Last Updated: January 2025
1. Copyright & Ownership
All calculators, tools, content, and materials on RetirementOverthought.com are protected by United States and international copyright laws.
- Owner: RetirementOverthought.com
- Copyright: © 2025 RetirementOverthought.com. All Rights Reserved.
- Protection: Source code, design, calculations, algorithms, and user interface elements are proprietary.
2. Permitted Use
You are granted a limited, personal, non-commercial license to:
- Use our calculators and tools for your own retirement planning
- Print results for personal use
- Share links to RetirementOverthought.com with others
3. Prohibited Use
The following activities are strictly prohibited without written permission:
- Copying/Redistributing: Copying, reproducing, or redistributing any calculator, tool, or code
- Commercial Use: Using our tools on other websites, blogs, or commercial platforms
- Modification: Modifying, reverse engineering, or creating derivative works
- Embedding: Embedding our calculators in iframes or other websites
- Scraping: Automated data collection or screen scraping
- White-Labeling: Removing branding or presenting as your own work
⚠️ Important: Our calculators contain domain verification code. They will not function properly if copied to other websites.
4. Educational Purpose & Disclaimer
All tools and calculators are provided for educational and informational purposes only.
- Not Financial Advice: These tools do not constitute professional financial, tax, or legal advice
- No Guarantee: Calculations are estimates based on simplified assumptions
- Consult Professionals: Always consult qualified financial advisors before making retirement decisions
- Use at Own Risk: We are not liable for any financial decisions made based on our tools
5. DMCA & Copyright Enforcement
We actively protect our intellectual property. If we discover unauthorized use:
- We will issue DMCA takedown notices to hosting providers
- We may pursue legal action for copyright infringement
- Statutory damages for willful copyright infringement can exceed $150,000 per work
6. Licensing Inquiries
If you're interested in licensing our tools for commercial use, please contact us through our website at RetirementOverthought.com.
7. Privacy & Data
Our calculators process all data locally in your browser. We do not collect, store, or transmit your personal financial information to our servers. See our Privacy Policy for more details.
8. Changes to Terms
We reserve the right to update these terms at any time. Continued use of our tools constitutes acceptance of any changes.
9. Governing Law
These terms are governed by the laws of the United States and the state in which RetirementOverthought.com operates, without regard to conflict of law provisions.
Summary: Use our tools for your personal retirement planning. Don't copy them to other websites. Consult a financial advisor before making decisions. Questions? Contact us!