Terms of Use

These Terms of Use govern your access to and use of The Planning Lab (the "Service"). By using the Service, you agree to these terms.

Educational use only — not financial advice

The Service provides calculators and illustrations for educational and informational purposes only. Results are estimates based on the assumptions and inputs provided and are not financial, tax, legal, or investment advice. You should consult a qualified professional before making any financial decision. Past performance and hypothetical projections do not guarantee future results.

Accounts & access

Access to the planning tools requires an authorized account. You are responsible for maintaining the confidentiality of your sign-in and for all activity under your account. Access is invitation-based and may be granted or revoked at our discretion.

Acceptable use

You agree not to misuse the Service, including by attempting to disrupt it, access it without authorization, reverse engineer it, or enter another person's private information without a lawful basis. You are responsible for the accuracy of the information you enter.

Intellectual property

The Service, including its calculators, content, and design, is owned by us and protected by applicable laws. You may not copy, resell, or redistribute the Service without permission.

Disclaimers & limitation of liability

The Service is provided "as is" without warranties of any kind. To the fullest extent permitted by law, we are not liable for any damages arising from your use of, or reliance on, the Service or its results.

Changes

We may update these terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the updated terms.

Contact

Questions about these terms can be sent through the Support page.