Terms of Service

Welcome to RetireNumber. By accessing or using our service, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By creating an account or using RetireNumber, you agree to these Terms of Service, our Privacy Policy and our Cookie Policy. If you do not agree, do not use our service.

We may update these Terms from time to time. Your continued use of the service after any changes constitutes acceptance of the new Terms.

2. Description of Service

RetireNumber is a retirement planning tool that helps you project and analyze your path to retirement. The service includes:

• Retirement projections based on user-provided data
• Monte Carlo simulations and historical backtesting
• Scenario comparison and analysis tools
• Social Security optimization calculations
• Tax planning and withdrawal strategy tools

3. Important Disclaimer - Not Financial Advice

The projections, calculations and analyses provided by RetireNumber:

• Are for informational and educational purposes only
• Should not be relied upon as the sole basis for any financial decisions
• Do not account for all factors that may affect your actual financial situation
• Are based on assumptions and historical data that may not reflect future performance
• Are not a guarantee of future results

Always consult with a qualified financial advisor, tax professional or other appropriate professional before making any financial decisions. Past performance does not guarantee future results.

4. Account Registration

To use certain features, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access
• Be at least 18 years old

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent or abusive behavior.

5. Communications

By creating an account, you agree to receive transactional emails related to your account (e.g., password resets, billing receipts and critical service notifications). These communications are necessary for the operation of your account and cannot be opted out of while your account is active.

We may also send you promotional emails, product updates, newsletters and other marketing communications related to RetireNumber. You can opt out of marketing emails at any time by:

• Clicking the "unsubscribe" link in any marketing email
• Contacting us at [email protected]

Please allow up to 10 business days for your opt-out request to be processed. Opting out of marketing emails will not affect transactional communications.

6. Subscription and Payments

Free Tier

RetireNumber offers a free tier with limited features. No payment information is required for the free tier.

Pro Subscription

Pro features require a paid subscription. By subscribing, you agree to:

• Pay all applicable fees as described at the time of purchase
• Provide accurate billing information
• Authorize recurring charges for your subscription period

Billing

• Monthly subscriptions are billed monthly on the anniversary of your start date
• Annual subscriptions are billed yearly on the anniversary of your start date
• Lifetime access is a one-time payment with no recurring charges

Cancellation and Refunds

• You may cancel your subscription at any time from your account settings
• Cancellation takes effect at the end of your current billing period
• We do not provide refunds for partial subscription periods
• Lifetime purchases are non-refundable after 14 days

7. User Responsibilities

You are responsible for:

• The accuracy of all data you enter into the service
• Keeping your account credentials secure
• Using the service in compliance with all applicable laws
• Not using the service for any illegal or unauthorized purpose

8. Prohibited Uses

You may not:

• Use the service to provide financial advice to others without proper credentials
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use automated systems (bots, scrapers) to access the service without permission
• Reverse engineer, decompile or disassemble any part of the service
• Redistribute, sublicense or resell the service
• Use the service in any way that could harm, disable or impair it
• Upload malicious code or content

9. Intellectual Property

RetireNumber and its original content, features and functionality are owned by RetireNumber and are protected by copyright, trademark and other intellectual property laws.

You may not copy, modify, distribute, sell or lease any part of our service without prior written permission.

10. User Data

You retain ownership of the data you enter into RetireNumber. By using the service, you grant us a limited license to use your data solely to provide and improve the service.

We will not sell your data to third parties. See our Privacy Policy for details on how we handle your information.

11. Service Availability

We strive to provide reliable service, but we do not guarantee uninterrupted access. The service may be temporarily unavailable due to:

• Maintenance and updates
• Technical issues or outages
• Events beyond our control

We are not liable for any loss or damage resulting from service interruptions.

12. Limitation of Liability

To the maximum extent permitted by law, RetireNumber and its officers, directors, employees and agents shall not be liable for:

• Any indirect, incidental, special, consequential or punitive damages
• Any loss of profits, data or goodwill
• Any financial losses resulting from reliance on the service
• Any damages exceeding the amount you paid us in the past 12 months

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

13. Disclaimer of Warranties

The service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the service will be uninterrupted, error-free or secure
• Warranties regarding the accuracy or reliability of projections and calculations

14. Indemnification

You agree to indemnify and hold harmless RetireNumber and its officers, directors, employees and agents from any claims, damages, losses or expenses arising from:

• Your use of the service
• Your violation of these Terms
• Your violation of any rights of another party
• Financial decisions made based on information from the service

15. Termination

We may terminate or suspend your account at any time for any reason, including violation of these Terms. Upon termination:

• Your access to the service will cease immediately
• We may delete your account data (with reasonable notice if possible)
• Provisions of these Terms that by their nature should survive will remain in effect

You may terminate your account at any time by deleting it from your account settings or contacting us at [email protected].

16. Governing Law

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

17. Dispute Resolution

Any disputes arising from these Terms or your use of the service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Delaware, and the arbitrator's decision shall be final and binding.

You agree to waive any right to a jury trial and to participate in class action lawsuits against RetireNumber.

18. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and RetireNumber regarding your use of the service.

20. Contact Us

If you have any questions about these Terms, please contact us:

• Email: [email protected]