The agreement between you and Plentitude.

These Terms of Service are an agreement between you and Plentitude Planning ("Plentitude", "we", "us"). By creating an account or using the website, apps, calculators, and planning tools we provide (the "Service"), you agree to them. If you do not agree, please do not use the Service.

You must be at least 18 years old and able to enter into a binding contract. If you use Plentitude on behalf of a household or business, you confirm you are authorized to accept these terms for it.

You are responsible for the accuracy of the information you provide and for keeping your login credentials confidential. Anything done through your account is treated as done by you. Tell us promptly at support@plentitudeplanning.com if you suspect unauthorized access.

If you invite a spouse, partner, or collaborator to your household, you are choosing to share your plan data with them and are responsible for that decision.

Plentitude Planning is educational planning software. It is not investment, tax, legal, insurance, or accounting advice, and using it does not create an advisory or fiduciary relationship.

Plentitude is not a registered investment adviser, broker-dealer, insurance producer, tax preparer, or law firm, and does not recommend any specific security, fund, insurance policy, lender, or professional. Every projection, score, scenario, and suggested action in the Service is an illustration based on the assumptions and figures in your plan.

Consult a qualified financial, tax, or legal professional before acting on anything you see here. Decisions you make are yours alone.

Projections rely on assumptions — returns, inflation, tax rules, life expectancy, contribution levels — that will not match the future exactly. Tax and benefit rules change, and figures such as contribution limits, Social Security amounts, and Medicare thresholds are estimates that may lag current law.

Past performance and modeled results do not guarantee future outcomes. Results also depend on the accuracy of what you enter, and on data supplied by third parties such as account aggregation and market-quote providers, which we do not warrant.

• Starter is free and includes the public calculators and core tracking tools.
• Paid plans are billed in advance at the price shown on the Pricing page, through our payment processor. We do not store your full card details.
• Automatic renewal — paid subscriptions renew automatically at the end of each term at the then-current price unless you cancel before the renewal date.
• Cancellation — you may cancel anytime from Settings. Access continues to the end of the paid term; we do not prorate partial terms except where required by law.
• Price changes — we will give notice before a renewal price increase applies to you.
• Taxes — prices exclude any applicable taxes, which may be added at checkout.

If something goes wrong with a charge, email support@plentitudeplanning.com — we would rather fix it than argue about it.

• Do not use the Service for anything unlawful, or to infringe anyone's rights.
• Do not attempt to access other users' data, probe our security, or disrupt the Service.
• Do not scrape, resell, sublicense, or redistribute the Service or its output as your own product.
• Do not reverse engineer the Service except to the extent that restriction is unenforceable by law.
• Do not upload malicious code or content you have no right to share.

Linking a financial institution is optional and is handled by third-party providers under their own terms. We are not responsible for the availability, accuracy, or acts of those providers or of your financial institutions. See our Privacy Policy for how connected data is handled.

The Service, including its software, models, design, and content, belongs to Plentitude Planning and is protected by intellectual property law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your own personal or household planning.

Your data remains yours. You grant us only the license needed to host, process, and display it so we can operate the Service for you.

The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that results will be accurate, uninterrupted, or error-free — to the fullest extent permitted by law.

To the fullest extent permitted by law, Plentitude Planning and its team will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost savings, investment losses, or tax liabilities arising from your use of the Service. Our total liability for any claim is limited to the amount you paid us in the twelve months before the claim, or one hundred US dollars if you are on a free plan. Some jurisdictions do not allow certain limits, so parts of this section may not apply to you.

You agree to indemnify and hold Plentitude Planning harmless from claims, losses, and expenses (including reasonable legal fees) arising out of your misuse of the Service or your violation of these terms or of applicable law.

You may stop using Plentitude and delete your account at any time. We may suspend or terminate access if you breach these terms, if required by law, or if we discontinue the Service — in which case we will give reasonable notice and a way to export your data. Sections that by their nature should survive termination (including intellectual property, disclaimers, and liability) will do so.

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules, and the state and federal courts located there will have exclusive jurisdiction over any dispute, unless applicable law gives you the right to bring a claim elsewhere.

Before filing anything, please email us — nearly every dispute we have seen was a misunderstanding that took one conversation to resolve.

Placeholder to confirm: legal entity name and state of formation.

We may update these terms as the product and the law evolve. We will change the date at the top of this page and, for material changes, notify you in the app or by email before they take effect. Continuing to use the Service after that means you accept the updated terms.

Questions about these terms? Email support@plentitudeplanning.com.