Terms of use

Effective [DATE]

In short: Nest Egg Designer is an educational calculator. It shows the results of the assumptions you enter. It is not investment, tax or legal advice, and you remain responsible for your own decisions.

1. Who we are

Nest Egg Designer is operated by [LLC NAME] ("we", "us"). By using the site, you agree to these terms.

2. An educational tool, not advice

The planner applies published tax rules and the assumptions you choose to illustrate possible outcomes. It does not know your full situation and does not recommend that you buy, sell or hold any security, or take any particular tax, legal or financial action. Using the site does not create an advisory, fiduciary or professional relationship of any kind. Before acting on anything you see here, consider speaking with a qualified financial adviser, tax professional or attorney.

3. Assumptions and limits

Results depend entirely on the numbers and assumptions you enter, including investment returns, inflation, tax rates and life expectancy, none of which can be known in advance. The planner simplifies some rules, as described on the site, and tax laws change. Actual results will differ, possibly by a large amount.

4. No warranty

The site is provided "as is" and "as available". To the fullest extent allowed by law, we make no warranties of any kind, express or implied, including about accuracy, completeness, or fitness for a particular purpose.

5. Limitation of liability

To the fullest extent allowed by law, we are not liable for any loss or damage arising from your use of, or reliance on, the site or its results, including financial loss, lost profits, or tax penalties. If we are found liable despite this, our total liability will not exceed [AMOUNT, e.g. $100 or the amount you paid us in the past 12 months].

6. Acceptable use

You may use the site for your own personal planning. You may not copy, resell or redistribute the site or its code for commercial purposes, attempt to disrupt it, or use it in a way that breaks the law.

7. Ownership

The site's design, text, code and logo belong to [LLC NAME]. The results you generate with your own inputs are yours to use.

8. Changes

We may update the site and these terms. Continued use after a change means you accept the updated terms. The effective date above shows when they last changed.

9. Governing law

These terms are governed by the laws of the State of [STATE], without regard to its conflict-of-law rules.

10. Contact

[LLC NAME], [CONTACT EMAIL]