Terms of Service | YieldVsLock

Welcome to YieldVsLock (accessible at yieldvslock.com). By accessing or using our website and calculator tool, you agree to comply with and be bound by the following Terms of Service.

Financial Disclaimer

Disclaimer: The HYSA vs. CD Opportunity Cost Calculator provides mathematical estimates for educational and informational purposes only. The calculations, APY outputs, and penalty projections do NOT constitute financial, investment, legal, or tax advice. We strongly recommend consulting a qualified financial advisor before opening or closing any banking products or making investment decisions.

1. Educational Estimates Only

All return figures, interest projections, early exit penalty estimations, and comparison metrics displayed on YieldVsLock are mathematical models based on compound interest assumptions. Actual bank terms, APY compounding frequencies, Federal Reserve rate adjustments, and early withdrawal penalty schedules vary by financial institution and may differ from calculated estimates.

2. Limitation of Liability

In no event shall YieldVsLock, its owners, or operators be held liable for any direct, indirect, incidental, consequential, or financial damages arising out of your use of or inability to use this website, or reliance upon any calculation or partner recommendation provided herein.

3. Affiliate Disclosure & Partner Offers

YieldVsLock participates in affiliate marketing programs. We may receive monetary compensation or referral fees when you click on links to partner financial institutions (such as SoFi or Marcus by Goldman Sachs) and successfully open an account. Compensation does not influence our objective mathematical formulas or product display order.

4. Intellectual Property

5. Contact Information

If you have questions regarding these Terms of Service, please contact us by email at admin@yieldvslock.com.