Last updated: August 10, 2026
These Terms of Service (the "Terms") govern your access to and use of the Retirement Scenario Lab website, application, and related services (collectively, the "Service"), operated by Jacobus Company, LLC ("Company," "we," "us," or "our"). Please read these Terms carefully. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
By accessing, browsing, or using the Service, you represent that (a) you are at least the age of majority in your jurisdiction, (b) you have the legal capacity to enter into these Terms, and (c) you agree to comply with these Terms and all applicable laws. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization, and "you" refers to that organization.
We may require you to accept updated Terms in order to continue using the Service.
Retirement Scenario Lab is an educational and informational illustration tool for hypothetical financial modeling. Only fictional data should be entered. The Service lets a user enter assumptions, such as expected returns, inflation rates, contribution and withdrawal amounts, time horizons, and asset-allocation percentages, and then performs transparent calculations to display hypothetical projections, including Monte Carlo simulations, scenario comparisons, and stress tests.
The Service is not, and does not provide:
The Service holds no money or assets, does not custody or transmit funds, and does not link to or connect with any brokerage, banking, or investment account. See Section 6 (No Advice) and the Disclaimer.
Not a registered adviser. Jacobus Company, LLC is not a registered investment adviser, broker-dealer, or financial planner, and is not registered with the U.S. Securities and Exchange Commission, FINRA, or any state securities authority. Nothing in the Service is a solicitation or an offer to buy or sell any security.
Downloaded copies. These Terms also govern any copy of the application you download and run locally on your own device (including copies obtained from our source repository). The in-app acceptance of these Terms applies equally to local use.
Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your own personal, non-commercial, educational purposes. We reserve all rights not expressly granted. All intellectual property in and to the Service, including software, design, text, and trademarks, is and remains the property of the Company or its licensors.
The Service offers limited free use for exploring scenarios; saving, exporting, sharing, downloading, and keeping more than one scenario require a paid Pro plan. On purchase you receive a license key granting a personal, non-transferable Pro license; we (or our provider) may validate the key, including periodic automatic re-validation by the application. Do not share, resell, or publish your license key.
Pro is an optional paid upgrade. It is a one-time charge of $14.99 for a 12-month license. It does not auto-renew — you will not be charged again, and there is nothing to cancel. When the 12 months end, Pro features are disabled after a short grace period; the free tier continues to work and your saved scenarios remain in your browser. One purchase permits up to 5 device activations. Except where a refund is required by applicable law, all purchases are final and non-refundable. Payment and license delivery are handled by our third-party provider (Polar), which acts as merchant of record; their terms and tax handling apply to the transaction.
Updates and support. Your 12-month Pro license includes product updates we release during its term. Support is provided on a self-service basis through our help documentation only (see the Support page); we do not provide guaranteed one-to-one support. Receipts and billing are self-service through the provider's customer portal.
If you opt in to updates or purchase Pro, you agree we may send you related emails, product updates, and transactional or support messages about your purchase. Marketing emails include an unsubscribe link and you may opt out at any time; we may still send essential transactional messages about a purchase. We do not require an email address to use the Tool. See the Privacy Policy.
Any historical market, inflation, or interest-rate figures used in the Service are provided for educational reference from public and third-party sources, without warranty of accuracy or completeness. Retirement Scenario Lab is independent and is not affiliated with, sponsored by, or endorsed by any index provider or data source, and no such provider is responsible for the Service or its output. Any reference to a broad market index describes a general category, not any specific commercial index product.
You agree not to:
We may suspend or terminate access for any violation of these Terms.
You retain ownership of the assumptions, figures, and other information you enter ("User Inputs"). You are solely responsible for the accuracy and legality of your User Inputs. You grant us a limited license to process User Inputs only as necessary to operate and provide the Service, as further described in the Privacy Policy. You represent that you have the right to submit your User Inputs.
You acknowledge and agree that the Service is for educational and informational purposes only. All output is hypothetical and based entirely on assumptions you supply; it is not a prediction, guarantee, or recommendation, and it does not constitute investment, tax, or legal advice. The Company is not your fiduciary and does not evaluate the suitability of any investment for you. Past performance and any assumptions used do not predict future results. You are solely responsible for your own decisions and should consult a licensed fiduciary professional before acting. The full Disclaimer is incorporated into these Terms by reference.
You understand that financial markets are uncertain and that any modeling involves significant limitations. You voluntarily assume all risk associated with your use of the Service and any decisions you make in connection with it. You agree that you will not rely on the Service as the sole basis for any financial, investment, tax, or legal decision.
THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY OF ACCURACY, COMPLETENESS, RELIABILITY, OR AVAILABILITY. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any calculation or projection is accurate, reasonable, or achievable. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, INVESTMENT LOSSES, LOSS OF DATA, LOSS OF GOODWILL, OR LOSS OF SAVINGS, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE OR ITS OUTPUT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE TOTAL AMOUNTS YOU PAID TO THE COMPANY FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. BECAUSE UNPAID USE OF THE SERVICE IS PROVIDED AT NO CHARGE, YOU PAY NOTHING FOR IT, AND THE COMPANY'S MAXIMUM AGGREGATE LIABILITY TO YOU FOR ANY UNPAID USE IS USD $0.00 (ZERO DOLLARS).
Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; nothing here limits liability that cannot be limited by law.
You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your User Inputs; (c) your violation of these Terms or applicable law; or (d) any decision you make based on the Service or its output.
We may modify, suspend, or discontinue all or part of the Service at any time, with or without notice. We may also revise these Terms from time to time; the updated Terms will be posted with a new effective date, and your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
We may suspend or terminate your access to the Service at any time, with or without cause or notice. Upon termination, the licenses granted to you end, while Sections 6–10, 13, and 14 survive.
These Terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws principles, together with applicable U.S. federal law. Subject to the arbitration provision in Section 13A, you agree that any permitted legal action will be brought exclusively in the state or federal courts located in North Carolina, in the county where Jacobus Company, LLC maintains its principal place of business, and you consent to the personal jurisdiction and venue of those courts and waive any objection based on inconvenient forum.
Jury-trial waiver. To the fullest extent permitted by law, you and the Company each waive any right to a trial by jury in any proceeding arising out of or relating to these Terms or the Service.
Time limit on claims. Any claim arising out of or relating to these Terms or the Service must be commenced within one (1) year after the claim arises; otherwise it is permanently barred, to the fullest extent permitted by law.
Please read this Section carefully, it affects your legal rights.
In plain English: you and the Company agree to resolve most disputes through individual arbitration instead of in court, and to give up the right to a jury trial and to participate in a class action. You can bring a qualifying claim in small-claims court instead, and you have 30 days to opt out of arbitration (see subsection (d) below). By checking the box on first use you agree to these Terms (including the arbitration provision).
(a) Agreement to arbitrate. Except as set out below, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") will be resolved by final and binding individual arbitration, rather than in court, administered by the American Arbitration Association under its then-current consumer arbitration rules. Judgment on the award may be entered in any court of competent jurisdiction.
(b) Class-action waiver. You and the Company agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any class or representative proceeding.
(c) Exceptions. Either party may (i) bring an individual claim in small-claims court if it qualifies, and (ii) seek injunctive or equitable relief in court to protect intellectual-property or unauthorized-access matters.
(d) Opt-out. You may opt out of this arbitration agreement by sending written notice to scenario-labs@julieclarkson.com within 30 days of first accepting these Terms; if you opt out, Section 13 (Governing Law) governs disputes in court.
(e) Severability. If the class-action waiver in (b) is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court; the rest of this Section remains in effect.
These Terms, together with the Disclaimer and Privacy Policy, constitute the entire agreement between you and the Company regarding the Service. If any provision is held unenforceable, the remaining provisions will remain in effect. Our failure to enforce any right is not a waiver. You may not assign these Terms without our consent; we may assign them freely. These Terms create no third-party beneficiaries. The Company is not responsible for any failure or delay caused by events beyond its reasonable control (including outages, acts of God, or third-party service failures). Section headings are for convenience only and do not affect interpretation.
Questions about these Terms may be sent to:
Jacobus Company, LLC
scenario-labs@julieclarkson.com