Effective Date: December 25, 2025
The calculation logic, interface, and the proprietary retirement algorithm are the exclusive intellectual property of ThreeOneOGirl LLC. Our algorithm is Patent Pending. Users are granted a limited, personal license. Any attempt to reverse-engineer, "scrape," or replicate the logic of the algorithm for commercial use is strictly prohibited and will be prosecuted to the fullest extent of international law.
This app is a digital tool intended for informational and educational purposes only. It does not provide financial, investment, legal, or tax advice. The results are mathematical projections based on your inputs and assumptions. ThreeOneOGirl LLC is not a fiduciary or a financial advisor. You should consult with a licensed professional before making any financial decisions.
You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country. You agree to comply with all local laws regarding online conduct and data transmission in your country of residence.
To the maximum extent permitted by applicable law (including the laws of your jurisdiction), ThreeOneOGirl LLC shall not be liable for any direct, indirect, or consequential damages resulting from errors in the app, calculation inaccuracies, or financial losses incurred through reliance on the app's outputs.
All billing is handled by Apple Inc. via the App Store. Your subscription is governed by Apple's Standard EULA and payment terms. Managed via your Apple ID settings.
These Terms are governed by the laws of the State of Florida, USA, without regard to conflict of law principles. Any dispute not settled informally shall be subject to the exclusive jurisdiction of the courts in Florida.