Terms of Service

These Terms of Service ("Terms") govern your access to and use of the websites, applications, calculators, and related services (collectively, the "Service") provided by Fikata LLC ("Fikata," "we," "our," or "us"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Important Financial Disclaimer

• Not financial advice. All information, calculations, projections, estimates, and content provided through the Service - including but not limited to calculators, blog articles, and planning tools - are for educational and informational purposes only and should not be relied upon as the sole basis for any financial decision.
• Past performance does not guarantee future results. Any projections, estimates, forecasts, or simulations (including but not limited to investment growth calculators, retirement projections, and Monte Carlo simulations) are based on hypothetical assumptions and historical averages. Actual results may vary significantly. Market conditions, economic factors, and personal circumstances are unpredictable and subject to change.
• No guarantee of accuracy. While we strive to provide accurate and up-to-date information, Fikata makes no representations or warranties regarding the accuracy, completeness, reliability, or suitability of any information provided through the Service. Tax rates, Social Security formulas, interest rates, and other financial data used in our tools are approximations and may not reflect current laws or regulations.
• Not a registered investment advisor. Fikata LLC is not a registered investment advisor, broker- dealer, financial planner, tax preparer, or licensed professional of any kind. We do not manage assets, execute trades, or provide personalized recommendations.
• You are responsible for your own decisions. Any financial decisions you make based on information obtained through the Service are made at your own risk and discretion. Fikata shall not be liable for any losses, damages, or adverse outcomes resulting from your reliance on the Service.

2. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

3. Account Registration

Certain features of the Service may require you to provide an email address or create an account. You agree to provide accurate, current, and complete information and to keep your account credentials secure. You are responsible for all activity that occurs under your account.

4. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws.
• Attempt to gain unauthorized access to any part of the Service, other accounts, or computer systems.
• Interfere with or disrupt the integrity or performance of the Service.
• Scrape, crawl, or use automated tools to extract data from the Service without our written consent.
• Misrepresent your identity or affiliation with any person or entity.

5. Intellectual Property

All content, features, functionality, designs, text, graphics, logos, and software comprising the Service are owned by or licensed to Fikata LLC and are protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, or publicly display any part of the Service without our prior written consent.

6. Beta Services

The Service may be offered as a beta or early-access product. Beta features are provided "as is" and may contain bugs, errors, or incomplete functionality. We make no guarantees regarding the availability, reliability, or future existence of any beta feature. We reserve the right to modify, suspend, or discontinue any beta feature at any time without notice.

7. Third-Party Services

The Service may contain links to third-party websites or services that are not owned or controlled by Fikata. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Fikata shall not be liable for any damage or loss caused by your use of any third-party content, goods, or services.

8. Disclaimer of Warranties

To the fullest extent permitted by applicable law, Fikata disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Fikata does not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

9. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Fikata LLC, its officers, directors, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with your use of (or inability to use) the Service, even if Fikata has been advised of the possibility of such damages. In no event shall Fikata's total aggregate liability exceed the amounts paid by you, if any, for access to the Service during the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Fikata LLC and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any rights of another party.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in the State of California.

12. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

13. Changes to These Terms

We may revise these Terms from time to time. When we do, we will update 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. We encourage you to review these Terms periodically.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact Us

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