Terms of Use - DIY Retirement Tools

Acceptance of Terms

By accessing and using DIY Retirement Tools ("the Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our website or services.

Important Disclaimer - Not Financial Advice

THE INFORMATION AND TOOLS PROVIDED ON THIS WEBSITE ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE.

Our portfolio calculators, rebalancing tools, withdrawal planners, and projection tools are designed to help you explore and understand financial concepts. They should not be relied upon as the sole basis for making financial decisions.

You should consult with a qualified financial advisor, tax professional, or other appropriate professional before making any investment or financial planning decisions.

Description of Services

DIY Retirement Tools provides free online financial planning tools including:

Portfolio Rebalancer: A calculator to help visualize how to rebalance investments across accounts
Portfolio Projections: Tools to project potential portfolio growth over time
Withdrawal Assistant: A calculator to explore retirement withdrawal strategies

These tools use the data you input and apply standard financial formulas. Results are estimates based on hypothetical scenarios and assumptions that may not reflect actual market conditions.

No Guarantees

We make no guarantees about:

The accuracy, completeness, or reliability of calculations
Future investment performance or returns
The suitability of any strategy for your personal situation
Tax implications of any financial decisions
The continuous availability of our services

Past performance does not guarantee future results. All investments involve risk, including the potential loss of principal.

User Responsibilities

When using our tools, you agree to:

Provide accurate information for calculations
Understand that results are estimates, not guarantees
Seek professional advice before making financial decisions
Take responsibility for your own financial choices
Not rely solely on our tools for important financial decisions
Keep your locally stored data secure

Data and Privacy

Your portfolio data is stored locally in your browser. We do not collect, store, or have access to your financial information. For more details about data practices, please review our Privacy Policy.

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of DIY Retirement Tools or its content suppliers and is protected by copyright laws. You may use the tools for personal, non-commercial purposes only.

You may not:

Copy, modify, or distribute our content without permission
Use our tools for commercial purposes without authorization
Reverse engineer or attempt to extract source code
Remove any copyright or proprietary notices

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DIY RETIREMENT TOOLS AND ITS OWNERS, OPERATORS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

Any financial losses resulting from use of our tools
Errors or inaccuracies in calculations
Decisions made based on information from this website
Technical issues, interruptions, or data loss
Any indirect, incidental, special, or consequential damages

Your use of this website is at your own risk.

Third-Party Links and Advertising

Our website may contain links to third-party websites and displays advertisements from Google AdSense. We are not responsible for the content, privacy practices, or terms of these third-party sites. Clicking on advertisements or links is at your own risk.

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

Termination

We reserve the right to terminate or restrict access to our services at any time, without notice, for any reason.

Governing Law

These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

Contact Information

If you have questions about these Terms of Use, please contact us.