Terms of Service

Last updated: April 22, 2026

Acceptance

By using this site, you agree to these terms. If you do not agree, please do not use the site.

What this site is

A collection of free educational calculators and informational content about financial independence and retirement planning, operated by Oddlogix LLC (“we,” “us,” “our”). Access is provided without charge and supported by display advertising.

Not financial, tax, or legal advice

Nothing on this site constitutes professional financial, tax, investment, or legal advice. We are not licensed financial advisors, certified public accountants, or fiduciaries. The calculators and content are educational tools that produce estimates based on publicly available data and established academic research.

Projections assume historical market returns which may not persist. Safe withdrawal rate research is based on historical data that does not guarantee future outcomes. Every calculator’s results are estimates to inform your thinking, not decisions to execute without further analysis.

Financial decisions — including those about savings rates, withdrawal strategies, portfolio allocation, retirement timing, and geographic relocation — should be made with appropriate professional guidance for your individual circumstances.

Accuracy and limitations

Tax brackets change annually. Dividend ETF yields fluctuate. Cost of living data ages. Social Security and pension rules change. Investment returns are inherently uncertain. All projections are estimates. Our methodology page documents the sources, assumptions, and known limitations for each tool.

No warranty

The calculators and content are provided “as is” without warranty of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose, or merchantability.

Acceptable use

You may use this site for any lawful purpose. You may not attempt to disrupt site availability, extract data via automated means beyond normal browsing, or redistribute substantial portions of the content without permission.

Intellectual property

All content — calculators, articles, design, and code — is the property of Oddlogix LLC unless otherwise noted. Sharing links is encouraged. Republishing substantial content requires written permission.

Third-party content

This site displays advertisements served by Google AdSense and potentially Mediavine. We do not control the content of those advertisements. Advertisements do not constitute endorsements or financial recommendations.

Limitation of liability

To the maximum extent permitted by law, Oddlogix LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this site or reliance on its calculators, including but not limited to damages for financial losses, lost profits, or missed opportunities.

Indemnification

You agree to indemnify and hold harmless Oddlogix LLC from any claims arising from your misuse of this site or reliance on its content for financial decisions.

Governing law

These terms are governed by the laws of the State of South Carolina, United States, without regard to conflict of laws principles.

Changes

We may modify these terms. Material changes will be noted with an updated date at the top of this page.

Contact

Email: [email protected] (see Contact page)