1. Usage and Licensing
RetireON is provided for personal planning use. Any commercial use—including using the tool to provide paid planning, coaching, advisory, or client services—requires the explicit, written, and documented permission of RetireON. By using this service, you represent that you are at least the age of majority in your jurisdiction.
2. RetireON is not a professional financial service.
The handbook, guides, and other educational content provided within RetireON are for general informational purposes only and do not constitute personalized financial, tax, or legal advice. You should consult with a qualified professional before making significant financial decisions.
3. Accuracy & "As-Is" Provision
While every effort is made to ensure the correctness of calculations and tax logic (including RRSP/RRIF rules and CPP/OAS estimates), errors and omissions are possible.
No Warranty: RetireON is provided on an "As-Is" and "As-Available" basis without any warranties of any kind, express or implied.
User Responsibility: You are responsible for verifying the validity of your inputs and the reasonableness of the generated results.
4. Limitation of Liability
Use of RetireON is strictly at your own risk; to the maximum extent permitted by law, RetireON shall not be liable for any damages—including financial losses, tax projection errors, or data loss—resulting from your use of the tool or from service interruptions and technical failures, including those caused by third-party infrastructure or hosting providers. Any financial action taken based on the tool's output, including assumptions regarding future government benefit levels or investment returns, remains your sole responsibility.
5. Privacy & Data
RetireON is a "local-first" application designed with privacy in mind.
No Accounts: RetireON does not require account creation or sign-in, and does not collect or store personal account information.
Data Storage: Consistent with our Privacy Policy, your detailed financial plan inputs are processed locally in your browser. You are solely responsible for the security and backup of any plan files saved to your local device or private cloud.
6. Evolution of Terms
These terms are likely to evolve as RetireON grows and new features are added. By continuing to use the service, you acknowledge and agree to the most current version of these terms.
7. Governing Law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.
8. Intellectual Property
The RetireON name, logo, software code, and proprietary calculation logic are the exclusive property of RetireON. Your license to use the tool for personal planning does not grant you any ownership rights or the right to decompile, reverse-engineer, or distribute the application's underlying logic.
9. Termination
We reserve the right to modify, suspend, or terminate the service (or your access to it) at any time, for any reason, without prior notice.