Terms of Service

Effective Date: August 19, 2025
Last Updated: August 19, 2025

Agreement to Terms

By accessing and using CoastFirecalculator.app ("Service," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

Description of Service

CoastFirecalculator.app provides a free online Coast FIRE (Financial Independence, Retire Early) calculator that helps users:

Calculate their Coast FIRE number
Project investment growth over time
Visualize financial independence scenarios
Plan retirement strategies

Use of Service

Permitted Use

You may use our Service for:

Personal Financial Planning: Calculate your own Coast FIRE scenarios
Educational Purposes: Learn about FIRE concepts and financial independence
Research: Explore different retirement planning strategies
Sharing: Share results and recommendations with others

Prohibited Use

You may not use our Service for:

Commercial Redistribution: Reselling or redistributing our calculator
Automated Access: Using bots, scrapers, or automated tools
Malicious Activities: Attempting to hack, disrupt, or damage our Service
False Information: Providing misleading information about our Service

Financial Disclaimer

Educational Tool Only

Not Financial Advice: Our calculator provides estimates and projections, not financial advice
No Guarantees: Investment returns and market performance cannot be guaranteed
Professional Consultation: Consult qualified financial advisors for personalized advice
Your Responsibility: All financial decisions are your own responsibility

Calculation Accuracy

Best Efforts: We strive for accurate calculations using established financial principles
No Warranties: We make no warranties about the accuracy of results
Market Variables: Actual results may vary due to market conditions, fees, taxes, and other factors
Regular Updates: We may update calculation methods to improve accuracy

Privacy and Data

Data Processing

Local Calculations: All calculations are performed in your browser
No Data Storage: We do not store your financial information on our servers
Privacy Policy: Please review our Privacy Policy for detailed information
Cookies: We use essential cookies for website functionality

User Responsibility

Data Security: You are responsible for protecting your own financial information
Browser Security: Ensure your browser and device are secure
Public Computers: Avoid using public computers for financial calculations

Intellectual Property

Our Rights

Website Content: All content, design, and functionality are our property
Trademarks: CoastFirecalculator.app and related marks are our trademarks
Copyright: Website content is protected by copyright law
License: We grant you a limited, non-exclusive license to use our Service

User Rights

Calculation Results: You own the results generated by your inputs
Sharing: You may share and discuss your results
Screenshots: You may take screenshots for personal use
Attribution: Please attribute our Service when sharing publicly

Service Availability

Uptime

Best Efforts: We strive to maintain high availability
No Guarantees: We cannot guarantee uninterrupted service
Maintenance: Scheduled maintenance may cause temporary unavailability
Updates: We may update the Service to improve functionality

Changes to Service

Feature Updates: We may add, modify, or remove features
Notice: We will provide reasonable notice of significant changes
Continued Use: Your continued use constitutes acceptance of changes
Discontinuation: We reserve the right to discontinue the Service

Limitation of Liability

Disclaimer of Warranties

As-Is Basis: The Service is provided "as is" without warranties
No Guarantees: We disclaim all warranties, express or implied
Fitness for Purpose: We do not warrant fitness for any particular purpose
Accuracy: We do not warrant the accuracy of calculations or projections

Limitation of Damages

No Liability: We are not liable for any financial losses or damages
Indirect Damages: We are not liable for indirect, incidental, or consequential damages
Maximum Liability: Our maximum liability is limited to the amount you paid (which is $0)
User Responsibility: You assume all risk from using our Service

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

Your use of the Service
Your violation of these Terms
Your violation of any third-party rights
Any financial decisions based on our calculator

Governing Law

These Terms are governed by and construed in accordance with applicable laws. Any disputes will be resolved through binding arbitration or in courts of competent jurisdiction.

Changes to Terms

Modification Rights

Updates: We may modify these Terms at any time
Notice: We will post updated Terms on this page
Effective Date: Changes become effective when posted
Continued Use: Your continued use constitutes acceptance

User Options

Review: Please review Terms periodically
Discontinue Use: If you disagree with changes, stop using the Service
Contact: Contact us with questions about changes

Contact Information

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

Website: CoastFirecalculator.app
Support: Contact form available on our website
Response Time: We aim to respond within 48 hours

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CoastFirecalculator.app regarding the use of our Service.

By using CoastFirecalculator.app, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.