Terms and Conditions

1. Acceptance of Terms

By accessing or using The FIRE Number ("the Site," "we," "us"), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Site.

2. No Financial Advice

All calculators, articles, and content on The FIRE Number are for educational and informational purposes only. Nothing on this Site constitutes financial, investment, tax, or legal advice, and nothing should be construed as a recommendation to buy, sell, or hold any investment.

Financial projections produced by the calculators are based on simplified mathematical models and user-supplied inputs. They are inherently uncertain and subject to assumptions that may not reflect your personal situation or future market conditions. Past market performance does not guarantee future results.

Please consult a qualified financial professional before making any significant financial or investment decisions.

3. Accuracy of Information

We make reasonable efforts to ensure the accuracy of the formulas and content on this Site. However, we make no warranties — express or implied — regarding the completeness, accuracy, reliability, or fitness for a particular purpose of any information provided.

Calculator results may differ from actual outcomes due to factors including but not limited to: taxes, inflation variability, sequence-of-returns risk, transaction costs, and changes in personal circumstances.

4. Use of the Site

You agree to use The FIRE Number only for lawful purposes. You must not:

• Attempt to gain unauthorised access to any part of the Site or its infrastructure.
• Scrape, crawl, or systematically extract data from the Site without prior written consent.
• Reproduce, redistribute, or republish Site content (including calculator outputs) for commercial purposes without permission.
• Use the Site in any way that could damage, disable, or impair its operation.

5. Intellectual Property

All content on The FIRE Number — including text, design, code, charts, and branding — is the property of The FIRE Number or its licensors and is protected by applicable intellectual property law. You may not copy, modify, or distribute any part of the Site without express written permission, except for personal, non-commercial use.

6. Shareable Links and User Inputs

When you adjust a calculator, your inputs are encoded into the page URL as query parameters. This encoding happens entirely in your browser. We do not store, transmit, or have access to your calculator inputs. You are solely responsible for any data you choose to share via a shareable link.

7. Third-Party Links and Services

The Site may contain links to third-party websites (for example, Google Fonts or external financial resources). These links are provided for convenience only. We do not endorse and are not responsible for the content, privacy practices, or accuracy of any third-party site.

8. Limitation of Liability

To the fullest extent permitted by applicable law, The FIRE Number and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or any content or calculator output provided on it.

This includes, without limitation, any financial loss resulting from decisions made in reliance on calculator outputs.

9. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without any warranty of any kind. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Changes to These Terms

We reserve the right to update these Terms at any time. The "Last updated" date at the top reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the relevant courts.

12. Contact

Questions about these Terms? Please visit our Contact page.