Terms of Use

Last updated 13 August 2026 · Compound Interest, FIRE & Loan, an app by Octo8 · iOS and Android

By downloading or using the app, you agree to these terms. If you don't agree, please don't use the app.

Licence

The app is licensed, not sold. If you obtained it from the App Store, Apple's Standard End User License Agreement (EULA) applies; if from Google Play, the Google Play Terms of Service apply. The terms on this page apply in addition to whichever governs your copy.

Octo8 grants you a personal, non-exclusive, non-transferable licence to use the app on Apple or Android devices you own or control, for your own personal, non-commercial use.

Not investment, tax or legal advice

This is the most important clause on the page. The app is a calculator: it computes what you type into it.

• Results are for information only and do not constitute investment, tax, legal or financial advice.
• Inputs such as return, inflation and interest rate are your assumptions, not predictions of real outcomes. Past or projected returns are not a guarantee of future returns.
• The tax rule packs in the app (Turkey, Germany, Spain, Brazil and a generic pack) are based on published rates and are stamped with the date they took effect. Rates change and exemptions may apply to your situation, so the app's figure can differ from your bank's or your tax authority's.
• The true cost of a bank product, loan or investment may differ from what you see here because of fees, commissions, insurance and tax legislation. For a binding figure, rely on your bank's offer or a qualified adviser.

Decisions you make on the basis of a figure shown in the app are your own responsibility.

Pro subscription

• All six calculators are free and unlimited. Pro unlocks unlimited saved calculations, side-by-side scenario comparison, CSV and PDF export, and extra accent colours.
• Pro is an auto-renewing subscription offered weekly, monthly and yearly. The monthly and yearly plans start with a one-week free trial; the weekly plan has no trial. Where a free trial applies, its length is shown in the app before you subscribe.
• Payment is charged to your Apple Account (iOS) or your Google Play account (Android) at confirmation of purchase. After any free trial, the subscription renews automatically at the then-current price unless cancelled at least 24 hours before the end of the current period.
• You can manage or cancel your subscription any time from the Manage subscription row in the app, which opens your store's own screen. To go there directly: on iOS Settings → your name → Subscriptions; on Android Play Store → your profile → Payments & subscriptions → Subscriptions. Deleting the app does not cancel a subscription.
• Prices are shown in the app for your own region and may change; you'll be asked to agree to any increase.
• Purchases can be restored on your other devices via the app's "Restore Purchases" option.

Acceptable use

Don't misuse the app: don't attempt to reverse engineer, disrupt or circumvent its security, and don't use it unlawfully.

The data you enter

The numbers you enter and the calculations you save are yours and stay on your device (see the Privacy Policy). Backing them up is your responsibility; deleting the app deletes them. On Android, if system backup is switched on, a copy of the app's data may sit in your own Google account.

Disclaimer & limitation of liability

The app is provided "as is", without warranties of any kind to the extent permitted by law. To the maximum extent permitted by law, Octo8 is not liable for any indirect, incidental or consequential damages arising from your use of the app — including financial loss, lost profits, and decisions taken in reliance on a calculation.

Changes

We may update these terms; the current version always lives at this URL with its date. Continued use after a change means you accept it.

Governing law & contact

These terms are governed by the laws of the Republic of Türkiye, without regard to conflict-of-laws rules. Questions? [email protected].