Terms of Sale, License Agreement & Disclaimer

Effective date: August 27, 2026

This page also serves as our Refund Policy (Section 1.4) and Privacy Notice (Section 5). If you're looking for one of those specifically, jump to the relevant section below.

1. Terms of Sale

These Terms of Sale govern your purchase of the Lifetime Wealth Planner software (the "Product") from Lifetime Wealth Planner, LLC, a limited liability company organized in Ohio ("we," "us," "our"). By purchasing, downloading, or using the Product, you ("you," "the Buyer") agree to these terms.

1.1 What you're buying

A single-file HTML application, delivered electronically, that projects household net worth, retirement income, and after-tax legacy based on inputs you provide. It runs entirely in your web browser; no account, subscription, or ongoing service is included unless separately stated on the sales page.

1.2 Delivery

The Product is delivered as an immediate digital download upon successful payment, together with a license key (if applicable) for your records.

1.3 Price and payment

The price is as stated on the sales page at the time of purchase, processed by our payment provider, Paddle. All sales are in U.S. dollars unless stated otherwise.

1.4 Refunds

All sales are final. Because the Product is delivered instantly as a digital download upon payment, we do not offer refunds once a purchase is complete, though refunds may still be issued by Paddle, our payment processor and merchant of record, where required by law or their own buyer terms. If you believe you were charged in error — for example, a duplicate charge or a billing mistake — visit paddle.net to contact Paddle's Order Support team and request a refund.

1.5 Updates

Buyers receive free updates to the Product for the current tax year, for as long as the planner exists and is maintained. We do not guarantee updates indefinitely — we may stop maintaining or updating the Product at any time, without obligation to continue support for prior tax years. Tax law, contribution limits, and IRMAA thresholds change from year to year; see the Disclaimer below.

2. License Agreement

2.1 Grant of license

Subject to your compliance with these terms and payment of the applicable fee, we grant you a non-exclusive, non-transferable, non-sublicensable license to download and use one (1) copy of the Product for your own personal, non-commercial household financial planning.

2.2 Restrictions

You may not:

resell, sublicense, rent, lease, or otherwise distribute the Product or any copy of it to any third party;
share your copy, license key, or download link with anyone outside your household;
modify, reverse-engineer, or create derivative works from the Product for the purpose of redistribution or resale;
use the Product to provide financial planning, tax, or advisory services to third-party clients without a separate commercial/professional license from us (contact [email protected] if you are a financial advisor or planner interested in using this with clients — a professional-use license is available on request);
remove or obscure any copyright, branding, or license notices contained in the Product.

2.3 Ownership

We retain all right, title, and interest in and to the Product, including all intellectual property rights. This license grants you a right to use the Product; it does not transfer ownership of the software, its code, or its design.

2.4 Term and termination

This license is effective until terminated. It terminates automatically if you breach any term of this agreement (for example, redistributing the Product). Sections 2.3, 3, 4, and 5 survive termination.

3. Disclaimer — Not Financial, Tax, or Legal Advice

The Product is an educational and planning tool only. It is not, and should not be relied upon as, financial, investment, tax, accounting, or legal advice.

The Product performs calculations based on the assumptions and figures you enter (returns, inflation, tax rates, life expectancy, spending, etc.) and on our understanding of published federal (and, where applicable, an approximated flat state) tax rules, Social Security rules, and Medicare/IRMAA thresholds as of the Product's release date. These rules change over time; the Product may not reflect the most current law.
All projections — including Monte Carlo simulations — are hypothetical estimates based on the inputs and assumptions provided. Actual results will differ, potentially significantly, from any projection shown. Past or assumed investment returns are not a guarantee or prediction of future results.
State tax is modeled as a single flat rate you configure; it is an approximation and does not replicate any specific state's actual bracket structure, deductions, or treatment of Social Security or retirement income.
We are not a registered investment advisor, broker-dealer, accountant, or law firm, and no advisor-client, accountant-client, or attorney-client relationship is created by your use of the Product or any communication with our support team.
Before making any financial, investment, tax, retirement, or estate-planning decision, consult a qualified, licensed professional (e.g., a CFP®, CPA, tax attorney, or estate planning attorney) who can evaluate your complete personal situation.

4. Limitation of Liability & Warranty Disclaimer

4.1 "As is"

The Product is provided "as is" and "as available," without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Product's calculations are error-free or that it will meet your requirements.

4.2 Limitation of liability

To the maximum extent permitted by applicable law, in no event shall Lifetime Wealth Planner, LLC, its members, or its affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, or financial outcome, arising out of or related to your use of, or inability to use, the Product — including damages arising from errors, inaccuracies, or omissions in its calculations — even if advised of the possibility of such damages. Our total aggregate liability for any claim arising from these terms or the Product shall not exceed the amount you actually paid for the Product.

4.3 Jurisdictional limits

Some jurisdictions do not allow certain limitations, so some of the above limitations may not apply to you; in that case, liability is limited to the greatest extent permitted by law.

5. Data & Privacy

The Product runs entirely in your browser. It does not transmit your financial inputs to us, to any server, or to any third party — all data you enter is stored locally on your own device (via browser localStorage) and only leaves your device if you explicitly choose to export/download a copy. We do not collect, receive, or have access to any financial data you enter into the Product.

We do collect standard purchase information (email, payment details) through our payment processor, Paddle, in order to deliver the Product and provide support; see Paddle's privacy policy for how that information is handled.

6. Support

Support is limited to installation/technical questions about using the Product (e.g., "how do I enter X," "why does column Y show Z") and does not include personalized financial, tax, or investment advice. Contact [email protected]. We aim to respond as soon as possible.

7. General

7.1 Governing law

These terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles.

7.2 Changes

We may update these terms from time to time; the version in effect at the time of your purchase governs that purchase.

7.3 Entire agreement

These Terms, together with your purchase receipt, constitute the entire agreement between you and us regarding the Product, and supersede any prior or contemporaneous representations or statements, whether on our website, sales page, or elsewhere.