Permission is granted to temporarily use the Service for personal, non-commercial informational purposes only. Under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained in the Service
• Remove any copyright or other proprietary notations from the materials

The materials and calculations provided through the Service are provided on an 'as is' basis. We make no warranties, expressed or implied, and hereby disclaim and negate all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

The Retirement Score Calculator is for informational and educational purposes only and should not be considered financial advice. We recommend consulting with a qualified financial advisor before making any investment or retirement planning decisions.

By using the Service, you consent to the collection and use of your personal information. We collect:

• Name, email address, and phone number
• Financial information you provide for retirement calculations
• Usage data and analytics

By providing your phone number and email address and accepting these terms, you consent to receive:

• SMS text messages related to your retirement score and financial planning
• Email communications including newsletters, updates, and promotional materials
• Follow-up communications from financial advisors

You may opt out at any time by following the unsubscribe instructions in the messages or by contacting us directly.