Please read these Terms of Use ("Terms") carefully before using YOUR-DOMAIN.com (the "Site"), operated by Retirement Hub ("we", "us", "our"). By accessing or using the Site, you agree to be bound by these Terms.
By using this Site, you confirm that you are at least 18 years of age and have the legal capacity to enter into this agreement. If you do not agree to these Terms, please discontinue use of the Site immediately.
Retirement Hub provides free, browser-based calculators designed to help users estimate retirement savings, income, tax, and related financial metrics. The Site is provided "as is" and "as available" without warranties of any kind.
You should consult a qualified, licensed financial advisor, tax professional, or attorney before making any financial decision based on information from this Site.
We strive to keep calculator logic and reference data (such as IRS contribution limits and tax brackets) accurate and up to date. However, tax laws, contribution limits, Social Security rules, and other financial regulations change frequently. We make no warranty that the information on this Site is current, complete, or accurate. You are responsible for verifying all information with authoritative sources (such as the IRS at irs.gov or the Social Security Administration at ssa.gov) before relying on it.
You agree to use the Site only for lawful purposes. You must not:
All content on this Site — including text, calculator code, data visualisations, graphics, and branding — is owned by or licensed to Retirement Hub and is protected by applicable intellectual property laws. You may use the Site's calculators for personal, non-commercial purposes. You may not reproduce, redistribute, sell, or create derivative works from any Site content without our express written permission.
Embedding: We provide an embed feature for non-commercial, educational use. Embedded calculators must retain the "Powered by Retirement Hub" attribution link.
This Site contains links to third-party websites, including affiliate links to financial product providers. When you click an affiliate link and make a purchase or open an account, we may earn a commission at no additional cost to you. Affiliate relationships do not influence our calculator results or editorial recommendations. We are not responsible for the content, accuracy, or practices of any third-party website.
This Site displays advertisements served by Google AdSense and potentially other advertising networks. We are not responsible for the content of these advertisements. The presence of an advertisement does not constitute an endorsement of the advertised product or service.
TO THE FULLEST EXTENT PERMITTED BY LAW, THIS SITE AND ITS CALCULATORS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
TO THE FULLEST EXTENT PERMITTED BY LAW, RETIREMENT HUB SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES ARISING FROM RELIANCE ON CALCULATOR OUTPUTS. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS SHALL NOT EXCEED ONE U.S. DOLLAR ($1.00).
You agree to indemnify, defend, and hold harmless Retirement Hub and its operators from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the Site or violation of these Terms.
Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
We reserve the right to modify or discontinue the Site at any time without notice. We may also update these Terms at any time. Continued use of the Site after any changes to the Terms constitutes your acceptance of the revised Terms. We will update the "Last updated" date at the top of this page when changes are made.
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the United States.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Retirement Hub regarding your use of the Site.
If you have questions about these Terms, please contact us at:
hello@YOUR-DOMAIN.com