Terms & Conditions

Last updated June 2026

Please read these terms carefully before using RetireSmart (the "Site"). By accessing or using the Site, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Site.

1. Educational use only — not financial advice

All content on RetireSmart, including calculators, projections, guides, and articles, is provided for general informational and educational purposes only. It does not constitute financial, investment, tax, legal, or other professional advice and should not be relied on as such. You should consult a qualified financial adviser regulated in your jurisdiction before making any financial decisions.

2. Accuracy and projections

Our calculators use simplified financial models and assumptions you provide (such as expected return, inflation rate, and contribution amounts). Real-world investment returns vary and may be significantly lower than projected. Past performance is not a reliable indicator of future results. We make no warranty that any projection, calculation, rule, or statement on the Site is accurate, complete, or current.

3. No liability

To the fullest extent permitted by law, RetireSmart and its operators are not liable for any loss or damage — direct, indirect, incidental, consequential or otherwise — arising out of or in connection with your use of the Site, reliance on its content, or any financial decisions you make based on it.

4. Third-party links and advertising

The Site displays advertising provided by third-party networks (including Google AdSense) and may link to external websites. We do not endorse and are not responsible for the content, products, services, or practices of any third party. Your interactions with advertisers or linked sites are solely between you and that third party.

5. Cookies and analytics

We and our advertising partners may use cookies and similar technologies to measure traffic and to serve relevant ads. By continuing to use the Site, you consent to the use of cookies as described. You can control cookies through your browser settings.

6. Intellectual property

All content on the Site — text, calculators, design, logos and code — is the property of RetireSmart or its licensors and is protected by applicable intellectual property laws. You may view and share links to our content for personal, non-commercial purposes. You may not copy, republish, or redistribute substantial portions of the Site without our written permission.

7. Acceptable use

You agree not to use the Site in any way that is unlawful, infringes the rights of others, or interferes with its operation or security, including (without limit) scraping at a rate that impacts other users, attempting to gain unauthorised access, or using the Site to distribute malware.

8. Changes to the Site and these terms

We may update the Site, its calculators, and these terms from time to time. Material changes will be reflected by updating the "Last updated" date above. Your continued use of the Site after a change constitutes acceptance of the revised terms.

9. Governing law

These terms are governed by the laws of England and Wales. Any disputes arising from your use of the Site shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless mandatory consumer-protection laws in your country of residence apply.

10. Contact

Questions about these terms can be sent through the Site's contact channels listed in the footer.