Terms of Service

Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of products.investorsam.com and its calculators, tools, and content (the "Service"), operated by FlossBite LLC ("we," "us"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Ownership and Intellectual Property

The Service and all of its contents — including the source code, calculator logic and formulas as expressed on the site, written text, guides, data compilations, tool designs, and page layouts (collectively, the "Content") — are owned by FlossBite LLC and are protected by copyright and other intellectual-property laws. All rights are reserved.

Permitted Use

You may access and use the Service for your own personal, non-commercial purposes — running the calculators, reading the guides, and sharing links to individual pages. Automated access by search engines and AI crawlers is permitted only to the extent expressly allowed by our published robots.txt, sitemap.xml, and llms.txt.

Prohibited Conduct

You agree not to:

• Scrape, crawl, harvest, or bulk-download the Content beyond what our robots.txt, sitemaps, and llms.txt permit;
• Copy, reproduce, republish, mirror, or redistribute the Content, in whole or in part;
• Create derivative works from the Content, or use it to build, train, populate, or operate a competing calculator or content site;
• Frame, embed, or present the Service so as to misrepresent its source or ownership;
• Circumvent, disable, or interfere with the Service's security, rate-limiting, or access controls, or make automated requests that impose an unreasonable load on our infrastructure.

Not Financial, Tax, or Legal Advice

The Service is provided for general educational and informational purposes only. It does not constitute financial, investment, tax, or legal advice, and no calculator output or AI-generated explanation should be relied upon as such. Calculators produce estimates based on the inputs and assumptions you provide; results may not reflect your actual situation. Always consult a qualified professional before making financial decisions.

Copyright and DMCA Notices

We respect intellectual-property rights and expect users to do the same. If you believe your copyrighted work has been used on the Service in a way that constitutes infringement, or if you wish to report unauthorized reproduction of our Content, send a written notice to our designated agent that includes: (1) identification of the work; (2) the URL(s) at issue; (3) your contact information; (4) a statement of good-faith belief that the use is unauthorized; and (5) a statement, under penalty of perjury, that the information is accurate and you are authorized to act.

Designated agent: [email protected] (FlossBite LLC)

Disclaimer of Warranties & Limitation of Liability

The Service is provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent permitted by law, FlossBite LLC will not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Service.

Governing Law

These Terms are governed by the laws of the United States and the state in which FlossBite LLC is organized, without regard to conflict-of-law principles.

Changes to These Terms

We may update these Terms from time to time. Your continued use of the Service after changes are posted constitutes acceptance of the revised Terms. Questions: [email protected].