1. Acceptance of Terms
By accessing and using RetireCalc (referred to as the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you must immediately cease all use of the Website.
2. Website Usage & Purpose
RetireCalc is a free, publicly accessible financial education website. The materials, content, and calculators provided on this Website are strictly for informational and educational purposes. You may use this Website for your personal, non-commercial planning only.
3. Calculator Projections & Limitations
All calculations, projections, and charts generated by the RetireCalc calculator are mathematical estimates based on user-supplied variables and standard financial formulas. They are for illustrative purposes and do not represent guaranteed or real future results. We make no representations or warranties, express or implied, regarding the accuracy, completeness, or reliability of any calculations.
4. Intellectual Property
The layout, design, calculations, JavaScript logic, stylesheets, blog articles, and educational materials contained on this Website are the exclusive intellectual property of RetireCalc and are protected by applicable trademark, copyright, and database laws. You may not copy, reproduce, distribute, scrape, or modify any portion of the Website without express written permission.
5. Limitation of Liability
RetireCalc and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use, misuse, or inability to use the Website, the calculator, or any associated educational materials. This includes, but is not limited to, losses incurred from investment actions, financial decisions, tax liabilities, or reliance on information presented here.
6. General Financial Disclaimer
RetireCalc is not a registered investment advisor, certified financial planner (CFP), or broker-dealer. The content on the Website does not constitute financial, investment, legal, or tax advice. You should always consult with a licensed professional before making significant financial commitments. Please refer to our complete Financial Disclaimer for further information.
7. Links to External Sites
Our Website and blog posts contain links to external third-party websites (such as government portals, official statistics databases, or regulatory bodies). We do not control or endorse the content, policies, or practices of these third-party platforms and are not responsible for their availability or security.
8. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the State of New York, USA, without regard to its conflict of law principles. Any dispute arising under these terms shall be subject to the exclusive jurisdiction of the state and federal courts in New York.
9. Changes to Terms
We reserve the right to modify these Terms of Service at any time. When changes are made, we will update the "Last Updated" timestamp at the bottom of this page. Your continued use of the Website after modifications are posted constitutes acceptance of the updated terms.
10. Contact Information
If you have any questions, comments, or legal inquiries regarding these Terms of Service, please contact us at contact@retirecalc.com.
Last updated: July 2026