By accessing or using Financially Free Today ("Service"), operated by [LEGAL ENTITY NAME] ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
These Terms apply to all users of the Service, including users who are browsers, customers, or contributors of content.
Financially Free Today is a personal finance dashboard and FIRE (Financial Independence, Retire Early) planning tool that allows users to:
Registration: To use most features of the Service, you must create an account. You agree to provide accurate, current, and complete information and to keep it up to date.
Security: You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at [support@yourdomain.com] if you suspect unauthorized access.
One account per person: You may not create multiple accounts, share your account with others, or use another person's account.
Age requirement: You must be at least 13 years old to use the Service. By using the Service, you represent that you meet this requirement.
You agree not to:
The calculations, projections, and estimates provided by Financially Free Today — including FIRE number calculations, retirement timeline projections, mortgage amortization schedules, and investment return estimates — are for informational purposes only and are based solely on the data you enter and assumptions built into the tool.
Actual financial outcomes depend on many factors outside our control including market performance, inflation, changes in income, unexpected expenses, tax law changes, and personal circumstances. Past performance is not indicative of future results.
We strongly encourage you to consult a qualified financial advisor, tax professional, or attorney before making any financial decisions.
Financially Free Today is not registered as an investment advisor, broker-dealer, or financial planner with any regulatory authority.
The Service and its original content, features, functionality, and design are and will remain the exclusive property of [LEGAL ENTITY NAME] and its licensors. The Service is protected by copyright, trademark, and other laws.
You may not copy, modify, distribute, sell, or lease any part of the Service without our express written permission.
You retain full ownership of all financial data and information you enter into the Service ("Your Content"). By using the Service, you grant us a limited, non-exclusive license to store and process Your Content solely for the purpose of providing the Service to you.
You can export Your Content at any time using the Export feature in the dashboard. You can request deletion of your account and all associated data by contacting us at [support@yourdomain.com].
We do not use Your Content to train machine learning models or share it with third parties except as described in our Privacy Policy.
By you: You may stop using the Service at any time. To delete your account and data, go to Settings → Danger Zone, or contact us at [support@yourdomain.com].
By us: We reserve the right to suspend or terminate your account at any time, with or without notice, for conduct that we determine violates these Terms or is harmful to other users, the Service, or us.
Upon termination, your right to use the Service will immediately cease. Provisions of these Terms that by their nature should survive termination will survive, including intellectual property provisions, disclaimers, and limitations of liability.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the Service will be uninterrupted, error-free, or completely secure. We do not warrant the accuracy, completeness, or usefulness of any information provided by the Service.
Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FIWITHME, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL — ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.
OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).
Some jurisdictions do not allow limitations on liability, so some of the above may not apply to you.
You agree to defend, indemnify, and hold harmless Financially Free Today and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.
These Terms shall be governed by the laws of the State of [STATE], without regard to its conflict of law provisions.
Any dispute arising from these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If that fails, disputes shall be submitted to binding arbitration in [CITY, STATE], under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction for matters involving intellectual property.
You waive any right to a jury trial or to participate in a class action lawsuit.
We reserve the right to modify these Terms at any time. We will notify you of material changes by updating the effective date at the top of this page and, for significant changes, by sending an email to your registered address.
Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the new Terms, please stop using the Service.
If you have any questions about these Terms, please contact us: