Acceptance of terms
By accessing or using FireClarity ("the Service"), you agree to be bound by these Terms of Use. If you do not agree, do not use the Service.
Educational use only
FireClarity is an educational and informational tool designed to help you model financial scenarios. Nothing on this site constitutes financial, investment, tax, or legal advice. The calculations, projections, and simulations are based on mathematical models and historical assumptions — they are not predictions of future performance.
Always consult a qualified financial adviser, tax professional, or legal adviser before making financial decisions.
No guarantees
Investment returns, inflation rates, and other inputs are assumptions. Past market performance does not guarantee future results. Monte Carlo simulations and safety ratings reflect probability estimates under modelled conditions — they are not guarantees that any outcome will occur.
Accuracy of information
We take care to ensure the calculators are accurate, but we make no warranty — express or implied — about the correctness, completeness, or fitness for any particular purpose of the Service or its outputs. Use the results as one input among many in your planning process.
Your data
All calculator inputs are processed in your browser and are not transmitted to our servers. If you create an account and save scenarios, you are responsible for the accuracy of the information you provide.
Intellectual property
The FireClarity name, logo, and site content are our property. You may not reproduce, distribute, or create derivative works from the site content without prior written permission. Personal, non-commercial use is permitted.
Limitation of liability
To the fullest extent permitted by law, FireClarity and its operators are not liable for any loss or damage arising from your use of, or reliance on, the Service or its outputs — including but not limited to financial losses, investment decisions, or retirement planning errors.
Third-party links
The Service may contain links to external websites. We are not responsible for the content or practices of those sites and do not endorse any linked service.
Changes to these terms
We reserve the right to update these terms at any time. Continued use of the Service after changes are posted constitutes acceptance of the revised terms.
Governing law
These terms are governed by and construed in accordance with applicable law. Any disputes shall be subject to the exclusive jurisdiction of the courts in the relevant jurisdiction.
Contact
Questions about these terms? Use our contact form.