Terms of Service

1. Acceptance of Terms

By accessing or using PlanToFire.com ("the Website"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Website.

2. Educational Purpose Only

The Website and all its content, tools, and calculators are provided for educational and informational purposes only.

• No content on this Website constitutes financial, investment, tax, or legal advice
• The Website does not provide personalized financial recommendations
• All calculations and projections are estimates and may not reflect actual outcomes
• Past performance does not guarantee future results

3. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, TOOLS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, COMPLETENESS, OR RELIABILITY OF CONTENT
• UNINTERRUPTED OR ERROR-FREE OPERATION

We do not warrant that the Website will meet your requirements or that any errors will be corrected.

4. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PLANTOFIRE, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or use incurred by you or any third party
• Any damages resulting from your use of or inability to use the Website
• Any damages resulting from errors, mistakes, omissions, interruptions, or delays in operation

Our total liability to you for all claims shall not exceed the amount you paid to us, if any, for accessing the Website.

5. Indemnification

You agree to indemnify, defend, and hold harmless PlanToFire, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Service or your use of the Website.

6. User Responsibilities

By using this Website, you acknowledge and agree that:

• You are solely responsible for your financial decisions and their consequences
• You should consult with qualified financial, tax, and legal advisors before making any financial decisions
• You will not rely solely on the Website's tools or content for financial planning
• You will provide accurate information when using our calculators
• You will not use the Website for any illegal or unauthorized purpose

7. Intellectual Property

All content on the Website, including text, graphics, logos, images, and software, is the property of PlanToFire or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Third-Party Links and Services

The Website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party sites. Your use of third-party services is at your own risk and subject to their terms and conditions.

9. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

10. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any modifications constitutes your acceptance of the revised terms.

11. Termination

We reserve the right to terminate or suspend your access to the Website at any time, without notice, for any reason, including but not limited to violation of these Terms of Service.

12. Governing Law and Jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in the United States for the resolution of any disputes.

13. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the Terms of Service shall otherwise remain in full force and effect.

14. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and PlanToFire regarding the use of the Website and supersede all prior agreements and understandings.

15. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: legal@plantofire.com
Website: https://plantofire.com