Terms of Use

RetireWise — Last updated April 3, 2026

1. Acceptance of Terms

By downloading or using RetireWise ("the App"), you agree to these Terms of Use. If you do not agree, do not use the App.

2. Not Financial Advice

The App is an educational planning tool only. Nothing in the App constitutes financial, investment, tax, or legal advice. All projections are hypothetical illustrations based on the assumptions you enter and standard financial models (the 5-year bucket strategy, nominal return estimates, and inflation adjustments). Actual future returns, inflation, and life circumstances will differ.

You should consult a qualified financial advisor, tax professional, or attorney before making any retirement planning decisions.

3. No Warranty

The App is provided "as is" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the App will be error-free, accurate, or uninterrupted.

4. Limitation of Liability

To the maximum extent permitted by applicable law, the developer shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from your use of, or inability to use, the App — including but not limited to financial losses resulting from reliance on projections generated by the App.

5. Accuracy of Projections

Projections are based on:

Market returns are volatile and unpredictable. Past performance is not indicative of future results. Sequence-of-returns risk, taxes, healthcare costs, and other real-world factors are not fully modeled.

6. Intellectual Property

All content, design, and source code in the App are the property of the developer. You may not copy, redistribute, or create derivative works without explicit written permission.

7. Governing Law

These Terms are governed by the laws of the United States. Any disputes shall be resolved in a court of competent jurisdiction in the United States.

8. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the App constitutes acceptance of revised Terms.

9. Contact

Questions about these Terms can be sent via the GitHub issues page.