1. Acceptance of Terms
By accessing or utilizing DeltaSpend (located at https://deltaspend.com), you acknowledge and agree to abide by these Terms of Service. If you do not consent to these terms, please discontinue use of the platform immediately.
2. Important Non-Advisory Financial Disclaimer
DeltaSpend is strictly an educational simulation and portfolio reflection platform.
- The simulations, calculations, and certificates provided by DeltaSpend do NOT constitute professional investment advice, financial planning, tax guidance, or brokerage recommendations.
- Past market performance (including historic trajectories of assets such as Nvidia, Bitcoin, Apple, Tesla, Amazon, and the S&P 500) does not guarantee future results.
- All market estimates utilize approximate historical split-adjusted beginning-of-year pricing. Actual investment outcomes are subject to volatility, capital gains tax, brokerage fees, and inflation risk.
- Users must consult a licensed certified financial planner (CFP) or registered investment advisor prior to making real-world financial commitments.
3. Intellectual Property Rights
All software architecture, visual design language, the Delta Compound logo mark, and editorial copy are proprietary property of DeltaSpend Labs and the Delta Suite. You may freely share generated "Certificates of Regret" for personal or social sharing purposes, provided attribution to deltaspend.com remains intact.
4. Limitation of Liability
In no event shall DeltaSpend Labs, its creators, or affiliated entities be liable for any financial losses, lost prospective profits, or damages arising from the use or inability to use this platform.
5. Modifications
DeltaSpend Labs reserves the right to amend these terms at any time. Continued use of the website following any revisions signifies your acceptance of the updated terms.