliates, successors, and assigns from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

Your use of the App in violation of these Terms.
Your violation of any applicable law or regulation.
Any financial decisions you make based on the App’s calculations.
Your infringement of any third-party rights.

11. Termination

11.1 These Terms remain in effect as long as you use the App.

11.2 You may terminate these Terms at any time by deleting the App from all your devices.

11.3 We may terminate or suspend your access to the App (e.g., by withdrawing it from the App Store) at any time, with or without cause, with or without notice.

11.4 Upon termination, all licenses granted to you under these Terms will cease. Sections 4 (Intellectual Property), 5 (Financial Disclaimer), 8 (Disclaimer of Warranties), 9 (Limitation of Liability), 10 (Indemnification), 12 (Governing Law), and 13 (Dispute Resolution) survive termination.

12. Governing Law

These Terms are governed by the laws of the Republic of Poland, without regard to its conflict of law provisions, except where mandatory consumer protection laws of your country of residence apply.

EU/EEA Users: Nothing in these Terms limits your rights under applicable EU consumer protection law, including the rights you have under EU Directive 2011/83/EU on Consumer Rights and GDPR.

California Users: To the extent California law applies, these Terms are subject to the California Consumer Legal Remedies Act (CLRA) and related consumer protection statutes.

13. Dispute Resolution

13.1 Informal Resolution

Before initiating any formal proceeding, both parties agree to attempt to resolve any dispute informally. Contact us at contact@nightcodeapps.com with a description of the dispute. We will attempt to respond and resolve within 30 days.

13.2 Mediation

If informal resolution fails, parties agree to attempt non-binding mediation before proceeding to litigation.

13.3 Jurisdiction

Any disputes not resolved informally shall be subject to the exclusive jurisdiction of the courts of Poland. However, if mandatory consumer protection laws in your country of residence give you the right to bring claims in local courts, those rights are not waived.

13.4 EU Online Dispute Resolution

EU/EEA consumers may also use the European Commission’s Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr

14. General Provisions

14.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Developer regarding your use of the App, and supersede all prior agreements.

14.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

14.3 No Waiver

Failure by the Developer to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

14.4 Assignment

You may not assign or transfer your rights or obligations under these Terms. The Developer may assign these Terms without restriction.

14.5 Updates to These Terms

We may update these Terms from time to time. We will notify you of material changes by updating the “Last Updated” date and, where appropriate, by providing notice within the App. Continued use of the App after changes constitutes your acceptance of the updated Terms.

15. Contact

For questions about these Terms of Service:

Artur Gorbaczewski Email: contact@nightcodeapps.com

If you are located in the EU or EEA, you have rights under GDPR as described in our Privacy Policy. In addition:

You have the right to withdraw consent at any time (where processing is based on consent).
You have the right not to be subject to solely automated decision-making.
Our Privacy Policy details the legal bases for any data processing and how to exercise your rights.

These Terms do not limit your statutory rights as an EU consumer.

17. California Resident Rights (CCPA)

California residents have specific rights regarding their personal information as described in our Privacy Policy, including:

The right to know what personal information is collected about you.
The right to delete personal information collected about you.
The right to opt-out of the sale of personal information (we do not sell personal information).
The right not to be discriminated against for exercising your CCPA rights.

To exercise these rights, contact us at contact@nightcodeapps.com.