⚠️ IMPORTANT DISCLAIMER:

This tool provides historical analysis for educational purposes only. It is NOT personalized financial, investment, tax, or legal advice. Past performance does not predict future results. The "4% rule" is a simplified guideline that may not suit your situation.

Always consult qualified professionals before making financial decisions. By using this site, you accept our Terms of Service and Privacy Policy.

Terms of Service

Last Updated: January 2025

⚠️ Important: By using this website, you agree to these Terms of Service. If you do not agree, please do not use this site.
1. NO INVESTMENT ADVICE

This website does NOT provide investment, financial, legal, or tax advice.

The Four Percent Rule Analyzer is an educational tool that provides historical market analysis only. All content, calculations, and results are for informational and educational purposes only and should not be construed as:

  • Personal investment advice
  • Financial planning recommendations
  • Tax guidance
  • Legal counsel
  • A solicitation to buy or sell securities

No Fiduciary Relationship: Use of this website does not create any advisor-client, fiduciary, or professional relationship between you and the website operators.

2. NO WARRANTIES OR GUARANTEES

This website and all information provided is on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to:

  • Accuracy, completeness, or reliability of information
  • Fitness for a particular purpose
  • Non-infringement
  • Future performance or results

Historical Data Limitations: Past performance does not predict or guarantee future results. Historical market scenarios may not reflect future economic conditions, unprecedented events, or systemic changes.

3. ASSUMPTION OF RISK

By using this website, you acknowledge and agree that:

  • Investment and retirement planning involve substantial risk, including complete loss of capital
  • The "4% rule" is a simplified guideline that may not be appropriate for your situation
  • Individual circumstances vary greatly and require personalized professional advice
  • You are solely responsible for your financial decisions
  • You will consult qualified professionals before making financial decisions
4. LIMITATION OF LIABILITY

To the maximum extent permitted by law:

The website operators, owners, employees, agents, and affiliates shall NOT be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

  • Financial losses
  • Lost profits or savings
  • Loss of data
  • Investment losses
  • Retirement shortfalls

This limitation applies whether based on warranty, contract, tort (including negligence), or any other legal theory, regardless of whether we have been advised of the possibility of such damages.

5. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless the website operators and affiliates from any claims, losses, damages, liabilities, and expenses (including attorneys' fees) arising from:

  • Your use of this website
  • Your financial or investment decisions
  • Your violation of these Terms of Service
  • Your violation of any applicable laws or regulations
6. ACCURACY OF INFORMATION

While we strive for accuracy, we make no representations about the accuracy, completeness, or timeliness of:

  • Historical market data
  • Calculations and algorithms
  • Analysis results
  • Third-party data sources

Users should independently verify all information and not rely solely on this tool for decision-making.

7. USER RESPONSIBILITIES

By using this website, you represent and warrant that:

  • You are at least 18 years of age
  • You will use the site only for lawful purposes
  • You understand this is an educational tool only
  • You will seek professional advice for your specific situation
  • You will not rely solely on this tool for financial decisions
8. INTELLECTUAL PROPERTY

All content on this website, including text, graphics, code, and algorithms, is protected by copyright and other intellectual property laws. Historical market data is sourced from public sources including the Federal Reserve and S&P indices.

You may use the website for personal, non-commercial purposes only. Any other use requires written permission.

9. PRIVACY

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

10. MODIFICATIONS

We reserve the right to modify these Terms of Service at any time. Continued use of the website after changes constitutes acceptance of the modified terms.

11. GOVERNING LAW & DISPUTES

These Terms of Service are governed by the laws of the United States and the state in which the website operator is located, without regard to conflict of law principles.

Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12. CONTACT INFORMATION

For questions about these Terms of Service, please contact us through the information provided on this website.

Acceptance of Terms

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree, you must discontinue use immediately.