Terms of Service

1 Acceptance of Terms

Welcome to Fire Trajectory. By accessing or using our web application at firetrajectory.com (the “Service”), you agree to be bound by these Terms of Service (“Terms”), our Privacy Policy, and all applicable laws and regulations. Please read them carefully.

If you do not agree to these Terms, you may not access or use the Service.

Electronic agreement: By clicking “Sign Up,” creating an account, or using the Service, you are entering into a legally binding agreement with Fire Trajectory. This constitutes your electronic signature and consent under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001) and applicable state laws. You consent to receive all notices, disclosures, and communications electronically.

2 Description of Service

Fire Trajectory is a personal finance planning tool designed to help individuals track their path to Financial Independence and Early Retirement (FIRE). The Service includes features such as:

• Budget and expense tracking, bill calendar and payment reminders
• Subscription tracking and savings goal planning
• Debt payoff calculator (Snowball and Avalanche methods)
• Net worth tracking
• Multiple FIRE calculators and retirement account projections (Pro)
• What-If scenario builder and planning tools suite (Pro)
• Household & partner mode with shared budget tracking (Pro)

3 Eligibility & Account Registration

To use the Service, you must be at least 16 years of age (or the minimum age required in your jurisdiction). By creating an account, you represent and warrant that you meet this requirement.

By registering, you agree to:

• Provide accurate, current, and complete information.
• Maintain the security and confidentiality of your password and not share your credentials.
• Notify us immediately at support@firetrajectory.com if you suspect unauthorized access.
• Create only one account per person — duplicate accounts may be removed without notice.

You are solely responsible for all activity under your account, whether or not authorized by you.

4 Acceptable Use

You agree not to use Fire Trajectory to:

• Violate any applicable law, regulation, or these Terms.
• Attempt to reverse engineer, decompile, disassemble, scrape, or copy the Service or its source code.
• Interfere with or disrupt the integrity, security, or performance of the Service or its infrastructure.
• Attempt to gain unauthorized access to the Service, other users’ accounts, or our systems.
• Share, sell, sublicense, or transfer your account access to any other person.
• Submit false, misleading, or fraudulent information.
• Use the Service for any commercial purpose without our express prior written consent.
• Introduce malware, viruses, or other harmful code.
• Use automated means (bots, scrapers, crawlers) to access the Service.
• Circumvent or attempt to circumvent any rate limiting, security measures, or access controls.

We reserve the right to suspend or terminate accounts that violate these policies, with or without prior notice depending on the severity.

5 Free & Pro Subscription Plans

Free Plan: The core tools — dashboard, budget tracker, debt payoff calculator, bill calendar, net worth tracker, savings goals, and subscription tracker — are available at no cost with no time limit and no credit card required.

Pro Plan

Advanced features require a paid Pro subscription:

• Pro is billed monthly ($9/month) or annually ($79/year), processed securely by Stripe, Inc.
• All prices are in U.S. dollars. Sales tax may apply based on your location as required by law.
• Payment is charged at the time of subscription and recurs automatically at the end of each billing cycle until you cancel.

California Auto-Renewal Disclosure (Business & Professions Code § 17600–17606)

Refund Policy

• We do not offer refunds for partial billing periods, except where required by applicable law.
• If you believe you were charged in error, contact support@firetrajectory.com within 14 days of the charge.
• If your Pro subscription lapses, your data is retained but Pro features become inaccessible until you resubscribe.

6 Your Data & Data Accuracy

Your data is yours. The financial information you enter into the Service remains your property at all times. We claim no ownership over your personal financial data. You may delete your data at any time. Data export is available to Pro subscribers.

Data accuracy: You are solely responsible for the accuracy and completeness of the data you enter. Fire Trajectory performs calculations based on the inputs you provide. Incorrect, incomplete, or outdated inputs will produce inaccurate results. We are not responsible for decisions made based on incorrect data inputs.

No verification: We do not verify, audit, or validate any financial data you enter. The Service accepts your inputs at face value and does not connect to banks, brokerages, or other financial institutions.

7 Intellectual Property

All code, design, graphics, text, logos, and content that make up Fire Trajectory are owned by Fire Trajectory and protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Service without our express written permission.

The Fire Trajectory name, logo, and related marks are trademarks of Fire Trajectory. You may not use them without our prior written consent.

8 Copyright Infringement (DMCA)

We respect intellectual property rights. If you believe that content available through the Service infringes your copyright, you may submit a notice under the Digital Millennium Copyright Act (17 U.S.C. § 512) to our designated agent:

• Email: legal@firetrajectory.com
• Subject: “DMCA Takedown Notice”

Your notice must include: (1) identification of the copyrighted work; (2) identification of the infringing material and its location; (3) your contact information; (4) a statement of good-faith belief that the use is not authorized; (5) a statement under penalty of perjury that your notice is accurate and you are the copyright owner or authorized to act on their behalf; and (6) your physical or electronic signature.

9 Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, RELIABILITY, OR NON-INFRINGEMENT.

We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free.
• Projections, calculations, or estimates are accurate, complete, or suitable for your individual financial circumstances.
• Results obtained from use of the Service will be accurate, reliable, or meet your expectations.
• The Service will be compatible with all devices, browsers, or operating systems.
• Defects or errors will be corrected within any specific timeframe.

Fire Trajectory is not a registered investment adviser, broker-dealer, certified financial planner, CPA, or tax professional. The Service does not provide personalized financial advice. You use the Service and rely on its outputs entirely at your own risk.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

10 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FIRE TRAJECTORY AND ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATED TO:

• Your use of or inability to use the Service.
• Financial decisions made based on projections, calculations, or estimates from the Service.
• Any unauthorized access to, use of, or alteration of your data.
• Any interruption, suspension, or cessation of the Service.
• Any errors, inaccuracies, or omissions in the Service’s content, calculations, or features.
• Any third-party conduct or content accessed through the Service.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00 USD).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded by law.

11 Indemnification

You agree to defend, indemnify, and hold harmless Fire Trajectory and its owners, officers, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your use of or access to the Service.
• Your violation of these Terms or any applicable law or regulation.
• Any content or data you submit to the Service.
• Any claim that your use of the Service caused damage to a third party.
• Your negligent or willful misconduct.

We will provide reasonable notice of any such claim and cooperate with your defense, at your expense.

12 Dispute Resolution & Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Informal Resolution First

For any dispute, controversy, or claim arising out of or relating to these Terms or the Service (“Dispute”), you and Fire Trajectory agree to first attempt to resolve the Dispute informally by contacting us at legal@firetrajectory.com. We will attempt to resolve the Dispute within 30 days.

Binding Arbitration

If the Dispute is not resolved informally, you and Fire Trajectory agree to resolve it through binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, available at www.adr.org.

• Arbitration will be conducted in English, in the state of Maine or remotely by videoconference at the claimant’s election.
• The arbitrator’s decision will be final and binding, and judgment may be entered in any court with jurisdiction.
• The arbitrator may award the same relief that a court could award, including injunctive and declaratory relief.

Costs

• For claims under $10,000, Fire Trajectory will pay all AAA filing and arbitrator fees. You are responsible only for your own attorneys’ fees unless the arbitrator awards them to you.
• For claims over $10,000, the AAA Consumer Arbitration Rules govern fee allocation.
• If the arbitrator finds your claim to be frivolous (as defined by Federal Rule of Civil Procedure 11(b)), you agree to reimburse Fire Trajectory for all fees.

Exceptions to Arbitration

• Either party may seek emergency injunctive or equitable relief in a court of competent jurisdiction to preserve the status quo pending arbitration.
• Either party may bring claims in small claims court (or equivalent) if the claim qualifies, in the county where you reside.

Opt-Out

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing legal@firetrajectory.com with the subject line “Arbitration Opt-Out,” your name, and the email associated with your account. If you opt out, disputes will be resolved in court under Section 13.

13 Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Maine, United States, without regard to its conflict-of-law principles.

For any Disputes not subject to arbitration (including claims for injunctive relief or qualifying small claims), you and Fire Trajectory consent to the exclusive personal jurisdiction of the state and federal courts located in Cumberland County, Maine.

United States only. The Service is intended solely for use by residents of the United States. By using Fire Trajectory, you represent that you are a U.S. resident. Users outside the United States use the Service at their own risk and are solely responsible for compliance with any local laws that may apply.

14 Force Majeure

Fire Trajectory shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to: acts of God, natural disasters, pandemics, war, terrorism, civil unrest, government actions, sanctions, embargoes, internet or infrastructure outages, cyberattacks, power failures, or failures of third-party service providers (including Supabase, Netlify, Stripe, or AWS).

In such circumstances, our obligations will be suspended for the duration of the event, and we will use commercially reasonable efforts to resume operations.

15 Termination

By You

You may delete your account at any time through your account settings. Upon deletion, all your personal data will be permanently removed within 30 days. If you have an active Pro subscription, cancellation of the subscription is separate from account deletion — please cancel your subscription first to avoid further charges.

By Us

We reserve the right to suspend or terminate your access to the Service at any time if:

• You violate these Terms or our Acceptable Use policy.
• You engage in fraudulent, abusive, or illegal activity.
• We are required to do so by law or court order.
• We discontinue the Service (with at least 30 days’ notice to active users).

We will make reasonable efforts to notify you prior to termination unless the violation is severe or we are legally prohibited from doing so.

Effect of Termination

Upon termination, all licenses and rights granted to you under these Terms immediately cease. The following Sections survive termination: 6 (Your Data), 7 (Intellectual Property), 9 (Disclaimer), 10 (Limitation of Liability), 11 (Indemnification), 12 (Dispute Resolution), 13 (Governing Law), and 17 (General Provisions).

16 Changes to These Terms

We may revise these Terms from time to time. When we make material changes, we will:

• Notify registered users via email at least 30 days before the changes take effect.
• Update the “Last updated” and “Effective date” at the top of this page.
• Post a prominent notice within the Service.

For non-material changes (formatting, clarifications), the updated Terms are effective immediately upon posting. Continued use after the effective date constitutes acceptance.

If you do not agree to revised Terms, you must stop using the Service and may delete your account.

17 General Provisions

• Entire Agreement — These Terms, together with our Privacy Policy, constitute the entire agreement between you and Fire Trajectory regarding the Service, superseding any prior agreements.
• Severability — If any provision of these Terms is found to be unenforceable or invalid, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions continue in full force.
• Waiver — Our failure to enforce any provision shall not constitute a waiver of that provision or any other provision.
• Assignment — You may not assign or transfer your rights or obligations under these Terms without our written consent. We may assign our rights and obligations without restriction, provided the assignee agrees to honor these Terms.
• Notices — We may provide notices via email to the address associated with your account, or by posting on the Service. You may provide notices to us by email at legal@firetrajectory.com. Email notices are deemed received 24 hours after sending.
• Headings — Section headings are for convenience only and have no legal effect.
• No Third-Party Beneficiaries — These Terms do not create any third-party beneficiary rights.
• Export Compliance — You agree to comply with all applicable U.S. export laws and regulations and will not use the Service in any country subject to U.S. sanctions.

18 Contact

If you have questions about these Terms, please contact us:

• General support: support@firetrajectory.com
• Legal inquiries: legal@firetrajectory.com
• Website: firetrajectory.com/contact
• Mailing address: Fire Trajectory, Sebago, Maine 04029, United States