Terms of Service

These Terms of Service (the "Terms") govern your access to and use of the website apysavingscalculator.com (the "Site") operated by 2K Ventures LLC ("2K Ventures," "we," "us"). By using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1. Informational use only

The Site provides educational content, calculators, and comparisons for informational purposes. The Site does not provide legal, tax, or personalized financial advice. Any rates, yields, examples, or rankings may be incomplete, rounded, delayed, or otherwise inaccurate. Always verify current rates, fees, insurance coverage, and account terms with the financial institution before opening an account.

2. Not a bank; no fiduciary relationship

2K Ventures is not a bank, credit union, broker-dealer, or registered investment adviser. Use of the Site does not create a fiduciary relationship. You are solely responsible for your financial decisions.

3. Affiliate relationships and advertising

The Site may display affiliate links and advertisements. We may earn commissions or other compensation when you click links or open accounts through partners. Compensation arrangements may influence which offers are highlighted or ordered. See our Methodology page for additional context.

4. No guarantees

We make no warranties regarding uninterrupted access, error-free operation, or specific financial outcomes. To the fullest extent permitted by law, the Site is provided "as is" and "as available."

5. Limitation of liability

To the fullest extent permitted by law, 2K Ventures and its owners, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or exemplary damages, or any loss of profits, revenues, data, or goodwill, arising from your use of the Site or reliance on any content. Our aggregate liability for any claim arising out of the Site will not exceed the greater of (a) $100 USD or (b) amounts you paid us (if any) for the specific service giving rise to the claim in the twelve months preceding the claim.

6. Indemnity

You agree to indemnify and hold harmless 2K Ventures from claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your misuse of the Site, violation of these Terms, or violation of applicable law.

7. Third-party sites

The Site may link to third-party websites. We do not control and are not responsible for third-party content, policies, or practices.

8. Intellectual property

Site content is owned by 2K Ventures or its licensors and is protected by intellectual property laws. You may not copy, scrape, or redistribute Site content for commercial purposes without permission, except as allowed by law or with explicit written consent.

9. Changes; termination

We may modify these Terms at any time by posting an updated version on the Site. Continued use after changes constitutes acceptance. We may suspend or discontinue the Site at any time.

10. Governing law; disputes

These Terms are governed by the laws of the State of Nevada, excluding conflict-of-law rules. Subject to applicable law, you agree that exclusive jurisdiction and venue for disputes will be in state or federal courts located in Clark County, Nevada, unless a different forum is required by applicable consumer protection law.

11. Contact

See our About page for contact details if provided.

For data practices, see our Privacy Policy.