Terms of Service

Effective date: May 4, 2026 Last reviewed: October 31, 2026

Yearfold is operated by Hyper Mind Technologies, LLC ("we", "us", "our"). These Terms of Service ("Terms") govern your access to and use of yearfold.com and the Yearfold retirement-planning calculator (collectively, the "Service"). By using the Service you agree to these Terms.

1. Eligibility

You must be at least 18 years old to create an account. The Service is intended for use by US residents planning for US-based retirement income (Social Security, Medicare, US tax brackets). Use outside the US is permitted but the calculations may not be relevant to your situation.

2. The Service

Yearfold is a financial-education tool that runs Monte Carlo simulations on user-provided retirement inputs. It is not a registered investment adviser and does not provide personalized investment, tax, or legal advice. Results are probabilistic projections based on historical data and stated assumptions; they are not guarantees, forecasts, or recommendations.

You are responsible for verifying any number, assumption, or inference produced by the Service before acting on it. Consult a qualified fiduciary financial planner, CPA, or estate attorney before making decisions based on output from the Service.

3. Accounts

If you create an account, you agree to provide accurate information and to keep your sign-in email secure. We use magic-link authentication; we do not store your password. You are responsible for any activity that occurs through your account.

You may delete your account at any time by emailing hello@yearfold.com. We will delete your stored plans and account data within 30 days of receipt.

4. Acceptable use

You agree not to:

• Use the Service to harm, harass, or infringe the rights of others.
• Attempt to bypass rate limits, scrape large volumes of pages programmatically, or reverse-engineer non-public APIs.
• Upload malicious code or attempt to compromise the Service's infrastructure.
• Use the Service to provide investment advisory services to third parties without a separate written agreement with us.

5. PDF reports and paid features

PDF reports and the included Pro month

PDF reports are sold for a one-time fee of $9.99. The PDF reflects the inputs you provided at the time of purchase; if you re-run the calculator with different inputs, you must purchase a new PDF. Sales are final and non-refundable except where required by law or where we choose to refund.

Each paid PDF order includes 30 days of Yearfold Pro, starting when you pay. No card is saved for it and it does not renew — when the 30 days end, Pro simply stops; your plans and your PDF stay yours. To use it, sign in with the email address the PDF was sent to. If you subscribe to Pro or Couples before those 30 days end, $9.99 comes off your first subscription payment, once per order. If you already have Pro (a subscription, a free trial or complimentary access) when you buy, you get the PDF only, with no Pro month and no credit. A refunded PDF order ends its Pro month and its credit.

Subscriptions, free trials and automatic renewal

Pro and Couples are subscriptions billed in advance, monthly or yearly, at the price shown before you buy. They renew automatically at the end of each period until you cancel.

Free trial. If you're eligible, a subscription starts with a 14-day free trial. A card is required at sign-up. You won't be charged during the trial. When the trial ends, your card is charged the plan's price and the subscription renews automatically until you cancel. Before you start, we show the price, the date of the first charge and how to cancel, and we ask you to agree to those terms. We email you a confirmation with these terms when the trial starts, and reminders 7 days and 3 days before it ends. Cancel any time before the trial ends and you won't be charged. One free trial per person: you aren't eligible if you've had a Yearfold subscription or trial before, or the 30-day Pro month that comes with a PDF.

Cancelling. You can cancel online at any time in Settings → Billing → Manage subscription. Cancelling stops future renewals; you keep access until the end of the period (or trial) you're in. We don't prorate mid-period cancellations.

Refunds. If you're not happy, ask for a refund within 14 days of a subscription charge and we'll refund it, no questions asked. Email hello@yearfold.com.

Price changes. We'll tell you before any price change takes effect on your subscription, and you can cancel before it does.

6. Intellectual property

The Service, including all software, content, and design, is owned by Hyper Mind Technologies, LLC and protected by US and international copyright law. You retain ownership of the inputs you provide and the plans you save. By saving a plan, you grant us a limited license to store and process it solely to provide the Service to you.

7. Data and privacy

Our handling of your information is described in the Privacy Policy. By using the Service you consent to that handling.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or mathematically perfect. Bugs in the simulation engine, errors in our 2026 Social Security or tax data, or temporary outages may produce results that differ from the correct answer. We strongly encourage you to verify any meaningful number with an independent advisor before acting on it.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HYPER MIND TECHNOLOGIES, LLC WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR FINANCIAL OUTCOMES, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM THE SERVICE WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify and hold harmless Hyper Mind Technologies, LLC from any claim arising from your violation of these Terms or your misuse of the Service.

11. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any violation of these Terms or for legitimate business reasons. Upon termination, your right to use the Service ends immediately.

12. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced via email (if you have an account) or via a prominent notice on the website at least 30 days before they take effect. Continued use after the effective date constitutes acceptance.

13. Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the Service will be brought exclusively in the state or federal courts located in Florida, and you consent to the personal jurisdiction of those courts.

14. Contact

Questions about these Terms? Write to hello@yearfold.com.