Terms of Service

RetireFlow - Terms of Service

Overview

This Terms of Service agreement (“Agreement”) is between you (“User”) and the developer of RetireFlow (“Developer”). By downloading, installing, or using the RetireFlow mobile application (“App”), you agree to be bound by these terms.

Additional terms and a Privacy Summary are presented within the App at first launch and require your explicit acceptance. Those in-app terms form part of this Agreement.

1. No Financial Advice

RetireFlow is an educational and informational tool designed to assist with personal retirement planning. The App does not provide financial, investment, legal, or tax advice.

The Developer is not a licensed financial advisor, broker, or tax professional.
All calculations — including Monte Carlo simulations, Backsolver results, AI Observations, and rule-based advisory notes — are hypothetical and do not guarantee future results.
You should consult with a qualified professional (CPA, Cross-Border Tax Expert, or Certified Financial Planner) before making any significant financial decisions.

2. Accuracy of Calculations

While the Developer strives for mathematical accuracy, the following limitations apply:

Tax Data Currency: Tax calculations are based on publicly available CRA and IRS data current as of April 2026, reflecting the 2026 tax year. Tax brackets, contribution limits, and government benefit thresholds are subject to change and the App may not reflect the most recent legislative updates.

Jurisdiction Coverage: The App models detailed progressive tax brackets for all 13 Canadian provinces and territories and all 50 US states plus the District of Columbia. Certain province- or state-specific credits, surtaxes, and levies are simplified; consult official CRA or IRS sources for your jurisdiction’s full rules.

Supported Accounts: Account types modeled include RRSP (with RRIF conversion), TFSA, 401(k)/Traditional IRA, and Roth IRA. FHSA, RESP, HSA, and 529 plans are not modeled.

Government Benefits: CPP and Social Security benefit amounts are user-entered estimates and are not calculated from your personal earnings history. OAS amounts and clawback thresholds are modeled based on April 2026 CRA data.

AI Observations: AI-generated insights are probabilistic. They may be incomplete, incorrect, or inconsistent. Do not rely solely on AI-generated summaries for financial planning.

User-Provided Inputs: All projections are based on data you enter. Incorrect input will produce incorrect projections.

3. Privacy and Data Storage

RetireFlow is designed with a Privacy-First architecture. All financial data you enter is stored locally on your device. The Developer does not collect or have access to your personal financial information.

No Cloud Sync: Because data is local, the Developer cannot recover your data if the App is deleted or the device is lost. You are responsible for any manual backups.

AI Features (Optional): If you enable AI Observations and provide your own API key, an anonymized financial projection summary is transmitted from your device directly to the AI provider you select (Google Gemini, OpenAI, or Anthropic). No names or birthdates are included in this payload. The Developer does not proxy, store, or have access to these transmissions.

No Analytics: The App does not include third-party analytics, telemetry, or crash-reporting SDKs. The Developer receives no usage statistics from the App.

Full details are provided in our Privacy Policy.

4. Subscriptions and Purchases

Apple App Store

Access to premium features — Monte Carlo Simulation, Backsolver, AI Observations, Save & Compare, and Custom Sensitivity Shifts — requires a valid subscription, Day Pass, or active free trial.

All transactions are handled by Apple Media Services via your Apple ID.

Billing: Payment is charged to your Apple ID account at confirmation of purchase.

Auto-Renewal: Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period. Your account will be charged for renewal within 24 hours prior to the end of the current period.

Cancellation: You may cancel or manage subscriptions at any time through your device Settings > Apple ID > Subscriptions.

Refunds: No refunds are provided for unused portions of a billing period. Refunds for App Store purchases are subject to Apple’s standard refund terms.

Lifetime License Scope: A “Lifetime” purchase grants access to premium features for the lifetime of the RetireFlow application in its current major version, as distributed through the App Store. The Developer reserves the right to release successor products as separate applications, which may not be covered by an existing lifetime license.

Feature Availability: The Developer reserves the right to modify, add, or remove premium features at any time without notice.

5. Limitation of Liability

This software is provided “as-is” and “as-available” without warranty of any kind, express or implied, including but not limited to the warranties of merchantability, fitness for a particular purpose, accuracy of tax calculations, or non-infringement.

To the maximum extent permitted by applicable law, the Developer shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of the App, including but not limited to financial losses, investment underperformance, tax penalties, missed opportunities, or reliance on App projections. You use RetireFlow at your own risk.

6. Intellectual Property

The App, including its code, algorithms (including the RetireFlow Backsolver and Monte Carlo engine), UI design, and branding, is the intellectual property of the Developer and is protected by copyright laws. You may not reverse-engineer, decompile, or attempt to extract the source code of the App.

7. Cross-Border and Residency Risks

Cross-border tax laws (including FBAR, T1135, and Deemed Disposition rules) are subject to change without notice. RetireFlow is a tool to help you visualize potential scenarios, but it cannot account for every legislative update or treaty nuance in real-time. Consult a qualified cross-border tax professional for your specific situation.

8. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

9. Termination

The Developer reserves the right to modify or discontinue the App at any time. Your license to use the App terminates automatically if you fail to comply with any terms of this Agreement.

10. Changes to These Terms

The Developer may update these Terms of Service from time to time. The “Last Updated” date at the top of this page reflects the most recent revision. Continued use of the App following any update constitutes acceptance of the revised terms.

11. Contact

For questions about these terms, please refer to the support contact information listed in the RetireFlow App Store listing.

These Terms of Service apply to the RetireFlow iOS application. This Agreement supplements Apple’s standard Licensed Application End User License Agreement.