Terms

Terms of Use

Last updated: July 2026

Acceptance

By accessing or using How Much Would I Have If (the “site”), you agree to these Terms of Use. If you do not agree, please do not use the site.

Education only — not financial advice

How Much Would I Have If is an educational and illustrative tool. Nothing on the site is financial, investment, tax, or legal advice, a recommendation to buy or sell any security, or an offer or solicitation of any kind. Historical performance is not a guarantee of future results. Always do your own research and consider consulting a qualified professional before making financial decisions.

“As is,” no warranty

The site and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied. While the figures are built from real, sourced price and inflation data, accuracy, completeness, and timeliness are not guaranteed, and data may contain errors or be out of date.

Intellectual property

The site's design, code, original text, and presentation are owned by David Paterni unless otherwise noted. Underlying market and economic data belong to their respective providers. You may reference and link to the site, but you may not copy or republish substantial portions of it without permission.

Limitation of liability

To the fullest extent permitted by law, David Paterni and How Much Would I Have If will not be liable for any direct, indirect, incidental, consequential, or other damages arising from your use of, or reliance on, the site or its content.

External links

The site may link to third-party websites and tools. Those sites are not under our control, and we are not responsible for their content, accuracy, or practices. Links are provided for convenience and do not imply endorsement.

Governing law

These terms are governed by the laws of the State of California, United States, without regard to its conflict-of-laws principles.

Changes to these terms

We may update these terms from time to time. Material changes will be reflected in the “Last updated” date above, and continued use of the site after changes take effect constitutes acceptance of the updated terms.

Contact

Questions about these terms? Email hello@howmuchwouldihaveif.com.