By accessing or using our website, mobile app, or any related services (collectively, the "Service"), you confirm that you are at least 18 years old and agree to comply with these Terms of Service and our Privacy Policy. If you do not agree, please do not use the Service.

The Service provides interactive retirement-planning calculators that produce projections based on inputs you supply (such as expenses, investment amount, growth assumptions, and inflation rates). The Service is offered for educational and illustrative purposes only.

Important. The projections, charts, and reports generated by the Service do not constitute financial, investment, tax, accounting, or legal advice, and should not be relied upon as a substitute for consultation with a qualified professional. Outputs are based on the assumptions you provide and on simplified mathematical models that do not capture all factors affecting real-world outcomes (such as taxes, fees, market volatility, sequence-of-returns risk, healthcare costs, longevity, and changes in regulation). You are solely responsible for evaluating the suitability of any decision you make based on results of the Service.

To access certain features (including saved simulations, advisor dashboards, and downloadable reports), you must create an account. You agree to provide accurate, current, and complete information and to keep it up to date. You are responsible for safeguarding your password and for any activity under your account. Notify us immediately of any unauthorized use.

Some features — including downloadable PDF and Excel reports — require an active paid subscription. When you sign up as an advisor, your subscription is provisioned with a defined expiry date. You may use download features only while your subscription is active. We reserve the right to change pricing, billing cycles, and subscription terms; any changes will be communicated in advance and will not affect periods you have already paid for. Subscription fees are non-refundable except where required by law.

You agree not to: • Use the Service for any unlawful purpose or in violation of any applicable laws. • Reverse engineer, decompile, scrape, or attempt to extract the source code of the Service. • Interfere with, disrupt, overload, or attempt to gain unauthorized access to the Service or its infrastructure. • Use automated tools (bots, scrapers) to access the Service without our prior written consent. • Resell, sublicense, or redistribute the Service or its outputs without authorization, except for an advisor sharing reports with their own registered clients. • Upload content (including logos) that you do not have the right to use, or that infringes any third party's rights.

Advisors may register clients and run simulations on their behalf. Advisors are responsible for ensuring they have the necessary consent from each client to process the client's information using the Service, and for the accuracy of any inputs supplied. Advisors must not represent the Service's outputs as personalized financial advice unless they themselves are appropriately licensed to provide such advice in the relevant jurisdiction.

The Service, including its calculation engine, design, code, branding, and content, is owned by us or our licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms. Reports you generate using your own inputs remain yours; you grant us a limited license to process those inputs solely to provide and improve the Service.

The Service may integrate with or rely on third-party providers (e.g., for hosting, email, authentication, or analytics). We are not responsible for the practices of those third parties. Their use of your information is governed by their own terms and privacy policies.

The Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that calculations will be accurate for every user's specific circumstances.

To the maximum extent permitted by law, in no event will we, our affiliates, or our service providers be liable for any indirect, incidental, special, consequential, or punitive damages — including lost savings, lost profits, or loss of data — arising out of or related to your use of the Service, even if advised of the possibility of such damages. Our aggregate liability for any claim arising out of or related to the Service is limited to the amount you paid us, if any, in the 12 months preceding the event giving rise to the claim.

You agree to indemnify, defend, and hold us harmless from any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising out of your use of the Service, your breach of these Terms, or your violation of any law or third-party right.

We may suspend or terminate your access to the Service at any time, with or without notice, if we reasonably believe you have violated these Terms or applicable law, or to protect the security or integrity of the Service. You may stop using the Service and delete your account at any time. Provisions that by their nature should survive termination (such as intellectual property, disclaimers, limitation of liability, and dispute resolution) will continue in effect.

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date above and, where appropriate, notify you by email or in-app notice. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the jurisdiction in which we operate, without regard to conflict-of-law principles. Any disputes will be resolved in the courts of that jurisdiction, unless applicable consumer-protection law requires otherwise.

If you have questions about these Terms or need to give legal notice, please reach out via the Contact page.