Terms of Service

Effective Date: April 9, 2026

1. Acceptance of Terms

By accessing or using RetireStack.ai (the "Service"), operated by RetireStack ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service. We reserve the right to update these Terms at any time, and your continued use of the Service after any changes constitutes your acceptance of the revised Terms.

2. Description of Service

RetireStack provides retirement planning tools and informational resources, including:

The Service is provided for informational and educational purposes only. RetireStack does not provide financial, investment, tax, or legal advice. Please refer to our AI & Financial Disclaimer for more details.

3. User Responsibilities

When using the Service, you agree to:

4. Intellectual Property

All content, features, and functionality of the Service — including but not limited to text, graphics, logos, icons, images, software, calculator algorithms, and the overall design — are the exclusive property of RetireStack or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the Service without our prior written consent. The "RetireStack" name, logo, and associated branding are trademarks of RetireStack. Use of these marks without our permission is prohibited.

5. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy.

RetireStack is not a financial advisor, registered investment advisor, broker-dealer, or licensed financial professional. The calculator outputs, newsletter content, and all other materials provided through the Service are for informational and illustrative purposes only and should not be construed as financial, investment, tax, legal, or professional advice. Retirement planning involves complex financial decisions, and you should consult with qualified professionals before making any financial decisions.

We do not guarantee that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components. Calculator results are based on simplified mathematical models and assumptions (such as a 6% annual growth rate and a 4% withdrawal rate) that may not reflect actual market conditions or your individual circumstances.

6. Limitation of Liability

To the fullest extent permitted by law, RetireStack, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, savings, or goodwill — arising out of or in connection with your use of or inability to use the Service, even if we have been advised of the possibility of such damages.

In no event shall our total liability to you for all claims arising from or related to the Service exceed the amount you paid us (if any) in the twelve (12) months preceding the event giving rise to the liability. If you have not paid us anything, our maximum aggregate liability shall be fifty US dollars ($50).

7. Third-Party Links and Services

The Service may contain links to third-party websites, services, or resources that are not owned or controlled by RetireStack. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. Your use of any third-party website or service is at your own risk and subject to that third party's terms and policies.

8. Account Termination

We reserve the right to suspend or terminate your access to the Service at any time, without prior notice or liability, for any reason, including if you breach these Terms. You may stop using the Service at any time. If you have subscribed to our newsletter, you may unsubscribe at any time using the link provided in each email.

9. Changes to Terms

We may revise these Terms at any time by posting the updated version on this page with a new "Effective Date." Material changes will be communicated via email to newsletter subscribers or through a prominent notice on the Service. Your continued use of the Service after any changes take effect constitutes your acceptance of the revised Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or related to these Terms or the Service shall be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts.

11. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

12. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: hello@retirestack.ai