Terms of Service

Agreement to Terms

By accessing and using Save For Tomorrow (savefortomorrow.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

Description of Service

Save For Tomorrow provides free financial calculators and planning tools, including:

• 27 financial calculators covering retirement, budgeting, mortgages, debt payoff, tax planning, and more
• Optional user accounts to save calculations, track net worth, and manage budgets
• Premium features including bank account synchronization and AI-powered financial insights
• Financial planning tools such as budget trackers, expense management, and goal setting

No Financial Advice

The information provided by Save For Tomorrow, including all calculations, projections, AI-generated insights, and content, is for general informational and educational purposes only. It should not be considered as:

• Professional financial advice or personalized recommendations
• Investment advice or securities recommendations
• Tax advice or tax planning services
• Legal advice
• A substitute for consultation with qualified professionals

AI-generated insights are based on general financial principles and the limited data you provide. They do not account for your complete financial situation, tax circumstances, or personal goals. We strongly encourage you to consult with a qualified financial advisor, tax professional, or other appropriate expert before making any financial decisions based on information from this website.

Accuracy of Calculations

While we strive to provide accurate calculations and helpful tools, you acknowledge that:

• All projections and estimates are based on the assumptions and data you input
• Actual investment returns, inflation rates, and other variables will differ from historical averages and assumptions
• Our calculators use simplified financial models that may not account for all factors affecting your situation
• Future tax laws, Social Security benefits, interest rates, and regulations may change significantly
• Past performance does not guarantee future results
• AI-generated insights are provided by third-party AI services and may contain errors or outdated information
• Stock prices and financial data may be delayed or inaccurate

User Accounts

You may create an account to save calculations and access additional features. When you create an account:

• You must provide accurate and complete information
• You are responsible for maintaining the confidentiality of your password
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account
• We reserve the right to suspend or terminate accounts that violate these terms

Premium Subscriptions

Premium features require a paid subscription processed through Stripe. By subscribing:

• You authorize recurring charges to your payment method
• Subscriptions automatically renew unless you cancel before the renewal date
• You can cancel anytime from your account settings
• Refunds are provided at our discretion
• We may change pricing with 30 days notice to active subscribers

Bank Account Connections

Premium users may connect bank accounts through Plaid, a third-party service. By connecting your accounts:

• You authorize us to access account balances and transaction data through Plaid
• You understand that we do not receive or store your bank login credentials
• You can disconnect accounts at any time
• You acknowledge that bank data may be delayed or contain errors
• You are responsible for the accuracy of any manually entered data

User Responsibilities

When using our service, you agree to:

• Provide accurate information when using calculators and creating accounts
• Use the service for lawful purposes only
• Not share your account credentials with others
• Not attempt to disrupt, hack, or interfere with the website's operation
• Not use automated systems (bots, scrapers) to access the website
• Not misrepresent yourself or provide false information
• Not use the service to harm, defraud, or scam others

Intellectual Property

All content on Save For Tomorrow, including but not limited to calculator algorithms, text, graphics, logos, user interface designs, and software, is the property of Save For Tomorrow and is protected by copyright and other intellectual property laws. You may not:

• Reproduce, distribute, or create derivative works without our express written permission
• Reverse engineer or attempt to extract source code from our calculators
• Remove copyright notices or branding
• Use our content for commercial purposes without authorization

Third-Party Services

Our service integrates with third-party providers (Google, Plaid, Stripe, Anthropic). Your use of these integrations is subject to their respective terms of service and privacy policies. We are not responsible for:

• The availability or performance of third-party services
• Changes to third-party APIs or pricing
• Data accuracy from third-party sources
• Third-party service outages or interruptions

Limitation of Liability

To the fullest extent permitted by law, Save For Tomorrow and its owners, operators, affiliates, and service providers shall not be liable for any:

• Direct, indirect, incidental, consequential, or punitive damages
• Loss of profits, savings, revenue, data, or other intangible losses
• Damages resulting from your use of or inability to use the service
• Damages resulting from any financial decisions made based on information from this website
• Unauthorized access to or alteration of your data
• Errors or inaccuracies in calculations, projections, or AI-generated content
• Service interruptions, outages, or data loss

In no event shall our total liability exceed the amount you paid us in the 12 months preceding the claim (or $100 if you have not paid us).

Disclaimer of Warranties

The service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that:

• The service will be uninterrupted, secure, or error-free
• The calculations, projections, or AI insights will be accurate, complete, or current
• Any errors or defects will be corrected
• The service will meet your specific requirements
• Third-party integrations will continue to function

Indemnification

You agree to indemnify and hold harmless Save For Tomorrow and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the service
• Your violation of these Terms of Service
• Your violation of any rights of another person or entity
• Any financial decisions you make based on information from our service

Modifications to Service

We reserve the right to:

• Modify, suspend, or discontinue the service or any feature at any time without notice
• Change calculator methodologies or assumptions
• Update these Terms of Service at any time
• Refuse service to anyone for any reason

Continued use of the service after changes constitutes acceptance of the modified terms.

Termination

We may terminate or suspend your account and access to the service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination:

• Your right to use the service will immediately cease
• We may delete your account data (subject to our Privacy Policy)
• You remain liable for any outstanding payments

Governing Law and Disputes

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions. Any disputes arising from these terms or your use of the service shall be resolved through binding arbitration rather than in court, except where prohibited by law.

Contact Information

If you have any questions about these Terms of Service, please contact us at Support@SaveForTomorrow.com.