Terms & Conditions

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

1. Educational use only

This site provides an educational asset allocation tool as described on the methodologyand disclaimer pages. It is not financial, investment, tax, or legal advice, and does not recommend any specific security, fund, or product.

2. No warranty

The site and its calculations are provided "as is," without warranty of any kind, express or implied, including but not limited to accuracy, completeness, or fitness for a particular purpose.

3. Limitation of liability

To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, this site or any results it produces, including investment losses.

4. Acceptable use

You agree not to misuse the site — including attempting to disrupt its operation, scraping it at abusive volume, or using it to build a competing service without permission.

5. Intellectual property

The site's design, text, and underlying code are owned by us or our licensors. You may use the calculator for personal, non-commercial purposes, including printing or exporting your own results.

6. Changes

We may update these terms or the site itself at any time. Continued use after a change constitutes acceptance of the update.

7. Contact

Questions about these terms can be sent through our contact channel listed on the site.