Terms of Service

Last updated: January 6, 2026

1. Acceptance of Terms

By accessing and using RetirementPond ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

2. NO FINANCIAL ADVICE

RetirementPond is an educational and informational tool designed to provide hypothetical projections based on user-provided data. We do not provide financial, investment, tax, or legal advice. The Service is not a substitute for professional advice from a qualified financial advisor, CPA, or attorney. Always seek the advice of a professional before making significant financial decisions.

3. Accuracy of Projections

Projections generated by the Service are based on mathematical models and assumptions. Actual results will vary based on market conditions, inflation, tax law changes, and other factors. We make no guarantees regarding the accuracy, completeness, or reliability of any projections provided.

4. User Responsibilities

You are responsible for the accuracy of the data you input into the Service. You are also responsible for maintaining the confidentiality of your account credentials. You agree to use the Service for lawful purposes only.

5. Limitation of Liability

To the maximum extent permitted by law, RetirementPond and its operators shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of the Service or the decisions you make based on its output. The Service is provided on an "as-is" and "as-available" basis.

6. Modifications to Service

We reserve the right to modify or discontinue the Service at any time without notice. We may also update these Terms from time to time. Your continued use of the Service constitutes acceptance of the updated Terms.

7. Contact

For questions regarding these Terms, please contact us at support@retirementpond.com.