Terms and Conditions

By accessing or using the Sound Thriftorage website or Service, you confirm that you have read, understood, and agree to be bound by these Terms and any policies referenced within them, including our Privacy Policy. If you do not agree with any part of these Terms, you must not use the Service.

Sound Thriftorage provides backtested financial data analysis, methodological summaries, and related informational content intended to support long-term financial planning research. The Service is provided on an "as available" basis and may be modified, suspended, or discontinued at any time without prior notice.

Nothing on this website constitutes financial, investment, tax, or legal advice. All data, backtests, methodology descriptions, and statistics presented are for informational and educational purposes only. Past performance and historical backtested results are not indicative of future results. You should consult a qualified, independent professional before making any financial decision.

You must be at least 18 years of age, or the age of legal majority in your jurisdiction, to use the Service. If any part of the Service requires registration or submission of contact details, you agree to provide accurate and current information and to keep such information up to date.

You agree not to misuse the Service. This includes, without limitation, agreeing not to:

• Reproduce, scrape, or redistribute content from the Service without prior written permission;
• Attempt to interfere with, disrupt, or compromise the security or integrity of the website;
• Use the Service for any unlawful purpose or in violation of any applicable regulation;
• Misrepresent your affiliation with Sound Thriftorage or impersonate any person or entity.

All content on this website, including text, graphics, methodology descriptions, data visualizations, and layout, is the property of Sound Thriftorage or its licensors and is protected by applicable intellectual property laws, unless otherwise stated. You may view and download content for personal, non-commercial use only, provided that you retain all copyright and proprietary notices.

The Service may contain links to third-party websites or reference third-party data sources. Sound Thriftorage does not control and is not responsible for the content, accuracy, or practices of any third-party site or source. Inclusion of a link does not imply endorsement.

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Sound Thriftorage does not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

To the fullest extent permitted by applicable law, Sound Thriftorage and its officers, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, data, or financial opportunity, arising from or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages.

You agree to indemnify and hold harmless Sound Thriftorage, its affiliates, and their respective representatives from any claims, damages, losses, or expenses (including reasonable legal fees) arising out of your use of the Service or your violation of these Terms.

Sound Thriftorage reserves the right to update or modify these Terms at any time. Material changes will be reflected by an updated revision date. Your continued use of the Service after any changes take effect constitutes acceptance of the revised Terms.

Sound Thriftorage may suspend or terminate your access to the Service at any time, without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or the business interests of Sound Thriftorage.

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise required by applicable local law.

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Questions regarding these Terms can be directed through the contact channels listed on our Contact page.