Terms of Use

Interpretation and Definitions

Interpretation

Capitalized words have defined meanings as set out below. These definitions apply whether the terms appear in singular or plural.

Definitions

For the purposes of these Terms of Use:

• Account means an optional account You may create, using an email address or a supported sign-in (such as Google), to store and sync Your plans across devices. You may also use the Service without an account, in which case Your plan is stored only in Your browser on Your Device.
• Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
• Company (referred to as "the Company", "We", "Us", or "Our") refers to retirementfigures.com.
• Content refers to data, text, or other information that You enter, upload, or otherwise provide through the Service, including retirement planning inputs and financial assumptions.
• Country refers to the United States of America.
• Device means any device that can access the Service, such as a computer, phone, or tablet.
• Feedback means feedback, suggestions, or ideas sent by You regarding the attributes, performance, or features of the Service.
• Service refers to the Website and the retirement planning application provided through it.
• Terms of Use (also referred to as "Terms") mean these Terms of Use that form the entire agreement between You and the Company regarding the use of the Service.
• Website refers to retirementfigures.com, accessible at https://retirementfigures.com.
• You means the individual accessing or using the Service.

Acknowledgment

These are the Terms of Use governing the use of this Service and the agreement that operates between You and the Company. These Terms set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms. If You disagree with any part of these Terms then You may not access the Service.

You represent that You are at least 18 years of age. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with Our Privacy Policy, which describes Our policies and procedures on the collection, use, and disclosure of Your personal information. Please read Our Privacy Policy carefully before using the Service.

Accounts (Optional)

An account is optional. You may use the Service without one, in which case it runs entirely in Your browser and Your plan and any planning data You enter are stored on Your own Device (in Your browser's local storage), not on Our servers. Without an account, You are responsible for Your locally-stored data, including keeping Your own backups; clearing Your browser data, using a different browser or Device, or browser limits on local storage may remove Your data, and We cannot recover it.

You may also create an account, using an email address or a supported sign-in (such as Google), to store Your plans on Our servers and access them across devices. If You create an account, You are responsible for safeguarding Your credentials and for any activity that occurs under Your account, You agree not to share Your credentials with unauthorized third parties, and You should notify Us of any unauthorized use. Planning data You enter is not verified or validated by Us.

You may optionally encrypt Your cloud plans with a separate encryption passphrase that only You know. If You enable encryption, You are solely responsible for remembering Your passphrase and for keeping Your own backups. Because We never receive Your passphrase, We cannot reset, recover, or bypass it, and if You lose it Your encrypted plans cannot be recovered by Us or by anyone else; Your only means of recovery in that case is a plain (unencrypted) backup file You have exported from the Service. See Our Privacy Policy for how encryption works.

If You purchase a subscription, You are responsible for safeguarding any license key issued to You.

Your Content

You retain ownership of the Content You provide through the Service, including Your retirement planning inputs, financial data, and other information You enter.

If You use the Service without an account, Your Content is stored only on Your own Device (in Your browser's local storage); it is not uploaded to or stored by the Company, We do not access it, and keeping backups (for example, via the export feature) is Your responsibility. If You create an account, You grant the Company a limited, non-exclusive license to host, store, process, reproduce, and use Your Content solely as needed to operate, maintain, secure, support, and improve the Service; this license ends when Your Content is deleted from the Service, subject to any retention described in Our Privacy Policy. If You use the sharing feature, You additionally authorize the Company to make the plan You choose available to the people You name, in the way described in Sharing Plans below.

Sharing Plans

The Service lets You give another person access to a plan by entering their email address. When You do, that person can see everything in that plan, and if You give them editing access they can also change it. They cannot see Your other plans and cannot pass the plan on to anyone else. You choose what each person may do, You can change it, and You can remove their access at any time.

You decide who gets access, and You are responsible for that decision. Only enter the address of someone You intend to give access to and who will expect to hear from You; the invitation feature may not be used to send unwanted messages. If the plan contains information about another person - a spouse or partner, for example - You are responsible for having their agreement to share it.

Removing access does not undo what was already seen. Ending a share stops future access and future changes from that person; it cannot retrieve anything they already read, wrote down, or copied. Please share with that in mind.

If someone shares a plan with You, that access is personal to You. Treat what You see as confidential to them: do not redistribute it or use it for any purpose beyond the one they shared it for, and remember that they can withdraw it at any time. If You are given editing access, any change You make is a change to their plan.

Content that another person enters into Your plan is Your Content for the purposes of these Terms, and the Company does not verify or validate it any more than it verifies data You enter Yourself. You remain responsible for the plan and for any decisions taken on the strength of it.

Sharing requires a Plus subscription for the person doing the sharing only. The people You share with need nothing but a free account, and the plan keeps its Plus features for them while Your subscription is active. Using the sharing feature in this way is a permitted use of Your subscription and is not the sharing, transfer, or sublicensing of a subscription or license key described under Subscriptions and Billing.

Access to Features

Features of the Service are subject to availability and may be discontinued, modified, or restricted at the sole discretion of the Company at any time. You understand and agree that access to any feature does not guarantee continued access or support, and the Company reserves the right to limit or remove features without prior notice.

Subscriptions and Billing

Core features of the Service are free to use. Additional features ("Plus") require a paid subscription. By starting a Plus subscription or free trial, You agree to the billing terms in this section. Payments are processed by our payment processor (Stripe); see Our Privacy Policy for how billing information is handled.

Pricing and billing periods

Plus is offered on a recurring basis in the billing options shown on the Pricing page (currently an annual plan and a 3-month plan). The price shown at checkout, plus any applicable taxes, is charged at the start of each billing period. Founding-member pricing, where offered, stays in effect for as long as Your subscription remains continuously active. A limited-time promotional discount works differently: unless the offer states otherwise, it applies to Your first billing period only, and the subscription then renews at the standard price shown on the Pricing page. The price You will be charged at renewal is shown before You buy.

Free trial

Where a free trial is offered (currently a 7-day trial on the annual plan), a valid payment method is required to begin it. You are not charged during the trial. If You do not cancel before the trial ends, the subscription automatically converts to a paid subscription and Your payment method is charged for the first billing period. Trials are limited to one per person and may not be available to all users. The 3-month plan does not include a trial and begins as a paid subscription immediately.

Automatic renewal

Plus subscriptions renew automatically at the end of each billing period - annually for the annual plan and every three months for the 3-month plan - at the then-current price for Your subscription, unless You cancel before the renewal date. We send a reminder email before each renewal. By subscribing, You authorize Us, through our payment processor, to charge Your payment method on a recurring basis until You cancel.

Cancellation

You may cancel at any time from the Subscription page in the planner or through the "Manage billing" option, which opens our payment processor's billing portal. Cancellation stops the next renewal; You keep Plus access through the end of the period You have already paid for, after which the Service reverts to the Free tier. Canceling does not delete Your plan data.

Refunds

Except where required by law, payments are non-refundable, and We do not provide prorated refunds for unused time within a billing period. If You are charged on a renewal and contact Us promptly at support@retirementfigures.com, We will review the request and try to be reasonable about accidental renewals and billing errors.

Your license key

A Plus subscription is licensed to You for Your own personal, individual use and is not transferable. You are responsible for keeping Your license key confidential, and You may not sell, share, sublicense, or publish it. Giving another person access to one of Your plans through the sharing feature is not a transfer or sharing of Your subscription, and is permitted (see Sharing Plans above). To prevent sharing, We may monitor or limit the number of devices or installations that activate a single license key, and We may suspend a key We reasonably believe is being shared or misused.

No Financial Advice

The projections, probability estimates, and other outputs generated by this Service are hypothetical, based solely on user-provided inputs and assumptions, and do not reflect actual investment results or performance. They are provided for informational and educational purposes only.

Nothing on this Service constitutes financial, investment, tax, legal, or other professional advice. The Company is not a registered investment adviser, broker-dealer, or financial planner. You should not rely on any output of this Service as the basis for any financial or investment decision.

Past performance and modeled scenarios are not guarantees of future outcomes. All projections involve uncertainty and risk, and actual results may differ materially from those shown. You are strongly encouraged to consult a qualified financial professional before making any financial decisions.

Permitted Use / Prohibited Commercial and Professional Use

You may use the Service for Your own personal, individual retirement planning purposes.

You may not use the Service:

• on behalf of, or for the benefit of, clients or other third parties;
• as part of a financial advisory, wealth management, retirement planning, consulting, coaching, or similar professional practice or service;
• to provide reports, projections, recommendations, or planning services to third parties;
• to resell, sublicense, redistribute, or share access to the Service, other than by sharing one of Your own plans as described in Sharing Plans above;
• to build or support a competing product or service;
• to systematically extract, scrape, or copy data or content from the Service.

The Service is intended for individual personal use only and is not licensed for commercial or professional use.

Two things are expressly permitted despite the above. You may share one of Your own plans with another person, including a professional adviser You have engaged, as described in Sharing Plans. And a person given access that way may open and work on that plan. Someone who is a professional in their own right is a guest on the plan of the individual who shared it with them; the restrictions above continue to apply to using the Service to create, maintain, or deliver plans for Your own clients, whether under Your account or by asking clients to share theirs with You in bulk.

Intellectual Property

The Service and its original content (excluding Content provided by You), features, and functionality are and will remain the exclusive property of the Company and its licensors.

The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

Your Feedback to Us

You grant Us the right to use any Feedback You share to improve the Service. We have no obligation to act on Feedback, and You retain ownership of anything You send Us.

Links to Other Websites

Our Service may contain links to third-party websites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that the Company shall not be responsible or liable for any damage or loss caused by or in connection with the use of or reliance on any content, goods, or services available on or through any such websites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party websites or services that You visit.

Termination

If You use the Service without an account, there is nothing for Us to terminate or suspend and We do not hold Your plan data; You can remove it at any time using the "Delete all local data" option in the Service, or by clearing Your browser's storage for this site. If You have an account, We may suspend or terminate it, and the data stored under it, without prior notice or liability for any reason, including if You breach these Terms; You may delete Your account and its data using the account management options in the Service or by contacting Us at info@retirementfigures.com.

We may also discontinue, modify, or restrict the Service or its features at any time. If You have a subscription, You can cancel it through the billing portal. See Our Privacy Policy for details on data retention and deletion.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of these Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, or otherwise in connection with any provision of these Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

"AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice.

Without limiting the foregoing, neither the Company nor any of the Company's providers makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or communications sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. In such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Assignment

The Company may assign or transfer these Terms, and any rights and obligations under them, in connection with a merger, acquisition, financing, sale of assets, or sale of the business, or to any Affiliate or successor entity, without Your prior consent. You may not assign or transfer Your rights or obligations under these Terms without the Company's prior written consent.

Governing Law

The laws of the Country, excluding its conflicts of law rules, shall govern these Terms and Your use of the Service. Your use of the Service may also be subject to other local, state, national, or international laws.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Changes to These Terms

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material, We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use the Service after those revisions become effective, You agree to be bound by the revised Terms. If You do not agree to the new Terms, please stop using the Service.

Contact Us

If you have any questions about these Terms of Use, contact us at info@retirementfigures.com.