Terms of Service
1. Acceptance and Scope
These Terms govern your use of the educational retirement savings scenario planner run by childrenit.info, Corp. By using it you accept them. The tool is educational only, not personalized advice, and we are not registered under the Investment Advisers Act of 1940.
2. Acceptable Use
Do not break the law, scrape outputs, or disrupt our systems. Unfair or deceptive acts or practices, including deceptive advertising, are prohibited under the Federal Trade Commission Act Section 5, 15 U.S.C. § 45.
3. Intellectual Property
All content belongs to childrenit.info or its licensors. You get a limited, non-transferable license for personal educational use. Send notices under the Digital Millennium Copyright Act of 1998, DMCA, to [email protected].
4. Privacy
See our Privacy Policy. California residents have rights under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020. We follow the California Online Privacy Protection Act of 2003, CalOPPA, and the Children's Online Privacy Protection Act, COPPA.
5. Disclaimers and Liability
The service is "as is" without warranties; outputs depend on your assumptions and may be inaccurate. To the extent permitted by law, childrenit.info and its personnel are not liable for indirect, incidental, special, consequential, or punitive damages or lost profits; total liability will not exceed US$100.
6. Changes and Governing Law
We may update these terms by posting a revised version. California law governs, with exclusive venue in San Francisco County, California.