Last updated: November 02, 2025
Terms of Use
Welcome to CompCalc, the AI-powered platform designed exclusively for licensed financial advisors evaluating firm transitions.
These Terms of Use govern your access to and use of our services, including all calculation tools, AI helpers, and related features.
📚 Educational Tool Notice: CompCalc provides educational calculations and analysis only. Our platform is not intended to provide financial, legal, or career advice. Always consult with qualified professionals before making transition decisions.
1. Acceptance of Terms
By accessing or using CompCalc, you agree to be bound by these Terms of Use and our Privacy Policy.
If you do not agree to these terms, you may not access or use our services.
- Professional Eligibility: CompCalc is designed exclusively for licensed financial advisors, wealth managers, and investment professionals.
- Account Registration: You must provide accurate and complete information when creating your account.
- Age Requirement: You must be at least 18 years old to use our services.
- Compliance: You agree to use our services in compliance with all applicable laws and regulations.
2. Description of Services
CompCalc provides AI-powered calculation tools and analysis for financial advisors evaluating career transitions:
- Revenue & Growth Projections: Calculate future revenue based on T12 performance and growth assumptions.
- Compensation Analysis: Compare payout structures, upfront bonuses, and backend incentives between firms.
- Multi-Firm Comparisons: Side-by-side analysis of multiple firm offers including risk assessments.
- W-2 vs. 1099 Analysis: Tax implications and net income comparisons between employment classifications.
- Break-Even & ROI Analysis: Timeline and return calculations for firm transition decisions.
⚠️ Important Disclaimer: All calculations are estimates based on your inputs and industry assumptions. Results may not reflect actual outcomes due to market conditions, client retention variations, regulatory changes, or other factors beyond our control.
3. User Responsibilities and Conduct
As a CompCalc user, you agree to:
- Accurate Information: Provide truthful and accurate data for calculations, including T12 revenue, payout percentages, and firm offer details.
- Professional Use: Use our platform solely for legitimate business evaluation purposes related to your financial advisory practice.
- Confidentiality: Maintain the confidentiality of your account credentials and not share access with unauthorized individuals.
- Compliance: Ensure your use of our platform complies with your current firm's policies and applicable regulations.
- No Misrepresentation: Not misrepresent your professional status, credentials, or firm affiliation.
4. Prohibited Uses
You may not use CompCalc to:
- Unauthorized Access: Attempt to gain unauthorized access to our systems, other user accounts, or confidential information.
- Data Mining: Extract, scrape, or systematically collect data from our platform for commercial purposes.
- Reverse Engineering: Reverse engineer, decompile, or attempt to derive our proprietary algorithms or calculation methods.
- Competitive Intelligence: Use our platform to gather competitive intelligence for recruiting firms or competing services.
- Fraudulent Activity: Submit false information, create fake accounts, or engage in any fraudulent or deceptive practices.
- System Interference: Interfere with or disrupt our services, servers, or networks.
5. Intellectual Property Rights
- CompCalc Ownership: All content, features, functionality, and technology on our platform are owned by CompCalc and protected by intellectual property laws.
- Limited License: We grant you a limited, non-exclusive, non-transferable license to use our services for your personal professional evaluation purposes.
- User Data: You retain ownership of the financial data you input, but grant us a license to process it for providing our services.
- Calculation Results: You may use calculation results for your personal decision-making but may not redistribute our proprietary analysis methods.
6. Privacy and Data Protection
Your privacy is important to us. Our data practices are governed by our Privacy Policy, which is incorporated into these Terms by reference.
- Data Security: We implement industry-standard security measures to protect your T12 revenue and compensation data.
- No Data Sharing: We never share your personal or financial information with recruiting firms, current employers, or third parties for marketing purposes.
- Data Retention: We retain your data only as long as necessary to provide our services and as described in our Privacy Policy.
7. Disclaimers and Limitations
IMPORTANT: CompCalc is provided "as is" without warranties of any kind. We specifically disclaim:
- Accuracy: While we strive for accuracy, we cannot guarantee that calculations will be error-free or reflect actual future outcomes.
- Financial Advice: Our platform provides educational tools only and does not constitute financial, legal, or career advice.
- Market Conditions: Calculations assume stable market conditions and may not account for economic downturns, regulatory changes, or industry disruptions.
- Individual Circumstances: Results may not reflect your specific situation, client base, or unique factors affecting your practice.
- Third-Party Actions: We are not responsible for actions taken by firms, clients, or other parties based on your use of our platform.
8. Limitation of Liability
To the maximum extent permitted by law, CompCalc and its affiliates shall not be liable for:
- Direct Damages: Any direct damages exceeding the amount you paid for our services in the 12 months preceding the claim.
- Indirect Damages: Any indirect, incidental, special, consequential, or punitive damages, including lost profits or opportunities.
- Career Decisions: Any losses resulting from career transition decisions made based on our calculations or analysis.
- Data Loss: Any loss of data, though we maintain regular backups and security measures.
- Service Interruptions: Any damages resulting from temporary service outages or maintenance periods.
9. Indemnification
You agree to indemnify and hold CompCalc harmless from any claims, damages, or expenses arising from:
- Your use of our platform in violation of these Terms
- Your breach of any representation or warranty made to us
- Your violation of any third-party rights or applicable laws
- Any false or misleading information you provide
10. Account Termination
Either party may terminate your account:
- By You: You may delete your account at any time through your account settings.
- By Us: We may suspend or terminate accounts that violate these Terms, engage in prohibited activities, or pose security risks.
- Effect of Termination: Upon termination, your access to our services will cease, and we will delete your personal data as described in our Privacy Policy.
- Survival: Sections relating to intellectual property, disclaimers, and limitations of liability survive termination.
11. Changes to Terms
We may update these Terms of Use from time to time:
- Notification: We will notify you of material changes via email or platform notification.
- Effective Date: Changes become effective 30 days after notification unless you object by terminating your account.
- Continued Use: Your continued use of our platform after changes indicates acceptance of the updated Terms.
12. Governing Law and Dispute Resolution
- Governing Law: These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.
- Jurisdiction: Any disputes will be resolved in the state or federal courts located in Delaware.
- Arbitration: For disputes under $10,000, you may choose binding arbitration as an alternative to court proceedings.
- Class Action Waiver: You agree not to participate in class action lawsuits against CompCalc.
13. Contact Information
For questions about these Terms of Use or our services, contact us at:
14. Entire Agreement
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and CompCalc regarding your use of our services.
They supersede any prior agreements or understandings, whether written or oral.
