Total Return Terms of Use
Effective October 11, 2026
These terms apply to your use of the Total Return app for iPhone and iPad ("the app"), published by Nagotek LLC ("we", "us"). They add to Apple's Licensed Application End User License Agreement, which also applies. By using the app, you agree to these terms.
Not financial advice
The app is a tracking tool. Its figures, including total return and CAGR, are calculations based on the information you enter and on prices you enter or fetch. They are not financial, investment, tax or legal advice. Check important figures against your official account statements before relying on them.
Your data
You are responsible for the accuracy of what you enter and for keeping backups. Your data is stored on your device; we cannot recover it if it is lost.
Third-party quote data
Quote updates use your own API key from Tiingo, an independent service not affiliated with us. Your use of Tiingo is governed by Tiingo's terms, including any limits of its free or paid plans. Prices may be delayed, incomplete or unavailable, and we do not guarantee their accuracy or availability.
Free use and subscriptions
The app is free for low-volume use. Higher levels of use require a subscription purchased through the App Store. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. You can manage or cancel them in your Apple account settings. Payment, renewals and refunds are handled by Apple under its terms.
Acceptable use
Do not reverse engineer, resell or misuse the app, or use it in violation of any law or of Tiingo's terms.
Disclaimer and limitation of liability
The app is provided "as is" without warranties of any kind, to the extent permitted by law. To the extent permitted by law, we are not liable for any indirect, incidental or consequential damages, or for investment decisions or losses arising from your use of the app.
Changes
We may update these terms. The current version will always be on this page with its effective date.
Governing law
These terms are governed by the laws of the State of New Jersey, United States, without regard to conflict-of-law rules.