Terms of Service

Acceptance of Terms

By accessing or using Joey's Retirement Planner, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use the service.

Description of Service

Joey's Retirement Planner is a web-based tool that allows you to create retirement projections based on financial inputs you provide. The tool performs calculations using standard financial formulas and displays hypothetical projections of portfolio growth, retirement income, and readiness scores.

No Financial Advice

Nothing on this site constitutes financial, investment, legal, or tax advice. The projections, scores, and recommendations generated by the tool are for educational and illustrative purposes only. We are not a registered investment advisor, broker-dealer, or financial planner.

User Responsibilities

• You are responsible for the accuracy of the data you enter.
• You are responsible for keeping your account credentials secure.
• You agree not to use the service for any unlawful purpose.
• You understand that projections are estimates and may differ significantly from actual outcomes.

Data Ownership

You retain full ownership of all data you enter into the planner. We do not claim any intellectual property rights over your financial data. You may export or delete your data at any time. See our Privacy Policy for details on how we store and protect your data.

Limitation of Liability

The service is provided "as is" without warranties of any kind, either express or implied. We shall not be liable for any damages arising from the use of or inability to use the service, including but not limited to financial losses based on projections generated by the tool. You use the service entirely at your own risk.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated date. Continued use of the service after changes are posted constitutes acceptance of the revised terms.