Terms of Use

The terms that apply when using hindsightreturns.com.

Last updated: October 4, 2026

Website information

Hindsight Returns provides an educational calculator and general information about historical investment returns. It is not financial, investment, accounting, tax, or legal advice and should not be relied on as a substitute for advice appropriate to your circumstances. Nothing on the site is a recommendation to buy or sell any security.

Hypothetical results

Results describe investments that were not made. They assume a single purchase at a past closing price, held to the most recent close, with no taxes, fees, or commissions. Past performance does not predict future results.

Accuracy and availability

Market data comes from third-party sources and may contain errors, delays, or gaps. Hindsight Returns aims to keep the site accurate and useful but does not guarantee that any figure or page will be complete, current, error-free, or continuously available.

Acceptable use

The site is for personal, non-commercial use. Automated or bulk requests, scraping, attempts to disrupt the site or access it without authorization, and reselling or republishing its data or calculations are not permitted. Access may be blocked for misuse.

Limitation of liability

To the extent permitted by law, Hindsight Returns is not liable for any direct, indirect, incidental, or consequential losses arising from use of the site or reliance on its content, including investment decisions. Use of the site is at your own risk.

Ownership and external links

Unless otherwise stated, the site's content and branding belong to Hindsight Returns. You may link to any page and quote short excerpts with a link back. Advertisements and links to third-party websites are not controlled or endorsed by Hindsight Returns.

Applicable law

These terms are governed by the laws of Ontario and the applicable laws of Canada.

Changes to these terms

Hindsight Returns may update these terms from time to time. The date at the top shows when they were last changed. Continued use of the site means you accept the current terms.

Questions about these terms: hello@hindsightreturns.com