How Calculations Work

“Future Value”
Calculate the amount accumulated in the future based on the inputs you provide.
“Contribution/Withdrawal”
Calculate how much to contribute per period to reach your target future value, or how much can be withdrawn per period depending on inputs.
“Years Required”
Calculate how many years of investing are needed to reach your target based on the inputs.
“Required Rate”
Calculate what percentage rate of return is required to reach your target based on the inputs.

Assumptions

Calculations in this service are performed under the assumptions below. Depending on these assumptions, small discrepancies may occur.

1. Selection of compounding/contribution period
You can choose the compounding period and contribution frequency as either “annual” or “monthly”. These two settings are linked; you cannot select them independently (for example, annual compounding with monthly contributions).
2. Rounding during calculations
Only the values displayed in results are rounded. Intermediate values used during calculations are not rounded, but small discrepancies may occur due to decimal precision limits.
3. Display of “Years Required”
Even when the compounding period/contribution frequency is set to monthly, the “Years Required” result is shown in years only. The year closest to the month in which the target future value is reached is displayed. As a result, the target future value you entered and the displayed future value may differ slightly.
4. Precision of “Required Rate”
The rate is calculated up to four decimal places. The result shows the rate that most closely reaches your target future value; due to the limit on decimal places, it may not match exactly.

Terms of Service

These Terms set forth the handling when you use services related to the application software “Compound Interest Calculator Pro” (the “App”) provided by OWEN Inc. (the “Company”). By starting to use the App, you are deemed to have agreed to these Terms.

Article 1 (Definitions)

Terms used in these Terms are defined as follows:

(1) “Content”
A collective term for text, audio, still images, videos, software programs, code, etc. provided on the Service (including user submissions).
(2) “User”
All persons who use the Service.
(3) “Personal Information”
Information that can identify an individual, such as address, name, occupation, and telephone number.
(4) “Personal-related Information”
Information that does not identify a specific individual, such as device model information, IP address, OS version, cookies, advertising identifiers, in‑app settings, and dates/times of Service use.
(5) “Statistical Information”
Information that is no longer personal information after aggregation and other processing.
(6) “Intellectual Property”
Inventions, devices, new plant varieties, designs, works, and other outputs generated by human creative activities (including discovered or elucidated natural laws or phenomena that are industrially applicable).
(7) “Intellectual Property Rights”
Patent rights, utility model rights, design rights, trademark rights, copyrights, and other intellectual property rights (including the right to obtain such rights or apply for registration).

Article 2 (Consent to these Terms)

  1. Users use the Service on the condition that they agree to these Terms.
  2. When a User starts using the App, a service agreement pursuant to these Terms is deemed to have been formed between the User and the Company.
  3. If the User is a minor, please use the Service only after obtaining consent from a legal guardian.

Article 3 (Changes to these Terms)

  1. The Company may revise the contents of these Terms at any time without obtaining the User’s consent, and the User agrees to this without objection.
  2. When revising these Terms, the Company will notify Users of the details in a manner prescribed by the Company.
  3. The revision takes effect at the time the Company provides the notice in the preceding paragraph.
  4. If the User uses the Service after a revision, the User is deemed to have agreed to the revised Terms without objection.

Article 4 (Handling of Personal Information, etc.)

The App does not collect Personal Information from customers.

The Company may use Personal-related Information for the purposes below. Where consent is required under the Act on the Protection of Personal Information and related guidelines, we use such information only after obtaining consent in a manner compliant with those laws and guidelines.

  1. Research and analysis of App usage
  2. To improve the Company’s services and to consider new services
  3. To provide data externally for research purposes
  4. When outsourcing operations related to provision of the Service, marketing, new service development, and service improvement to third parties
  5. When disclosure is requested by a public institution for legitimate reasons
  6. In other cases with the User’s consent

Article 5 (Handling of Statistical Information)

  1. Statistical Information is created by aggregating and analyzing Personal-related Information and other data.
  2. The Company may use Statistical Information for the following purposes:
    • (1) Research and analysis of App usage
    • (2) External communications for the Company’s promotional purposes
    • (3) Provision to external parties as research data
    • (4) When outsourcing operations related to provision of the Service, marketing, new service development, and service improvement to third parties
    • (5) When disclosure is requested by a public institution for legitimate reasons
    • (6) In other cases with the User’s consent

Article 6 (Prohibited Conduct)

In using the Service, the following acts are prohibited. If the Company determines that a User has violated any prohibition, the Company may take measures it deems necessary, such as suspension of use, and the User agrees to this without objection.

  1. Infringement of the Company’s or a third party’s intellectual property rights
  2. Acts that damage or unfairly defame the honor or credibility of the Company or a third party
  3. Infringing, or likely infringing, the property of the Company or a third party
  4. Causing economic damage to the Company or a third party
  5. Threatening the Company or a third party
  6. Use of the Service for solicitation of financial products
  7. Use for seminars or sales activities related to financial products
  8. Commercial use involving product sales
  9. Using or inducing computer viruses or other harmful programs
  10. Placing excessive stress on the Service infrastructure
  11. Attacks on the Site’s servers, systems, or security
  12. Attempting to access the Service by methods other than the interfaces provided by the Company
  13. Other acts the Company deems inappropriate

Article 7 (Handling of the Service)

  1. Users may use the Service for the purpose of simulating asset management with compound interest.
  2. All rights to the Service are owned by the Company, and nothing herein grants Users any license to implement or use the Company’s patents, utility models, designs, trademarks, copyrights, or other intellectual property rights.
  3. Users are prohibited from reproduction, transmission, transfer (including sales between Users), lending, translation, adaptation, unauthorized reproduction, secondary use, commercial use, modification, disassembly, decompilation, reverse engineering, or any other use beyond the scope defined by the Company.

Article 8 (Disclaimers)

  1. The Company assumes no responsibility for calculation results or chart displays shown in the Service.
  2. Calculation results are not predictions or guarantees of future investment performance.
  3. The App does not recommend or solicit transactions in any specific financial products.
  4. The Company makes no warranty as to the accuracy, completeness, or reliability of calculation results.
  5. The Company bears no responsibility for any problems or disputes between Users and third parties in connection with the Service.
  6. The Company bears no responsibility for any damages arising from changes, suspension, or termination of the Service.
  7. The Company is not involved in, and bears no responsibility for, the User’s environment for using the Service.
  8. The Company does not warrant that the Service is free of defects or bugs.
  9. The Company does not guarantee that the Service supports all devices. Due to OS version upgrades of devices used for the Service, malfunctions may occur, and the Company does not guarantee that such issues will be resolved by program modifications or other measures by the Company.
  10. Users acknowledge that due to changes in the terms and operating policies of app stores such as the App Store or Google Play, some or all of the Service may become restricted.
  11. The Company is not liable for any direct or indirect damages incurred by Users through the use of the Service.
  12. Even if the Company has been notified in advance of the possibility of damages, the Company shall not be liable for any opportunity losses, business interruptions, or any other damages (including indirect damages and lost profits) incurred by Users or other third parties.

Article 9 (Advertisements)

Users understand and agree that the Service may include various advertisements and that the Company or its partners may display advertisements. The form and scope of advertisements on the Service may change from time to time at the discretion of the Company.

Article 10 (Termination of the Service)

  1. The Company may terminate the Service by providing notice to Users in an appropriate manner.
  2. If the Service is terminated for any reason, the Company shall not be liable for any damages incurred by Users or third parties as a result.

Article 11 (Prohibition of Assignment)

  1. Users may not assign to any third party all or part of their status under these Terms or rights or obligations hereunder without the prior written consent of the Company.
  2. The Company may, at its discretion, assign all or part of the Service to a third party, in which case all rights of Users related to the Service, including their accounts, shall be transferred to the assignee to the extent of the transferred rights.

Article 12 (Contacting the Company)

Inquiries from Users regarding the Service shall be made through the inquiry form placed at appropriate locations in the Service or on websites operated by the Company, or by methods separately designated by the Company.

Article 13 (Governing Law and Jurisdiction)

  1. These Terms shall be governed by and construed in accordance with the laws of Japan.
  2. Any disputes between the Company and the User, depending on the amount in controversy, shall be subject to the exclusive jurisdiction of the Tokyo Summary Court or the Tokyo District Court.

Effective November 15, 2022

This English translation is provided for convenience. In case of any discrepancy, the Japanese version shall prevail.