Back
Legal

Terms of Service

Effective date: March 1, 2026Last updated: September 28, 2026

1 Acceptance of Terms

Welcome to Fire Trajectory. The Service is operated by Copper Onyx, LLC, a Maine limited liability company, under the name Fire Trajectory. References to “Fire Trajectory,” “we,” “us,” or “our” mean Copper Onyx, LLC. 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:

IMPORTANT — NOT FINANCIAL ADVICE: Fire Trajectory is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. All projections, calculations, and estimates are hypothetical, based on the data you provide and simplified mathematical models. They may not reflect actual results. Past performance and mathematical projections do not guarantee future results. Fire Trajectory is not a registered investment adviser, broker-dealer, financial planner, or tax professional. Always consult a qualified, licensed financial professional before making any financial decisions.

3 Eligibility & Account Registration

To create an account, you must be at least 18 years of age, or the age of majority where you live if that is higher. By creating an account, you represent and warrant that you meet this requirement.

By registering, you agree to:

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:

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:

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

Before you subscribe, please read:

  • Pro does not renew on its own. Before a term ends we email you, and it renews only when you confirm the renewal with us.
  • You may end Pro at any time by emailing support@firetrajectory.com. You keep Pro access until the end of the term you paid for.
  • You will receive a confirmation email when a term starts and when one ends.
  • If we change the subscription price, we will notify you by email at least 30 days before the new price takes effect. A new price applies only to a term you confirm after that notice.

Refund Policy

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 export your data at any time, on every plan, from Settings › Export Data, and you may delete it at any time.

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 Copper Onyx, LLC (doing business as 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 Complaints

We respect intellectual property rights. If you believe that something available through the Service infringes your copyright, write to us:

Please tell us: (1) the work you say is infringed; (2) the material you say infringes it, and where it is; (3) how we can reach you; (4) that you believe in good faith the use is not authorized by the owner, the owner’s agent or the law; (5) that what you have told us is accurate, and that you are the owner or are authorized to act for the owner; and (6) your name, typed or signed.

We review every complaint and remove or disable access to material we find to be infringing. We may close the account of anyone who infringes repeatedly. If your material was removed and you believe that was a mistake, write to the same address and tell us why.

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:

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:

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:

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.

Costs

Exceptions to Arbitration

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.

CLASS ACTION WAIVER: YOU AND FIRE TRAJECTORY AGREE THAT EACH MAY ONLY BRING CLAIMS AGAINST THE OTHER IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, 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. If this waiver is found unenforceable, the entire arbitration agreement shall be void (but the rest of these Terms shall remain in effect).

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, Resend, 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. Pro does not renew on its own, so deleting your account leads to no further charge. A Pro term that is still running ends with the account, and its unused part is not refunded, except where required by applicable law.

By Us

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

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:

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

18 Contact

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