Terms of Use

Effective September 14, 2026

Using YARCalc

YARCalc is a retirement-planning and educational analysis application. You may use it only for lawful purposes and in a way that does not interfere with the service, other accounts, or application security. Do not attempt to gain unauthorized access, introduce malicious code, scrape protected information, use another person’s account, or send automated, repeated, or unsolicited commercial feedback.

Your account and information

You are responsible for safeguarding your sign-in credentials and for the accuracy of the information you enter. Notify [email protected] if you believe your account has been accessed without permission. Your use of personal and planning information is also governed by the Privacy Policy.

Planning estimates, not professional advice

YARCalc provides estimates and educational analysis, not individualized legal, tax, accounting, insurance, medical, or investment advice. It does not create an advisory, fiduciary, brokerage, attorney-client, or other professional relationship. Review important decisions with appropriately qualified professionals.

Models and availability

Results depend on the information and assumptions supplied, model boundaries, tax and reference data, market information, and uncertain future events. Results may be incomplete, delayed, or unavailable, and YARCalc may change features and models as the application develops. See Financial & Investment Disclosures for important limitations.

No transactions or guarantees

YARCalc does not hold assets, execute trades, file taxes, purchase insurance, apply for benefits, or guarantee any financial outcome. You remain responsible for deciding whether and how to act on information shown by the application.

Questions

For questions about these terms, email [email protected].