Terms of Service

Last updated: January 26, 2026

Agreement to Terms

By accessing or using Lyfetime.io (“the Service”), you agree to be bound by these Terms of Service (“Terms”). If you disagree with any part of these terms, you do not have permission to access the Service.

Description of Service

Lyfetime.io is a financial life planning tool that allows you to create projections and scenarios for your financial future. The Service is provided free of charge and stores all data locally on your device.

Important Disclaimers

⚠️ Not Financial Advice

Lyfetime.io is an educational and planning tool only. The projections, calculations, and information provided are for illustrative purposes and should NOT be considered financial, investment, tax, or legal advice.

You expressly understand and agree that:

  • No professional advice: The Service does not provide financial, investment, tax, legal, or accounting advice. Always consult with qualified professionals before making financial decisions.
  • Projections are estimates: All financial projections are based on the assumptions you provide and simplified models. Actual results will vary significantly due to market conditions, tax law changes, inflation variations, and countless other factors.
  • No guarantees: We make no guarantees about the accuracy, reliability, or completeness of any calculations or projections.
  • Your responsibility: You are solely responsible for any financial decisions you make. Lyfetime.io and its creators are not liable for any losses or damages resulting from your use of or reliance on the Service.

Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Service in any way that violates any applicable law or regulation
  • Attempt to interfere with or disrupt the Service or servers
  • Attempt to gain unauthorized access to any part of the Service
  • Use the Service to harm or defraud others
  • Reverse engineer or attempt to extract the source code of the Service

Intellectual Property

The Service and its original content, features, and functionality are owned by Lyfetime.io and are protected by international copyright, trademark, and other intellectual property laws.

Your financial data and plans that you create using the Service remain yours. We claim no ownership over your personal financial information.

Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to the practices described in the Privacy Policy.

Key points:

  • All your financial data is stored locally on your device
  • We do not have access to your financial information
  • You are responsible for backing up your data
  • Clearing your browser data will delete your saved plans

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LYFETIME.IO AND ITS CREATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

  • Your use or inability to use the Service
  • Any errors, inaccuracies, or omissions in the Service's calculations or projections
  • Any financial decisions you make based on information from the Service
  • Loss of your data due to browser issues, device problems, or any other cause
  • Any unauthorized access to or alteration of your data

Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, secure, or error-free, or that any defects will be corrected.

Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by updating the “Last updated” date at the top of this page. Your continued use of the Service after any changes constitutes acceptance of the new Terms.

Termination

We reserve the right to terminate or suspend access to the Service immediately, without prior notice, for any reason whatsoever, including without limitation if you breach these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Contact Us

If you have questions about these Terms, please contact us at:

Email: legal@lyfetime.io

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