FirePlaybook

Terms and Conditions

1. Introduction

Last updated: January 1, 2024

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and FirePlaybook ("Company," "we," "us," or "our") governing your access to and use of the FirePlaybook website, mobile application, and financial planning tools (collectively, the "Service").

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

2. Eligibility

The Service is intended for users who are at least 18 years of age. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

3. License and Use Restrictions

3.1 License Grant: Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal, non-commercial use.

3.2 Use Restrictions: You agree not to:

  • Copy, modify, adapt, translate, or create derivative works of the Service or any content therein
  • Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service
  • Use the Service for any commercial purposes without our express written consent
  • Attempt to gain unauthorized access to any portion of the Service or any related systems or networks
  • Interfere with or disrupt the integrity or performance of the Service
  • Remove, alter, or obscure any proprietary notices on the Service
  • Use the Service in any manner that could damage, disable, overburden, or impair the Service
  • Use any robot, spider, or other automated device to access the Service
  • Use the Service in violation of any applicable law or regulation

3.3 Termination of License: We reserve the right to terminate your license to use the Service at any time and for any reason, including, without limitation, if you breach these Terms.

4. Financial Calculator Disclaimer

4.1 Not Financial Advice: THE SERVICE IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. THE CONTENT AND TOOLS AVAILABLE THROUGH THE SERVICE, INCLUDING THE FIRE CALCULATOR, DO NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE. THE SERVICE IS NOT INTENDED TO PROVIDE SPECIFIC ADVICE TAILORED TO YOUR PARTICULAR FINANCIAL SITUATION.

4.2 Calculator Limitations: The FIRE calculator and other financial tools are provided "as is" and are subject to the following limitations:

  • They rely on assumptions and projections that may not reflect actual market conditions or future circumstances
  • They do not account for all variables that may affect your financial situation, including but not limited to market volatility, inflation rates, tax implications, or personal circumstances
  • The accuracy of the results depends on the accuracy and completeness of the information you input
  • The calculations are based on simplified models and general principles that may not be suitable for your specific situation
  • Past performance is not indicative of future results

4.3 Professional Consultation: Before making any financial decisions based on information provided through the Service, we strongly recommend that you consult with qualified financial, investment, tax, and legal professionals. Only such professionals can provide advice tailored to your specific needs and circumstances.

5. Intellectual Property Rights

5.1 Ownership: The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

5.2 Trademarks: The Company name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company.

6. User Content

6.1 Responsibility: You are solely responsible for any data, information, or other content that you input into the Service ("User Content"). You represent and warrant that you have all necessary rights to submit such User Content and that the User Content does not violate any applicable laws or third-party rights.

6.2 License to User Content: You grant us a non-exclusive, worldwide, royalty-free license to use, store, display, reproduce, and modify your User Content solely for the purpose of providing and improving the Service.

7. Disclaimer of Warranties

7.1 AS IS: THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.

7.2 No Accuracy Guarantee: WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, OR THAT ANY ERRORS IN THE SERVICE WILL BE CORRECTED.

8. Limitation of Liability

8.1 Exclusion of Damages: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

8.2 Financial Decisions: WITHOUT LIMITING THE FOREGOING, THE COMPANY EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY FINANCIAL DECISIONS OR ACTIONS TAKEN BY YOU BASED ON INFORMATION PROVIDED THROUGH THE SERVICE. UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THE SERVICE.

8.3 Limitation of Liability: IN THE EVENT THAT APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES, THE COMPANY'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE) SHALL NOT EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SERVICE.

9. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.

10. Third-Party Links and Services

The Service may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

11. Modifications to the Service and Terms

11.1 Service Modifications: We reserve the right to modify, suspend, or discontinue the Service or any part thereof at any time and without notice.

11.2 Terms Modifications: We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the amended Terms on the Service. Your continued use of the Service following such notification constitutes your acceptance of the amended Terms.

12. Governing Law and Dispute Resolution

12.1 Governing Law: These Terms and your use of the Service shall be governed by and construed in accordance with applicable laws, without giving effect to any choice or conflict of law provision or rule.

12.2 Dispute Resolution: Any disputes arising out of or related to these Terms or the Service shall first be attempted to be resolved through good faith negotiations. If such negotiations fail to resolve the dispute, either party may pursue resolution through appropriate legal channels.

13. General Provisions

13.1 Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

13.2 Waiver: No failure to exercise, or delay in exercising, any right, remedy, power, or privilege arising from these Terms shall operate or be construed as a waiver thereof.

13.3 Severability: If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

13.4 Assignment: You may not assign or transfer these Terms, by operation of law or otherwise, without the Company's prior written consent. The Company may assign these Terms at any time without notice.

14. Contact Information

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

Email: legal@fireplaybook.com

Address: [Your Business Address]

Attention: Legal Department