Terms and Conditions of Use

1. Acceptance of Terms

By downloading, installing, or using the Better Retirement app ("App"), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, please do not use the App.

2. Purpose of the App

Better Retirement is designed to help users plan for retirement through financial projections and modeling. It is intended for educational and informational purposes only and does not constitute financial advice. You should consult a licensed financial advisor before making any financial decisions.

3. User Accounts

• You may use the app either:
  • Anonymously (without linking an email or identity), or
  • By signing in with a third-party OAuth provider (e.g., Google, Apple, etc.)
• For OAuth sign-ins, we collect your display name and email address solely for account management.
• Anonymous users can still access full functionality, but their data will only persist on the device unless linked to an account.
• You are responsible for managing access to your device and ensuring any OAuth account used is secure.

4. Data Collection and Use

We collect and store personal and financial information you input to provide retirement planning functionality. This includes:

• Account information (email, user ID, display name, if provided)
• Financial data (salary, contributions, growth rates)
• Retirement parameters (age, investment assumptions)

Your data is stored securely in Firebase and locally on your device. You can view, update, or delete your data at any time.

See our full Privacy Policy for details.

5. Data Security and Privacy

• All data is encrypted in transit and stored securely.
• Your data is never sold or shared with third parties.
• Account deletion removes all personal and stored data.
• Anonymized financial patterns may be retained for analytics and improvement.

6. User Conduct

You agree not to:

• Use the app for illegal or unauthorized purposes.
• Attempt to gain unauthorized access to our systems.
• Misuse, disrupt, or damage the app or services.

7. Intellectual Property

All content, logos, code, and designs are owned by the developer. You may not copy, reproduce, or distribute any part of the app without written permission.

8. Disclaimers

• The App is provided "as is" without warranties of any kind.
• We do not guarantee accuracy of projections or calculations.
• We are not responsible for financial decisions made based on the app.
• Past performance does not guarantee future results.

9. Limitation of Liability

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the app.

10. Changes to Terms

We may update these terms from time to time. We will notify you of any material changes through the app or by email.

11. Contact Information

For questions about these terms, contact us at:

support@betterretirement.app