Terms of Service

1. What FirePlanIO is

FirePlanIO publishes free educational articles and browser-based financial calculators. It is an information service only. We are not a bank, broker, lender, insurer, tax preparer, or registered investment adviser, and no content on this site is personalized financial, investment, legal, or tax advice.

2. Estimates, not guarantees

Every calculator output is an estimate produced by a simplified model using the assumptions you enter. Results ignore factors such as taxes, fees, inflation variability, market volatility, and lender-specific rules. Past performance does not guarantee future results. You are solely responsible for decisions you make. See our editorial policy and methodology for the exact formulas and their limits.

3. Acceptable use

• Use the site for lawful, personal, or internal business purposes.
• Do not scrape, mirror, or republish substantial portions of our articles without written permission.
• Do not attempt to disrupt the service, bypass security, or introduce malicious code.
• Do not misrepresent our content as professional financial advice to others.

4. Intellectual property

All text, calculator logic, design, and branding on FirePlanIO are owned by FirePlanIO and protected by copyright. You may quote short extracts with clear attribution and a link to the source page.

5. Your data

Calculations run entirely in your browser; the values you enter are not transmitted to us. Advertising and analytics providers may set cookies as described in our privacy policy, which forms part of these terms.

6. Third-party links and advertising

The site displays third-party advertising and may link to external websites. We do not control and are not responsible for third-party content, products, or practices.

7. Availability

The site is provided "as is" and "as available". We may change, suspend, or discontinue any part of it at any time, and we do not guarantee uninterrupted or error-free operation.

8. Limitation of liability

To the maximum extent permitted by law, FirePlanIO is not liable for any indirect, incidental, or consequential loss, including lost profits, savings, or investment losses, arising from your use of the site or reliance on its outputs.

9. Changes to these terms

We may update these terms; the effective date above will change and continued use constitutes acceptance of the revised terms.

10. Contact

Questions about these terms: contact@fireplanio.com or the contact page.