Terms of Service

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IMPORTANT: Please read these Terms of Service carefully before using our Pension Calculator service. By accessing or using this service, you agree to be bound by these terms.

1. Acceptance of Terms

By accessing and using the Pension Calculator service ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, you must not use this Service.

2. Description of Service

The Pension Calculator is a web-based application that provides pension benefit calculations and estimates for police, fire, and public service employees. The Service allows users to:

Calculate individual pension benefits
Perform system-wide pension analysis
Compare different pension scenarios and parameters
Generate printable summaries and calculation walkthroughs

3. Educational and Informational Purpose

CRITICAL DISCLAIMER: This Service is provided for educational, informational, and estimation purposes only. The calculations, estimates, and projections provided are approximations and are NOT official pension determinations, official benefit statements, or binding commitments from any pension system or employer.

You acknowledge and agree that:

Results are estimates based on the information you provide and configured assumptions
Actual pension benefits may differ significantly from these estimates
You should always verify results with official sources, including your pension plan administrator or human resources department
You should consult with qualified financial advisors or retirement planning professionals for official advice

4. Data Processing and Storage

Our Service is designed with privacy and security in mind:

Local Processing: Calculations are performed using data you provide, which may be stored locally on your computer (e.g., in CSV files)
No Server Storage: We do not store, retain, or maintain your employee data, personal information, or calculation results on our servers
Immediate Processing: When you upload files for calculation, they are processed and immediately deleted from our servers after calculation completes
Your Responsibility: You are responsible for maintaining the security and confidentiality of your data stored locally on your computer

5. User Responsibilities

You agree to:

Provide accurate and complete information when using the Service
Use the Service only for lawful purposes and in accordance with these Terms
Not rely solely on Service estimates for retirement planning or financial decisions
Verify all calculations with official sources before making any decisions
Maintain the security of your account credentials
Not attempt to reverse engineer, decompile, or disassemble the Service
Not use the Service to violate any laws or regulations

6. Subscription Plans and Payments

Our Service offers different subscription plans:

Trial: Free 14-day trial with full functionality but masked financial results
Individual User: Annual subscription for individual pension calculations
System-Wide: Annual subscription for system-wide analysis and multiple employees

By subscribing, you agree to:

Pay all fees associated with your chosen subscription plan
Automatic renewal of annual subscriptions unless cancelled
Subscription terms and limitations as described in your plan

No Refund Policy

ALL SALES ARE FINAL - NO REFUNDS: Due to the nature of this Service, all subscription purchases are final and non-refundable. This policy applies because:

Free Trial Available: We provide a free 14-day trial period that allows you to fully test all functionality and determine if the Service meets your needs before making a purchase
Instant Data Access: The Service can provide all the data and calculations you need nearly instantly upon subscription activation, making it possible to extract full value immediately
Digital Service Nature: As a digital service that provides immediate access to calculations and results, refunds are not available once the Service has been accessed

By purchasing a subscription, you acknowledge that you have:

Utilized the free trial period to evaluate the Service
Determined that the Service meets your needs
Understood and agreed to this no-refund policy

If you have concerns about the Service, we encourage you to use the free trial period to fully evaluate all features before making a purchase decision.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to accuracy, completeness, timeliness, or fitness for a particular purpose.

You acknowledge and agree that:

The developers, operators, and owners of this Service are not responsible for any decisions made based on these calculations
We are not liable for any errors, omissions, or inaccuracies in the calculations or results
We are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Service
You assume all risk associated with using this tool
You will not hold us responsible for any financial losses or decisions made based on Service estimates

8. Accuracy and Changes

While we strive to provide accurate calculations:

We cannot guarantee the accuracy, completeness, or timeliness of any calculations
Pension plan rules, regulations, and legislation may change
Actual benefits may differ due to factors beyond our control
We reserve the right to modify, suspend, or discontinue the Service at any time
We may update these Terms of Service, and continued use constitutes acceptance of changes

9. Intellectual Property

The Service, including its design, code, calculations, and content, is protected by copyright, trademark, and other intellectual property laws. You may not:

Copy, modify, or distribute the Service or its components
Use our trademarks or logos without permission
Reverse engineer or attempt to extract source code
Use the Service to create competing products

10. Account Security

You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Notifying us immediately of any unauthorized access
Using strong, unique passwords

Device Limits

To protect account security and prevent unauthorized account sharing, we limit the number of devices that can access each account. Device limits are enforced using hardware identification and vary by subscription type.

Important: Device limit resets are based on your subscription renewal date (subscription anniversary), not the calendar year. Each user's reset date is unique based on when they first subscribed. For example, if you subscribed on March 15th, your device limits reset every March 15th when your subscription renews.

Individual Subscription:

Concurrent Devices: Maximum of 3 devices (includes cushion for payment device)
Device Changes: No device changes allowed during the year
Annual Reset: All device registrations are cleared on your subscription renewal date (subscription anniversary), not calendar year
Total Devices Per Year: 3 devices (resets annually, allowing 3 new devices each year)

System-Wide Subscription:

Concurrent Devices: Maximum of 5 devices (designed for union boards with 4 members + payment device cushion)
Device Changes: Up to 4 device changes per year
Change Rules: Each device can only be changed once per year
Annual Reset: Device change count resets on your subscription renewal date (subscription anniversary), not calendar year (devices remain registered)
Total Devices Per Year: 9 unique devices (5 initial + 4 changes)

Device Registration: When you log in from a device, our system creates a unique hardware identifier based on device characteristics (browser, screen resolution, timezone, etc.). This identifier is used to track registered devices. We only store a hash of this information, not full device details.

Reaching Device Limits:

If you reach your device limit, you'll see a message explaining the limit and your subscription anniversary date
Individual subscriptions cannot change devices during the year - you must wait for the annual reset
System-Wide subscriptions can replace devices if you have changes remaining
If you need to use a new device outside of normal limits, contact support

Account Sharing Prohibition: Device limits are designed to prevent account sharing while allowing legitimate multi-device use. Sharing your account credentials or allowing unauthorized access violates these Terms of Service and may result in account termination.

Privacy: Device hardware IDs are used solely for account security. We do not share this information with third parties, and you can view and manage your registered devices in your account settings.

11. Termination

We reserve the right to:

Terminate or suspend your access to the Service at any time, with or without cause
Terminate accounts that violate these Terms
Modify or discontinue the Service at any time

You may cancel your subscription at any time through your account settings or by contacting us.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions. Any disputes arising from these Terms or use of the Service shall be resolved through appropriate legal channels.

13. Contact Information

If you have questions about these Terms of Service, please contact us through the contact information provided in the Service.

14. Acknowledgment

By using this Service, you acknowledge that:

You have read and understood these Terms of Service
You agree to be bound by these terms
You understand that this tool is for educational, informational, and estimation purposes only
You will not rely solely on these estimates for retirement planning or financial decisions
You will verify all results with official sources
You assume all risk associated with using this tool

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