Terms of Service

These Terms of Service (“Terms”) govern your access to and use of RetiFlo (the “Service”), operated by RetiFlo LLC (“RetiFlo”, “we”, “us”, “our”) at retiflo.com. By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

You must be at least 18 years old and able to form a binding contract to use the Service. By using it, you represent that you meet these requirements and that the information you provide is accurate.

RetiFlo is a software tool that helps you organize your financial information and generate retirement projections and analytics — including cash-flow projections, Monte Carlo simulations, tax and Roth-conversion analysis, and related metrics — based on the data and assumptions you provide.

Where the Service connects you with third-party professionals (e.g. an advisor marketplace), RetiFlo is not a party to any engagement you enter with them and is not responsible for the services, advice, or conduct of those professionals. Any such engagement is solely between you and the professional and may be subject to additional terms.

You are responsible for safeguarding your account credentials and for all activity under your account. Enable multi-factor authentication where available. Notify us promptly of any unauthorized use. We may suspend or terminate accounts that violate these Terms or pose a security risk.

Some features require a paid subscription.

• Billing. Paid plans are billed through our payment processor, Stripe, on the cycle shown at purchase. By subscribing you authorize recurring charges until you cancel.
• Auto-renewal. Subscriptions renew automatically at the end of each period at the then-current price unless you cancel before the renewal date.
• Cancellation. You may cancel at any time; access continues until the end of the current paid period.
• Price changes. We may change prices; we will give notice before a change applies to your next renewal.
• Refunds. Fees are non-refundable except where required by law.
• Taxes. Prices exclude applicable taxes unless stated otherwise.

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms.
• Attempt to gain unauthorized access to the Service, other accounts, or our systems.
• Probe, scan, or test the vulnerability of the Service or breach its security, except under a program we authorize in writing.
• Reverse engineer, scrape, or copy the Service except as permitted by law.
• Upload malware, interfere with the Service, or impose an unreasonable load on our infrastructure.
• Use the Service to provide a competing service or resell access without our consent.
• Misrepresent your identity or provide information you are not authorized to share.

You retain ownership of the financial and personal information you enter (“Your Data”). You grant us a limited license to process Your Data solely to operate and provide the Service to you, as described in our Privacy Policy. You are responsible for the accuracy of Your Data; the quality of the Service's outputs depends on it. You may export or delete Your Data as described in the Privacy Policy.

The Service integrates optional third-party services — including Stripe (payments), Anthropic (AI insights, opt-in), and Resend (email). Your use of those features may be subject to the third party's own terms and privacy policy. RetiFlo is not responsible for third-party services and does not control their availability or behavior.

The Service — including its software, models, design, content, and trademarks — is owned by RetiFlo or its licensors and is protected by intellectual-property laws. Except for the rights expressly granted to you to use the Service, we reserve all rights. You may not use our name, logos, or branding without our prior written permission.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ITS PROJECTIONS OR OUTPUTS WILL BE ACCURATE OR RELIABLE. See also the not-advice notice in Section 3.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RETIFLO AND ITS OFFICERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, SAVINGS, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE OR ANY FINANCIAL DECISION MADE IN RELIANCE ON IT. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF the amounts you paid us in the prior 12 months OR USD $60. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

You agree to indemnify and hold RetiFlo harmless from claims, damages, and expenses (including reasonable legal fees) arising from your misuse of the Service, your violation of these Terms, or your violation of any law or third-party right.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or to protect the Service or other users. Provisions that by their nature should survive (including Sections 7, 9–12, and 14) will survive. Account deletion is handled as described in the Privacy Policy.

These Terms are governed by the laws of Iowa, without regard to its conflict-of-laws rules. [State the agreed venue / dispute-resolution mechanism.]

We may update these Terms from time to time. When we make material changes, we will update the “Last updated” date and, where appropriate, notify you. Continued use of the Service after an update constitutes acceptance of the revised Terms.

Questions about these Terms:

• Email: legal@retiflo.com
• Contact form: retiflo.com/contact
• Operator: RetiFlo LLC, [registered address]