Terms of Service

1. Acceptance of Terms

By accessing or using Sherpa Plan's services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

Sherpa Plan provides retirement planning tools, calculators, and educational resources. Our services include:

• Monte Carlo retirement simulations
• Scenario planning and comparison tools
• Tax estimation calculators
• Educational content about retirement planning

3. Not Financial Advice

We are not a registered investment adviser, broker-dealer, or financial planner. The projections and calculations provided are estimates based on the information you provide and various assumptions that may not reflect actual future results.

4. User Accounts

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and complete information
• Notifying us immediately of any unauthorized access

5. Subscription and Payments

Some features require a paid subscription. By subscribing, you agree to:

• Pay all applicable fees as described at the time of purchase
• Automatic renewal unless cancelled before the renewal date
• Our refund policy as stated at the time of purchase

6. Intellectual Property

All content, features, and functionality of Sherpa Plan are owned by us and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

7. Limitation of Liability

To the maximum extent permitted by law, Sherpa Plan shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount you paid for the services in the past 12 months.

8. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Termination

We may terminate or suspend your account at any time for violation of these terms. Upon termination, your right to use the services will immediately cease, though you may request export of your data.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of significant changes via email or through our services. Continued use after changes constitutes acceptance of the new terms.

11. Contact

For questions about these Terms of Service, please contact us at contact@sherpaplan.com