Terms of Service & Acceptable Use
By accessing retirelab.dev, the RetireLab API (api.retirelab.dev), or any other RetireLab service, you agree to these terms. If you do not agree, do not use the service.
1. What RetireLab is
RetireLab is an educational retirement simulation tool classified under DOL Interpretive Bulletin 96-1 Category 4 (Interactive Investment Materials). It provides generic Monte Carlo projections and hypothetical scenarios to help users learn about retirement planning concepts.
RetireLab does not provide personalized financial, investment, tax, or legal advice. Nothing on retirelab.dev or returned by the RetireLab API constitutes a recommendation to buy or sell any security. See the full disclaimer for details.
Privacy
Your use of RetireLab is also governed by our Privacy Policy, which describes how we collect, use, and protect information you provide. By using the service you agree to the Privacy Policy as incorporated into these terms by reference.
2. Accounts & API keys
You are responsible for maintaining the confidentiality of your account credentials and API keys. Do not share API keys publicly (e.g., in public repositories or forums). RetireLab is not responsible for unauthorized use arising from your failure to secure your credentials.
Authentication and account data are managed by Supabase, our identity and database provider. By creating an account you agree to Supabase's terms of service in addition to these terms.
You must provide accurate information when creating an account. One account per individual or organization is permitted; do not create accounts to circumvent quotas or suspensions.
3. Subscription plans & billing
Paid plans are billed monthly or annually via Stripe. All prices are in USD. Payments are non-refundable except where required by law.
Quota enforcement — Each plan includes a monthly simulation quota. Calls beyond your plan quota are rejected with a 429 response until your quota resets at the start of the next calendar month.
Cancellation — You may cancel your subscription at any time from the billing portal in your dashboard. Access continues until the end of the current billing period, then downgrades to the free tier.
Plan changes — RetireLab reserves the right to change plan pricing or features with 30 days' notice to registered users.
4. Acceptable use policy
You may use the RetireLab API and website for lawful purposes only. The following are prohibited:
- ✗Using the API to generate or present results as personalized financial advice, fiduciary recommendations, or investment guidance to end users
- ✗Reselling or sublicensing API access without a written white-label agreement with RetireLab
- ✗Attempting to circumvent rate limits, quotas, or authentication controls through any means (proxy, credential sharing, automated account creation, etc.)
- ✗Reverse engineering the simulation engine or attempting to extract proprietary algorithms from API responses
- ✗Using the service to send unsolicited communications or operate spam campaigns
- ✗Scraping retirelab.dev in a manner that degrades service for other users
- ✗Violating any applicable local, state, national, or international law or regulation
Violation of this policy may result in immediate suspension or termination of your account without refund.
5. Intellectual property
The RetireLab simulation engine, API, website, and all associated content are owned by RetireLab and protected by applicable intellectual property laws. These terms do not grant you any rights to the RetireLab brand, trademarks, or source code.
Simulation inputs you provide remain yours. By submitting inputs you grant RetireLab a limited license to process them solely for the purpose of running your simulation. Inputs are not stored after the response is returned.
6. Disclaimer of warranties
RetireLab is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that simulation results are accurate predictions of future investment outcomes.
7. Limitation of liability
To the maximum extent permitted by law, RetireLab's liability for any claim arising from your use of the service is limited to the amount you paid to RetireLab in the three months prior to the claim. RetireLab is not liable for indirect, incidental, special, consequential, or punitive damages, including financial losses arising from reliance on simulation results.
8. Governing law
These terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. Any dispute arising from these terms or your use of the service will be subject to the exclusive jurisdiction of the state and federal courts located in Delaware.
9. Changes to these terms
We may update these terms as the service evolves. Material changes will be communicated by email to registered users at least 14 days before taking effect. Continued use of the service after the effective date constitutes acceptance of the updated terms.
Questions about these terms? support@retirelab.dev