Last updated: May 2026
By accessing or using Retirement Lab ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. We reserve the right to update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the revised Terms.
You must be at least 18 years old to create an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to provide accurate and complete information during registration and to keep your account information up to date.
Retirement Lab offers a Free tier and a paid Pro tier. The Free tier is available at no cost and includes core simulation features. The Pro tier unlocks advanced engine capabilities and higher usage limits. Feature availability may change over time - current details are listed on the Pricing page.
You agree not to:
All content, code, algorithms, models, designs, and trademarks associated with Retirement Lab are the exclusive property of Retirement Lab or its licensors. Your use of the Service does not grant you any ownership rights. You retain ownership of the data you input into the Service.
Data on request: You may request a copy of the personal data and simulation records associated with your account at any time by emailing support@retirement-lab.com. We will provide a JSON copy of your data within a reasonable timeframe (typically within seven (7) business days), at no cost.
Retirement Lab is a simulation tool for informational and educational purposes only. It does not provide financial, tax, investment, or retirement planning advice. Simulation results are hypothetical projections based on mathematical models and assumptions - they are not predictions of future performance. You should not make financial decisions based solely on the output of this Service. Always consult a qualified financial advisor before making retirement or investment decisions.
You expressly acknowledge and agree that your use of the Service is entirely at your own risk. All simulation outputs, projections, and data are provided for informational purposes only. Any decisions you make - including but not limited to financial, investment, tax, or retirement planning decisions - based on information obtained from the Service are solely your responsibility. Retirement Lab has no duty of care to you regarding any such decisions.
The Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, and non-infringement. Retirement Lab does not warrant that the Service will be uninterrupted, error-free, or that simulation results will be accurate or reliable for any purpose.
To the maximum extent permitted by applicable law, Retirement Lab, its operators, developers, affiliates, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages whatsoever - including but not limited to loss of profits, revenue, savings, data, investment losses, or financial losses - arising out of or in any way connected with your use of, or inability to use, the Service, even if advised of the possibility of such damages. This exclusion applies regardless of the theory of liability (contract, tort, strict liability, or otherwise). Where applicable law does not allow the complete exclusion of liability, our total aggregate liability shall not exceed the lesser of (a) the amount you paid for the Service in the twelve (12) months preceding the claim, or (b) USD 50.
You agree to indemnify, defend, and hold harmless Retirement Lab, its operators, developers, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the Service, your violation of these Terms, or any decisions you make based on simulation results.
We may suspend or terminate your individual access to the Service at any time, with or without cause, with or without notice - including (without limitation) for breach of these Terms, fraudulent activity, or behaviour that compromises the security or integrity of the Service. You may terminate your account at any time by contacting us. Upon termination, your right to use the Service ceases immediately, though we may retain your data as required by law or for legitimate business purposes. This Section 11 governs the termination of individual accounts; discontinuation of the Service as a whole is governed by Section 12.
We reserve the right to modify, suspend, or permanently discontinue the Service - in whole or in part - at any time and for any reason, including but not limited to unsustainable operating costs, lack of commercial viability, technical infeasibility, regulatory changes, or strategic considerations. Retirement Lab is operated by a small independent team and the continued operation of the Service is not guaranteed in perpetuity.
In the event of permanent discontinuation, the following terms apply:
These Terms are governed by and construed in accordance with the laws of Switzerland. Any disputes arising from or related to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Zurich, Switzerland.
For questions about these Terms, contact us at: legal@retirement-lab.com