Terms of Service

Last Updated: November 7, 2025

1. Acceptance of Terms

By accessing or using Coast FIRE Calculator ("Service"), 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.

These Terms constitute a legally binding agreement between you and Coast FIRE Calculator. Your continued use of the Service constitutes acceptance of any changes to these Terms.

2. Service Description

Coast FIRE Calculator provides free online financial calculators and educational content to help users plan for Coast FIRE (Financial Independence, Retire Early). Our Service includes:

• Interactive Coast FIRE calculators with various scenarios (basic, by age, for couples, international, with pension)
• Educational content about Coast FIRE concepts and strategies
• Calculation formulas and examples
• Comparison tools and benchmarks

Important: Our Service is provided for informational and educational purposes only. It is not financial advice, and you should consult with a qualified financial advisor before making significant financial decisions.

3. User Obligations

When using our Service, you agree to:

3.1 Permitted Use

• Use the Service for personal, non-commercial purposes
• Provide accurate information when using calculators
• Comply with all applicable laws and regulations
• Respect the intellectual property rights of the Service

3.2 Prohibited Activities

You agree NOT to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Service or servers
• Use automated tools (bots, scrapers) to access the Service without permission
• Copy, modify, or distribute our content without authorization
• Reverse engineer or attempt to extract source code from the Service
• Use the Service to provide commercial financial advice to others
• Misrepresent your affiliation with the Service

4. Intellectual Property

All content on Coast FIRE Calculator, including text, graphics, logos, calculators, formulas, and software, is the property of Coast FIRE Calculator or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission. You may share links to our calculators and cite our content with proper attribution.

5. Service Limitations

5.1 Availability

We strive to maintain 99.9% uptime, but we do not guarantee that the Service will be available at all times. The Service may be temporarily unavailable due to:

• Scheduled maintenance
• Technical issues or server problems
• Force majeure events beyond our control
• Security incidents requiring immediate action

5.2 Accuracy

While we strive for accuracy, we do not guarantee that:

• Calculator results are error-free or completely accurate
• The Service meets your specific requirements
• Results will match your actual financial outcomes
• Content is always current or up-to-date

5.3 Modifications

We reserve the right to:

• Modify or discontinue any aspect of the Service at any time
• Change calculator formulas or assumptions
• Update content and features
• Limit access to certain features or users

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We disclaim all warranties, including but not limited to:

• Accuracy: We do not warrant that calculator results are accurate, complete, or suitable for your situation
• Financial Advice: Our Service is not professional financial advice. Results should not be relied upon as the sole basis for financial decisions
• Investment Returns: Past performance does not guarantee future results. Actual investment returns may differ significantly from calculator assumptions
• Suitability: We do not warrant that Coast FIRE strategies are suitable for your personal circumstances
• Third-Party Content: We are not responsible for the accuracy of third-party links or resources

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COAST FIRE CALCULATOR SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

This includes but is not limited to:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, revenue, or business opportunities
• Financial losses resulting from reliance on calculator results
• Data loss or corruption
• Service interruptions or errors

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.

8. Indemnification

You agree to indemnify and hold harmless Coast FIRE Calculator, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Financial decisions made based on calculator results

9. Third-Party Links

Our Service may contain links to third-party websites or services. We are not responsible for:

• The content or accuracy of third-party sites
• Privacy practices of third-party services
• Products or services offered by third parties

Your use of third-party services is at your own risk and subject to their terms and conditions.

10. User-Generated Content

If you contact us via email or provide feedback, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display your feedback for the purpose of improving our Service.

We reserve the right to remove any content that violates these Terms or is otherwise objectionable.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. We will update the "Last Updated" date at the top of this page.

Your continued use of the Service after changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

12. Termination

We reserve the right to terminate or suspend your access to the Service at any time, without notice, for:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Any reason at our sole discretion

Upon termination, your right to use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including disclaimers, limitations of liability, and indemnification.

13. Severability

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

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Coast FIRE Calculator regarding the Service and supersede all prior agreements and understandings.

15. Contact Information

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

• Email: contact@coastfirecalculator.app
• Response Time: We typically respond within 48 hours

16. Acknowledgment

BY USING COAST FIRE CALCULATOR, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

These Terms of Service are effective as of the date stated above and apply to all users of Coast FIRE Calculator.