Legal
Terms of Service
Effective date: July 18, 2026
These Terms govern your use of Retire With Time (retirewithtime.com), a retirement-planning product operated by Retire With Time (“RWT”, “we”, “us”). By using the service or creating an account, you agree to these Terms.
Not financial advice
Retire With Time is a transparent planning tool to help you view and understand your retirement information. Its projections and calculations are educational estimates based on the information you provide and the assumptions you choose - they are not personalized investment, tax, or legal advice. Markets are genuinely uncertain, and a projection shows what your inputs imply, not what will happen. Consult a qualified financial professional before making investment decisions.
Accounts
You are responsible for the accuracy of the information you provide and for keeping your credentials secure. You must provide a valid email address; we use it to send you essential account and security messages (see our Privacy Policy).
Acceptable use
You agree not to misuse the service, including attempting to disrupt it, access it without authorization, or use it to send unlawful or unsolicited messages.
Communications
By creating an account you consent to receive transactional and service-related email from us (verification, security, receipts, and account or service notifications). These are not marketing messages. You may stop non-essential messages by contacting us or closing your account.
Service availability
Retire With Time is being actively developed. We work to keep it available but do not guarantee uninterrupted operation, and features may change or be discontinued.
Disclaimers and limitation of liability
The service is provided “as is” without warranties of any kind to the maximum extent permitted by law. To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, or consequential damages arising out of or relating to your use of the service, including any decisions made in reliance on its projections.
Termination
We may suspend or terminate access for violation of these Terms. You may stop using the service at any time.
Governing law
These Terms are governed by the laws of the State of North Carolina, USA.
Changes
We may update these Terms; material changes will be posted here with a new effective date.
Contact
Retire With Time - [email protected].