Terms of Service

Last updated: September 30, 2026 (version 2026-09-30.2)

These Terms of Service (the “Terms”) govern your access to and use of Retirement Forecaster (the “Service”), a web-based financial projection tool operated by Data Accepted LLC (“Company,” “we,” “us,” or “our”). By creating an account, purchasing access, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Who may use the Service

You must be at least 18 years old and able to form a binding contract to use the Service. The Service models United States retirement and Social Security rules and is offered only to residents of the United States. By using it, you represent that you are a US resident and are not accessing or purchasing it as a consumer located in the European Union, European Economic Area, or United Kingdom. The Service is offered for personal, individual use. You are responsible for keeping your login credentials confidential and for all activity under your account. Notify us promptly if you believe your account has been accessed without your authorization.

2. What the Service does

The Service runs a month-by-month simulation of personal finances — debt payoff, savings accumulation, and retirement withdrawal — based entirely on the figures and assumptions you enter. The simulation runs until you (or, for a couple, the younger of you) reach the planning age shown in the Service, and for at least 10 years. It compounds monthly and shows you the resulting projection so you can explore how different choices might play out. The quality of any projection depends entirely on the accuracy of the inputs and assumptions you provide.

3. Not financial advice — estimates, not guarantees

This is the most important term in this document.

• The Service is an educational and informational tool only. It does not provide, and must not be construed as, personalized financial, investment, tax, retirement, insurance, legal, or accounting advice.
• We are not a registered investment adviser, broker-dealer, financial planner, tax preparer, or law firm, and no such professional relationship is created by your use of the Service.
• Every output is a projection built on assumptions — rates of return, inflation, tax rates, contribution levels, and dates that may not match reality. Actual markets, tax law, and life circumstances will differ, often substantially. Past or modeled performance does not predict future results.
• Social Security figures are the roughest estimates in the entire tool. Always verify your own numbers at ssa.gov. Spousal and survivor benefits are not modeled.
• Before making any financial decision, consult a qualified professional who can consider your complete situation. You are solely responsible for any decision you make, and for verifying the Service’s math against your own records and statements.

4. Purchase, access terms, and pricing

Two ways to buy. Access to the full Service is sold as either:

• Annual access — the full Service for twelve (12) months from the date of purchase.
• Lifetime access — the full Service with no end date, as described below.

The price of each is shown at checkout. Certain promotional or affiliate discount codes may reduce that price. Payments are processed by our third-party payment processor (Stripe); we do not receive or store your full card number. Applicable taxes may be added.

Senior price. Where offered, annual access is available at a lower senior price to people aged 65 or older, as shown at checkout. It is based on your own statement that you are 65 or older; we do not ask for proof at purchase. It cannot be combined with a promotional or affiliate discount code. If we later need to confirm eligibility, we may ask senior-price members to verify their age through a trusted third-party service. If you cannot verify, your current term still runs to its end, automatic renewal is turned off, and you may renew at the regular price. We will never charge a senior-price subscription a higher price at renewal without your agreement.

Annual access is a subscription and renews automatically. Unless you cancel first, we will charge the payment method you used, once every twelve months, on the anniversary of your purchase. The renewal price is the price you originally paid — if you bought at a discounted rate, that rate carries forward to every renewal. We will not raise the price of a subscription you are already in without telling you first.

Lifetime access is not a subscription. It is a single charge, it does not renew, and there is nothing to cancel.

Cancelling. You can turn off automatic renewal at any time from your account settings, in the same place and the same number of clicks it took to subscribe — no phone call, no email, no retention questionnaire. Cancelling stops the next charge. It does not end the term you have already paid for: your access continues to its normal end date, and it is not refunded or pro-rated. If you want your money back instead, see the Refund Policy — that is a different thing and it ends access immediately.

If a renewal payment fails — an expired or replaced card is the usual reason — we will not cut you off on the first failure. Our payment processor retries on its own schedule, and you keep your access for 14 days after the renewal date while it does. You can update your card at any time from your account settings. If a renewal has still not been collected after those 14 days, your access pauses until it is, or until you buy a new term.

When annual access ends (because you cancelled, or a renewal could not be collected), your access stops on the date shown in your account settings — or, for a renewal that could not be collected, 14 days after it. To come back, you may purchase another term at the price then in effect. Buying a new term while you still have time remaining adds to it rather than replacing it. While an annual membership is still renewing you cannot buy a second one — to move to lifetime access, switch off automatic renewal first; your paid term continues and the lifetime purchase adds to it.

What happens to your data when access ends. Your account and the scenarios you have saved are not deleted when a term expires. You can still sign in, and if you purchase another term your saved work is there as you left it. Full features are locked until you do. We may delete the financial figures in scenarios that have gone unused for at least twelve months after access ended, with notice, as described in our Privacy Policy; you may also ask us to delete your data at any time as described there.

“Lifetime” means for as long as the Company continues to operate the Service. It is not a guarantee that the Service will exist for the remainder of your life, and no one can honestly promise that. We may modify, suspend, or discontinue the Service at any time; if we ever permanently discontinue it, we will give reasonable advance notice and will handle refunds as described in our Refund Policy.

How a shutdown would work. If we ever decide to retire the Service, we will not simply switch it off. In order: we stop selling lifetime access as soon as retirement is under genuine consideration; on the day we announce, new sign-ups close and automatic renewals are turned off; every annual term already paid for runs to its normal end date, so no one loses time they paid for; and lifetime access continues at least as long as the last annual term. We will give reasonable advance notice throughout, and you will be able to export your saved scenarios. After the interactive Service closes we may keep a limited export-only facility available for a period, so you can still retrieve your own figures.

Price changes. Prices, features, and promotions may change at any time. A change never affects a term you have already paid for. If you buy another term later, it is at the price then in effect, which may be higher or lower than what you paid before.

Apart from the money-back window described in our Refund Policy, fees are non-refundable and access is not pro-rated.

5. Refunds

Refunds are governed by our Refund Policy, which is incorporated into these Terms by reference. In short: 30 days, no questions asked, two clicks — and each purchase, including a later renewal, has its own 30-day window.

6. Acceptable use

You agree not to:

• Share, resell, sublicense, or provide access to the Service to anyone else, or use one account on behalf of multiple people or an organization without our written permission;
• Copy, scrape, reverse-engineer, or attempt to extract the underlying models, source code, or calculation engine except to the limited extent the law permits despite this restriction;
• Interfere with, overload, or attempt to gain unauthorized access to the Service, other users’ accounts, or our systems;
• Use the Service for any unlawful purpose or in violation of these Terms.

7. Your content and inputs

You retain ownership of the financial figures, scenarios, and other information you enter (“Your Inputs”). You grant us a limited license to store and process Your Inputs solely to operate and improve the Service for you. How we handle this information is described in our Privacy Policy. You are responsible for the accuracy of Your Inputs; the Service cannot detect whether a number you entered is realistic.

8. Intellectual property

The Service, including its software, calculation engine, design, text, and branding, is owned by the Company and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your own personal use under these Terms. All rights not expressly granted are reserved.

9. Affiliate program

If you participate in our affiliate program, your participation is governed by the separate Affiliate Agreement you accept when you join, in addition to these Terms. Marketing the Service requires honest representation — affiliates may not describe the tool as guaranteed results or as personalized financial advice.

10. Disclaimer of warranties

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any projection will prove accurate. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

11. Limitation of liability

To the maximum extent permitted by law, the Company and its owners, members, and personnel will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, savings, data, or financial outcomes, arising out of or related to your use of — or reliance on — the Service, even if we have been advised of the possibility of such damages. In every case, our total aggregate liability for any claim relating to the Service will not exceed the total amount you have actually paid us for the Service. Because the Service is a projection tool you rely on at your own discretion, this limitation is a fundamental basis of our agreement with you.

12. Indemnification

You agree to indemnify and hold harmless the Company from any claims, losses, or expenses (including reasonable legal fees) arising out of your misuse of the Service, your violation of these Terms, or your violation of any law or the rights of a third party.

13. Termination

You may stop using the Service at any time. If you hold an annual subscription, turn off automatic renewal in your account settings and you will not be charged again; you keep access until the end of the term you have paid for.

We may suspend or terminate your access if you materially breach these Terms — for example, by sharing or reselling your account, attempting to compromise the Service, or repeatedly purchasing and refunding across accounts, cards, or devices.

If we end your access for any reason other than your breach, you keep the full term you have already paid for — it runs to its normal end date. What stops is the renewal, not the access you bought.

If you dispute a charge with your card issuer (a chargeback), we switch off automatic renewal at once so the same card is not charged again while the dispute is open. Your access is not changed by the dispute itself. If you would like to continue afterwards, you can purchase a new term.

14. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above and, for material changes, take reasonable steps to notify you. Changes are not retroactive. Your continued use of the Service after a change takes effect means you accept the revised Terms.

15. Governing law and dispute resolution (binding arbitration)

Please read this section carefully — it affects how disputes between you and the Company are resolved and requires them to be arbitrated rather than litigated in court.

• Governing law. These Terms are governed by the laws of the State of New Mexico, without regard to its conflict-of-laws rules, and, for arbitrable matters, by the Federal Arbitration Act.
• Talk to us first. Before starting arbitration, you agree to contact us at [email protected] and give us 30 days to try to resolve the matter informally.
• Binding individual arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved informally will be settled by final and binding arbitration, administered by a recognized arbitration provider (such as the American Arbitration Association (AAA) or JAMS) under its consumer arbitration rules then in effect. Judgment on the award may be entered in any court of competent jurisdiction. This is the sole and exclusive forum for such disputes.
• Seat. The arbitration is seated in the State of New Mexico and applies New Mexico law and the Federal Arbitration Act.
• Remote attendance is a right, not a privilege. Every participant — you, the Company, counsel, and witnesses — has the right to attend and participate in all proceedings remotely, by video or telephone, and no party may be required to appear in person. This guarantee is mutual and may not be waived or overridden by either party, so neither side can use the physical location of proceedings to gain an advantage over the other.
• Individual basis only. Disputes will be arbitrated only on an individual basis. You and the Company each waive any right to bring or participate in a class, collective, consolidated, or representative action, and the arbitrator may not preside over more than one person’s claims.
• Arbitration fees. The Company will pay any arbitration filing or administrative fees that exceed what it would have cost you to file the same claim in court, except for claims the arbitrator determines are frivolous. Each party otherwise bears its own attorneys’ fees and costs unless the applicable rules or law provide otherwise.
• Limits. Either party may still ask a court to enforce an arbitration award. Nothing in this section waives any right you may have that cannot be waived under the mandatory consumer-protection law of your home jurisdiction; where such law prohibits mandatory arbitration, that specific claim proceeds under that law and the rest of this section still applies.

16. Miscellaneous

These Terms, together with the Privacy Policy and Refund Policy, are the entire agreement between you and the Company regarding the Service. If any provision is found unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them to a successor in connection with a merger, acquisition, or sale of assets.

17. Contact

Questions about these Terms? Contact Data Accepted LLC at [email protected].