Terms of Use
By downloading or using Fomo Calc ("the app"), you agree to these terms. If you do not agree, please do not use the app.
1. What the app is
Fomo Calc is an entertainment and educational calculator. It applies historical market prices and dividend history to a hypothetical investment you describe, and shows what that investment would have been worth.
Fomo Calc is not financial advice. It is not a brokerage, a robo-adviser, or a registered investment adviser, and nothing it displays is a recommendation to buy, sell, or hold any security. Past performance does not predict future results. Every figure the app shows is hypothetical and ignores taxes, trading commissions, bid-ask spreads, currency effects, and the practical reality that you could not necessarily have executed at the historical prices shown. Do your own research and consult a licensed professional before making any investment decision.
2. Accuracy of market data
Market data is supplied by third parties. It may be delayed, incomplete, adjusted differently than you expect, or simply wrong. Corporate actions such as splits, spinoffs, and special dividends may not be modelled exactly. We make no warranty as to the accuracy, completeness, or timeliness of any figure the app displays, and we are not liable for decisions made in reliance on it.
3. Free tier and Fomo Calc Pro
The core Lump Sum calculator is free and unlimited. Dollar-Cost Averaging and Compare are limited to three runs each per calendar week on the free tier.
Fomo Calc Pro is a one-time, non-consumable in-app purchase that removes those limits and lifts the cap on saved scenarios. It is not a subscription and does not renew. Payment is charged to your Apple ID at confirmation of purchase. The unlock is tied to your Apple ID and can be restored on any device signed in to that Apple ID using "Restore Purchases". Family Sharing is enabled, so members of your Family Sharing group also receive Pro.
All purchases are processed by Apple and are subject to Apple's terms. Refunds are handled by Apple, not by us; request one through Apple's support site.
4. Acceptable use
You agree not to reverse-engineer the app, attempt to circumvent the free-tier limits or the purchase mechanism, scrape or redistribute market data obtained through the app, or use the app in violation of any applicable law.
5. Intellectual property
The app, its name, its design, and its content are owned by the developer and protected by copyright. These terms grant you a personal, non-transferable, revocable licence to use the app on devices you own or control, consistent with the Apple Media Services Terms of Service.
6. Disclaimer of warranties
The app is provided "as is" and "as available", without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the app will be uninterrupted, error-free, or that market data will remain available.
7. Limitation of liability
To the maximum extent permitted by law, the developer is not liable for any indirect, incidental, special, consequential, or punitive damages, or for any investment loss, lost profits, or lost data, arising out of your use of the app. Total liability for any claim relating to the app is limited to the amount you paid for it.
Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.
8. Changes
We may update these terms. Material changes will be reflected in the effective date above. Continued use of the app after an update constitutes acceptance.
9. Apple
Apple is not a party to these terms and has no obligation to provide support or maintenance for the app. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.
10. Contact
Questions about these terms: bungee-mats-4t@icloud.com