Terms of Service

Calculator Limitations

• • Estimates Only: All calculations provide estimates based on assumptions and historical data
• • No Guarantees: Past performance does not guarantee future results
• • Individual Circumstances: Your actual results may vary significantly from projections
• • Market Risk: Investment returns are subject to market volatility and economic changes
• • Inflation Impact: Future purchasing power may differ from current estimates

Not Financial Advice

We are not licensed financial advisors, and our calculators do not constitute personalized financial planning advice. The tools provide general information that may not be suitable for your specific financial situation, risk tolerance, or investment objectives.

Permitted Uses

• ✓ Personal financial planning and education
• ✓ Academic research and educational purposes
• ✓ General exploration of FIRE concepts and strategies
• ✓ Sharing results for discussion in financial communities
• ✓ Using calculators as starting points for professional consultations

Prohibited Uses

• ✗ Providing financial advice to others based solely on calculator results
• ✗ Commercial redistribution or resale of calculator functionality
• ✗ Attempting to reverse engineer or copy our calculation methods
• ✗ Using results to make investment guarantees or promises to clients
• ✗ Automated scraping or bulk data extraction from our website

Attribution Requirements

If you share or reference our calculator results:

• • Include attribution to "FIRE Calculator" with a link to our website
• • Clearly state that results are estimates for educational purposes
• • Include disclaimers about seeking professional financial advice
• • Do not present results as guaranteed financial outcomes

Limitation of Damages

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• • Use or inability to use our calculators
• • Investment decisions based on calculator results
• • Financial losses or missed investment opportunities
• • Errors, omissions, or inaccuracies in calculations
• • Technical issues or website downtime
• • Changes to financial markets or regulations

User Responsibility

Our Content

The FIRE Calculator website, including its design, functionality, content, and calculation methodologies, is protected by copyright and other intellectual property laws.

• • Website design and user interface elements
• • Educational content and explanations
• • Calculation algorithms and formulas
• • Branding, logos, and visual elements

Limited Use License

We grant you a limited, non-exclusive, non-transferable license to:

• • Access and use our calculators for personal purposes
• • Print or save calculator results for your records
• • Share results with your financial advisors
• • Reference our methodology in academic or educational contexts

This license is revocable and may be terminated if you violate these terms.

Restrictions

Without written permission, you may not:

• • Copy, modify, or redistribute our calculator code
• • Create derivative works based on our calculators
• • Use our content for commercial purposes
• • Remove or alter copyright notices or attributions
• • Incorporate our calculators into other websites or applications

Service Changes

We reserve the right to modify, suspend, or discontinue any aspect of our service at any time without notice. This includes calculator functionality, website features, and availability.

Terms Updates

We may update these Terms of Service to reflect changes in our practices, legal requirements, or service offerings. Material changes will be prominently displayed on our website.

Termination

We may terminate or restrict your access to our services at any time for violation of these terms or for any other reason at our discretion.