Terms of Service

Last updated: January 2026

Welcome to MY FIRE JOURNEY. By downloading, installing, or using our application, you agree to be bound by these Terms of Service.

1. Acceptance of Terms

By accessing or using FIRE App, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our app.

2. Description of Service

MY FIRE JOURNEY is a personal finance planning tool that helps users:

• Calculate their FIRE (Financial Independence, Retire Early) number
• Track income, expenses, and portfolio growth
• Create and compare financial scenarios
• Visualize their path to financial independence

3. Financial Disclaimer

You acknowledge and agree that:

• All calculations, projections, and estimates are for informational purposes only
• Past performance does not guarantee future results
• The 4% rule and other financial models are theoretical and may not apply to your situation
• You should consult with qualified financial, tax, and legal professionals before making financial decisions
• We are not responsible for any financial decisions you make based on the app's calculations

4. User Responsibilities

When using FIRE App, you agree to:

• Provide accurate information for calculations
• Keep your account credentials secure
• Use the app for personal, non-commercial purposes only
• Not attempt to reverse engineer or modify the app
• Not use the app for any unlawful purpose

5. Accuracy of Information

While we strive to provide accurate calculations:

• We do not guarantee the accuracy, completeness, or timeliness of any information
• Financial projections are estimates based on assumptions that may not reflect reality
• You are responsible for verifying any calculations before making decisions

6. Account Terms

If you create an account:

• You must provide accurate and complete information
• You are responsible for maintaining the security of your account
• You must notify us immediately of any unauthorized access
• We reserve the right to suspend or terminate accounts that violate these terms

7. Intellectual Property

FIRE App and its original content, features, and functionality are owned by us and are protected by international copyright, trademark, and other intellectual property laws.

8. Limitation of Liability

To the maximum extent permitted by law:

• FIRE App is provided "as is" without warranties of any kind
• We are not liable for any indirect, incidental, special, or consequential damages
• We are not liable for any loss of profits, data, or financial losses
• Our total liability shall not exceed the amount you paid for the app (if any)

9. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of significant changes through the app or via email. Continued use of the app after changes constitutes acceptance of the new terms.

10. Termination

We may terminate or suspend your access to the app immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the app will cease immediately.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions.

12. Contact Us

If you have any questions about these Terms of Service, please contact us at:

legal@retireearly.app