Retirement Calculator

Terms of Service

Last updated

These Terms of Service (“Terms”) govern your use of Retirement Calculator at retirement-calculator.ai (the “Site”), operated by Think Discount, LLC (“we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Not financial, investment, tax, or legal advice

The Site is provided for general educational and informational purposes only. Nothing on the Site — including calculator outputs, charts, articles, or comparisons — constitutes financial, investment, tax, accounting, or legal advice, or a recommendation to buy or sell any security or to adopt any particular retirement strategy.

We are not a registered investment adviser, broker-dealer, tax preparer, or law firm, and no fiduciary or advisory relationship is created by your use of the Site. Before making financial decisions, consult a qualified professional who is familiar with your complete situation.

2. Projections are estimates, not guarantees

The calculator produces hypothetical projections based on the assumptions you enter, such as your expected rate of return, contribution growth rate, and retirement age. Actual results will differ. In particular:

  • Investment returns are variable and are not guaranteed. Past performance does not predict future results, and you can lose money investing.
  • Projections use simplified assumptions and generally do not account for taxes, fees, inflation beyond any rate you specify, market volatility and sequence-of- returns risk, employer plan rules, or changes in law.
  • Contribution limits, tax rules, and benefit formulas change over time. Figures cited on the Site were accurate as of the date shown on each page and may since have changed.

You are solely responsible for the assumptions you choose and for decisions you make.

3. Acceptable use

You agree not to:

  • Use the Site in violation of any applicable law or regulation
  • Attempt to gain unauthorized access to the Site, its infrastructure, or related systems
  • Interfere with the Site’s operation, including through automated scraping that imposes an unreasonable load, denial-of-service attempts, or the introduction of malicious code
  • Reproduce, republish, or redistribute substantial portions of the Site’s content without permission
  • Remove, obscure, or interfere with advertising, attribution, or legal notices

4. Intellectual property

The Site’s content, design, text, graphics, and software are owned by Think Discount, LLC or its licensors and are protected by copyright and other intellectual property laws. You may view, download, and print pages for your own personal, non-commercial use. Any other use requires our prior written permission. You may quote brief excerpts with clear attribution and a link to the source page.

5. Third-party links and advertising

The Site contains links to third-party websites and displays third-party advertising. We do not control and are not responsible for the content, products, services, accuracy, or privacy practices of any third party. A link or advertisement is not an endorsement. Your dealings with third parties are solely between you and them.

6. Saved scenarios and email sign-up

If you save scenarios for comparison, they are stored in your own browser’s local storage on your device. That data can be lost if you clear your browser data, switch devices or browsers, or use private browsing. We do not back it up and cannot recover it for you, so keep your own records of anything you need to retain.

If you submit your email address to be notified about our mobile app, you confirm that the address is yours and that you consent to receiving that notification. You may unsubscribe at any time. How we handle that address is described in our Privacy Policy.

7. Availability and changes to the Site

We may modify, suspend, or discontinue any part of the Site at any time without notice. We do not guarantee that the Site will be uninterrupted, timely, secure, or error-free, and we may correct or update content at any time.

8. Disclaimer of warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE CALCULATOR’S OUTPUTS OR ANY CONTENT ARE ACCURATE, COMPLETE, OR CURRENT.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THINK DISCOUNT, LLC AND ITS OWNERS, EMPLOYEES, AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, SAVINGS, DATA, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

10. Indemnification

You agree to indemnify and hold harmless Think Discount, LLC from any claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of your misuse of the Site or your violation of these Terms or applicable law.

11. Governing law

These Terms are governed by the laws of the State of Washington, United States, without regard to its conflict-of-laws rules. You agree that any dispute arising from these Terms or the Site will be resolved in the state or federal courts located in that jurisdiction.

Nothing in these Terms removes any right you have under the mandatory consumer protection laws of the place where you live, and nothing here waives rights that cannot be waived by agreement. If you are a consumer in a jurisdiction that guarantees you the right to bring proceedings locally — including residents of the European Economic Area and the United Kingdom — you keep that right. If you are a California resident, your rights under the CCPA/CPRA are unaffected by this section; see our Privacy Policy for how to exercise them.

12. Changes to these Terms

We may revise these Terms at any time. The “Last updated” date above reflects the most recent version, and your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

13. Severability

If any provision of these Terms is found unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will stay in full force.

14. Contact

Questions about these Terms? Email contactus@thinkdiscountllc.com. See also our Privacy Policy and About page.