Terms of Service

Effective Date: January 1, 2024 | Last Updated: January 1, 2024

Important Legal Disclaimer

The calculations and information provided by this retirement calculator are for educational and illustrative purposes only. Results are estimates based on the assumptions you provide and should not be considered as financial advice, investment recommendations, or guarantees of future performance. Past performance does not indicate future results. Please consult with qualified financial advisors, tax professionals, and estate planning attorneys before making any financial decisions.

1. Agreement to Terms

By accessing or using RetireCalc ("the Service") operated by RetireCalc ("we," "us," or "our") at retirement-calculator.app, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you do not have permission to access the Service.

These Terms apply to all visitors, users, and others who access or use the Service. We reserve the right to update these Terms at any time without prior notice. Your continued use of the Service following any changes constitutes acceptance of those changes.

2. Use License and Restrictions

Permitted Use

We grant you a limited, non-exclusive, non-transferable license to:

  • Access and use the Service for personal, non-commercial purposes
  • Use the retirement calculator for your own financial planning
  • Print or download content for personal reference
  • Share calculator results with your financial advisors

Prohibited Use

You may NOT:

  • Use the Service for any illegal or unauthorized purpose
  • Provide financial advice to others based solely on our calculator
  • Scrape, copy, or redistribute our content without permission
  • Attempt to reverse engineer or hack the Service
  • Use the Service to transmit malware or harmful code
  • Impersonate others or provide false information
  • Violate any applicable laws or regulations

3. Financial Disclaimer and Limitations

NO FINANCIAL ADVICE

RetireCalc does not provide financial, investment, tax, legal, or accounting advice.The Service is for informational purposes only. The information provided:

  • Is not personalized advice tailored to your specific situation
  • Should not be the sole basis for any financial decision
  • May not reflect current market conditions or regulations
  • Does not consider your complete financial picture
  • Cannot predict future market performance or economic conditions

ALWAYS CONSULT WITH QUALIFIED PROFESSIONALS before making retirement, investment, tax, or estate planning decisions.

4. Accuracy and Completeness

While we strive to provide accurate and up-to-date information, we make no warranties or representations about the accuracy, reliability, completeness, or timeliness of any content. The Service may contain:

  • Technical, typographical, or calculation errors
  • Outdated information due to changing laws or market conditions
  • Simplified assumptions that don't reflect complex realities
  • General information that may not apply to your situation

Your Responsibility: Verify all information independently and ensure calculations align with your actual financial situation before making decisions.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

IN NO EVENT SHALL RETIRECALC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

  • Loss of profits, data, use, goodwill, or other intangible losses
  • Investment losses or poor financial outcomes
  • Errors in calculations or projections
  • Decisions made based on the Service's information
  • Unauthorized access to or alteration of your data
  • Any other losses related to your use of the Service

OUR TOTAL LIABILITY SHALL NOT EXCEED $100 OR THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS, WHICHEVER IS GREATER.

6. Indemnification

You agree to defend, indemnify, and hold harmless RetireCalc and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.

7. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of RetireCalc and its licensors. The Service is protected by:

  • Copyright laws
  • Trademark laws
  • Trade secret laws
  • International intellectual property treaties

Our trademarks and trade dress may not be used without our prior written permission.

8. User Content and Feedback

By submitting suggestions, feedback, or other communications to us, you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, publish, and distribute such content for any purpose.

You represent and warrant that you own or control all rights to the content you submit and that such content does not violate these Terms or any applicable laws.

9. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of information as described in the Privacy Policy.

10. Third-Party Links and Services

The Service may contain links to third-party websites or services that are not owned or controlled by RetireCalc. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

Note: We may receive compensation from third-party financial service providers mentioned on our site. This does not influence our calculator results or educational content.

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

12. Disclaimers

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Implied warranties of merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy or reliability of information
  • Uninterrupted or error-free operation

13. Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions.

Arbitration

Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with the American Arbitration Association's rules. The arbitration shall be conducted in New York, New York.

Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that comes closest to the intent of the original.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and RetireCalc regarding the use of the Service and supersede any prior agreements.

16. Contact Information

For questions about these Terms of Service, please contact us:

  • Email: legal@retirement-calculator.app
  • Phone: +86 755-8888-8888
  • Location: Shenzhen, China
  • Business Type: Virtual Products and Services Only
  • Website: Contact Form

Note: We operate exclusively online and provide virtual financial planning tools. We do not maintain a physical office for public visits.

By using RetireCalc, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree, please discontinue use of the Service immediately.