Terms of Service

Acceptance of Terms

By accessing or using Pathwyze ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

Description of Service

Pathwyze is a financial planning tool that allows users to create retirement projections, model investment scenarios, and visualize their path to financial independence. The Service provides educational tools and calculators to help users understand potential financial outcomes.

User Accounts

To access certain features of the Service, you must create an account. You agree to:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that violate these terms.

Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Transmit viruses, malware, or other harmful code
• Scrape, crawl, or use automated means to access the Service without permission
• Impersonate any person or entity
• Share your account credentials with others

Subscription and Payments

Some features require a paid subscription. Subscription fees are billed in advance on a recurring basis. You may cancel your subscription at any time, and cancellation will take effect at the end of the current billing period. We reserve the right to change subscription prices with reasonable notice.

Intellectual Property

The Service and its original content, features, and functionality are owned by Pathwyze and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express permission.

User Content

You retain ownership of any data you enter into the Service. By using the Service, you grant us a limited license to store, process, and display your data solely for the purpose of providing the Service to you. We will not share your personal financial data with third parties except as described in our Privacy Policy.

Limitation of Liability

To the maximum extent permitted by law, Pathwyze and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, or other intangible losses resulting from your use of the Service.

Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that the Service will be uninterrupted, secure, or error-free, or that projections or calculations will be accurate.

Indemnification

You agree to indemnify and hold harmless Pathwyze from any claims, damages, losses, or expenses arising from your use of the Service or violation of these terms.

Changes to Terms

We reserve the right to modify these terms at any time. We will provide notice of significant changes by posting the updated terms on the Service and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the modified terms.

Termination

We may terminate or suspend your access to the Service immediately, without prior notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties. Upon termination, your right to use the Service will cease immediately.

Governing Law

These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

Contact

If you have questions about these Terms of Service, please contact us through our Contact page.