Terms of Service
Last updated: [DATE]
1. Acceptance
By using Retirement Fastlane you agree to these Terms.
2. Educational use only
Retirement Fastlane is an educational planning tool. It does not provide investment, tax, legal, or financial advice and does not create an advisory or fiduciary relationship. Projections are hypothetical and not guarantees.
3. Subscriptions, trials & billing
Premium (the AI-powered tier) is $9.99/month with a 7-day free trial. A credit card is required to start the trial. Unless you cancel before the trial ends, your card is charged $9.99 and the subscription auto-renews monthly until cancelled. Cancel anytime. Billing is handled securely by Stripe Checkout, and you can cancel or update payment anytime via Manage Subscription (Stripe Customer Portal). Fees are non-refundable except as required by law or stated otherwise. [CONFIRM REFUND POLICY]
4. Accounts
You are responsible for your account and the accuracy of the information you enter.
5. Acceptable use
Do not misuse, reverse-engineer, or disrupt the service.
6. Disclaimers & limitation of liability
The service is provided "as is" without warranties. To the maximum extent permitted by law, Retirement Fastlane LLC is not liable for losses arising from decisions made using the service.
7. Governing law
[STATE] law governs these Terms.