1. Acceptance of Terms

By accessing and using this retirement planning tool, you accept and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you may not use our service.

2. Description of Service

Our service provides:

• Retirement planning calculations and projections
• Monte Carlo simulation for portfolio analysis
• Net worth tracking and visualization
• Investment allocation recommendations
• Educational resources and AI-powered retirement tips

3. Not Financial Advice

IMPORTANT DISCLAIMER:

• This tool is for educational and informational purposes only
• We are not registered financial advisors, brokers, or investment professionals
• Projections are based on assumptions and historical data that may not reflect future results
• You should consult with qualified financial professionals before making investment decisions
• Past performance does not guarantee future results

4. User Responsibilities

You agree to:

• Provide accurate information for calculations
• Keep your account credentials secure
• Use the service lawfully and respectfully
• Not attempt to breach security or access unauthorized data
• Not use the service for any commercial purpose without permission

5. Limitation of Liability

This service is provided "as is" without warranties of any kind. We are not liable for any financial decisions you make based on information from this tool. We are not responsible for any losses, damages, or consequences arising from your use of this service.

6. Data Accuracy

While we strive for accuracy, we do not guarantee that all calculations, projections, or information are error-free. Market conditions, tax laws, and personal circumstances can significantly affect outcomes.

7. Intellectual Property

All content, features, and functionality of this service are owned by us and protected by copyright, trademark, and other intellectual property laws.

8. Account Termination

We reserve the right to terminate or suspend accounts that violate these terms or engage in abusive behavior. You may delete your account at any time.

9. Changes to Terms

We may modify these terms at any time. Continued use of the service after changes constitutes acceptance of the new terms.

10. Governing Law

These terms are governed by applicable laws. Any disputes will be resolved through binding arbitration.

Contact

Questions about these terms? Contact us at support@freefinancialplan.com