Terms of Use

Acceptance of these terms

These Terms of Use govern your access to and use of retireforever.org and its calculator, content, simulations, and related features (collectively, the "Website"). By using the Website, you agree to these Terms. If you do not agree, do not use the Website.

Educational use only

The Website is provided for educational and informational purposes only. It does not provide financial, investment, tax, accounting, or legal advice and does not recommend any security, investment product, asset allocation, withdrawal amount, or course of action for a particular person.

Use of the Website does not create an adviser-client, fiduciary, professional, or other special relationship. Consider consulting qualified professionals familiar with your circumstances before making financial decisions.

Hypothetical results and model limitations

Results are estimates and hypothetical illustrations based on historical data, mathematical models, assumptions, and information you provide. Historical performance does not predict or guarantee future results. Actual taxes, fees, investment returns, inflation, income, spending, timing, laws, and personal circumstances may differ materially from the assumptions used by the Website.

A result described as successful means only that it met the model's stated conditions. It does not guarantee that a retirement plan will succeed or that money will not be depleted in real life.

Your responsibility

You are responsible for evaluating inputs, assumptions, outputs, risks, and whether any information is appropriate for your circumstances. You are also responsible for independently verifying results before relying on them. Do not submit sensitive identifying or account information to the calculator.

No warranties

To the fullest extent permitted by law, the Website is provided "as is" and "as available," without warranties of any kind, express or implied. We do not warrant that the Website will be uninterrupted, error-free, complete, current, secure, or suitable for any particular purpose, or that calculations or third-party data will be accurate.

Limitation of liability

To the fullest extent permitted by law, Retire Forever and the Website's operator will not be liable for losses, damages, claims, or expenses arising from or related to your use of, inability to use, or reliance on the Website, including financial decisions, investment losses, lost data, or indirect, incidental, special, consequential, or punitive damages.

Some jurisdictions do not allow certain warranty exclusions or liability limitations, so portions of these provisions may not apply to you.

Third-party data and services

The Website may rely on or refer to third-party data, software, websites, and services. We do not control and are not responsible for their availability, accuracy, content, security, or privacy practices. References do not necessarily constitute endorsement.

Acceptable use

You may not misuse the Website, interfere with its operation or security, attempt unauthorized access, introduce malicious code, use automated traffic that unreasonably burdens the service, or use the Website unlawfully. We may restrict access when reasonably necessary to protect the Website or others.

Intellectual property

The Website's original design, text, graphics, code, and organization are protected by applicable intellectual-property laws. Third-party names, methodologies, data, and marks remain the property of their respective owners. These Terms do not transfer ownership rights to you.

Changes and availability

We may change, suspend, or discontinue any part of the Website and may update these Terms. The effective date at the top identifies the current version. Continued use after an update constitutes acceptance of the revised Terms.

Governing law and severability

These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles. If any provision is found unenforceable, the remaining provisions will remain in effect to the extent permitted by law.

Contact

Questions about these Terms may be sent to retireforevercontact@gmail.com.