Terms of Use and Community Rules
Effective 2 October 2026 · Read before using the tools or submitting content.
Tools and Information
The calculators and information on this website are provided for education and preliminary planning. Results depend on the information and assumptions you enter. They are not individualized financial, legal or medical advice, and no future result is guaranteed.
Always check the reference date and source on each page. Information from external organizations may change or be revised. Your use of external websites is subject to their own terms.
Information You Save
Information saved in the User Portal is stored in Local Storage in the browser on your current device and is not synced across devices. You are responsible for backing it up before clearing browser data or changing devices. Read more in the Privacy Policy.
Community Content Rules
- Submit only content you have the right to publish, and do not violate the law or another person’s rights.
- Do not publish passwords, bank account numbers, national ID numbers, private addresses, or identifiable personal financial or health information.
- Content submitted to a community area is public; other people may read or save it.
- To report an issue or request content removal, contact song.tor.asset@gmail.com.
Changes to These Terms
We may update these terms to reflect changes to the service. Check this page when using important features. Continuing to use the site after a change takes effect means you acknowledge the latest terms.