Terms of Service

Effective Date: October 1, 2026

These Terms of Service ("Terms") are a legal agreement between you and MaxMy401k, Inc. ("we," "us," or "our") governing your use of MaxMy401k, our 401(k) contribution-planning calculator, website, and any related subscription (together, the "Service"). By using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. Who Can Use the Service

You must be at least 18 years old and able to form a binding contract to use the Service. MaxMy401k is designed for adults planning their own 401(k) contributions, primarily new graduates and early-career employees.

2. The Calculator and Its Estimates

The Service models 401(k) contribution scenarios using public rules and data, including employer matching formulas as you describe them, the IRS annual contribution limits, federal income tax brackets, standard deductions, Roth and Traditional treatment, and historical market returns, together with assumptions you can adjust.

• All outputs are estimates and projections, not guarantees. Actual results depend on future tax law, your plan's actual rules, market returns, inflation, your career, and other factors no one can predict.
• Historical investment results shown in the Service are for illustration only and do not guarantee future performance. A projected balance is an arithmetic illustration of an assumed rate of return, not a forecast.
• Any per-paycheck, per-month, or "first year" figure the Service shows is an example built from your inputs and the calendar. Check it against your own payroll system and plan rules before acting on it.
• We work to keep the underlying formulas, limits, and tax figures current, but we do not warrant that every figure is current or error-free, and rules change over time.
• Your salary, budget and match details are entered by you and stay in your browser. The Service does not know your actual plan documents, payroll settings or account balances, and it cannot confirm that your employer's plan works the way you entered it.

3. Subscriptions, Billing, and Renewal

The MyMatch scenario is free. The MyMillion, MyMax and MyBudget scenarios (and the features that follow them) require a paid annual subscription. The price is shown at the point of purchase and may change with notice for future terms. Promotional pricing (for example social, referral or founder pricing) applies only to the term in which it was offered, and codes may be limited, one-time or withdrawn.

Auto-renewal. Subscriptions renew automatically at the end of each annual term at the then-current price for your plan unless you cancel before the renewal date. The renewal price and the fact of renewal are stated on the checkout page before you buy.

Payment and cancellation. Payment is processed by Stripe; we never see or store your card number. You can cancel at any time through the Manage Subscription link in the Service footer or by emailing us. Canceling stops future renewals; it does not shorten the term you have already paid for, and you keep access until the term ends.

Devices. A subscription may be used on up to five devices by the subscriber. Contact us to reset your device count if you replace a phone or computer.

4. Refunds

A refunded purchase ends the related subscription access and reverses any promotional credit tied to it.

5. Promotional Pricing and Founder Codes

We may offer discounted pricing through founder codes, social pricing or referral links. A code or link is a discount on the price of a subscription, never cash, and is subject to reasonable anti-abuse checks. We may modify, suspend or end any promotion at any time; a promotion already applied to a purchased term is honored for that term.

6. Acceptable Use

You agree not to:

• copy, scrape, reverse-engineer, decompile, or attempt to extract the source code, formulas, or models behind the Service, except to the limited extent the law expressly permits;
• resell, sublicense, or commercially redistribute the Service or its outputs;
• share, transfer, or circumvent the limits of a subscription or a sponsored program, or use it beyond what you or your sponsor purchased;
• interfere with, disrupt, or attempt to gain unauthorized access to the Service or its systems; or
• use the Service unlawfully or to infringe anyone's rights; or
• use the Service in a professional advisory capacity with more than one client on a single subscription. You may bring the Service to your own financial adviser and use it together. A professional adviser who wants to use the Service with clients needs a separate subscription for each client, used only for that client.

7. Intellectual Property

The Service, including its software, calculation engine, design, text, and branding, is owned by MaxMy401k, Inc. and protected by intellectual-property laws. We grant you a personal, non-exclusive, non-transferable, revocable license to use the Service for your own retirement planning under these Terms. We reserve all rights not expressly granted. Testimonials shown in the Service are used with the permission of the people quoted.

8. Privacy

Your use of the Service is also governed by our Privacy Policy. In short: the calculator runs in your browser, and the salary, budget, contribution and match figures you enter are not stored by us. To improve the Service we record anonymous usage events (which step, button or field you used) on our own server and in Google Analytics; these carry no figures you entered. That promise is about usage events only; the purchase and gift information described in our Privacy Policy, such as your name, email address and any pledge amount a parent records, is separate and is kept as that policy describes. Where a feature needs a figure to work, for example an email you or your parent asked us to send, that figure is sent to us for that purpose only and is not kept. If you buy a subscription, Stripe processes your payment and we keep the email address and subscription status needed to give you access.

Service providers. Stripe (payments; we never see your card), SendGrid (delivers our emails), Vercel (runs our checkout and billing-portal functions and receives the email and customer id needed for them), PythonAnywhere (hosts the site and keeps standard web-server logs: IP address, browser type and pages requested), Google Analytics (usage statistics on the storefront; not inside portal embeds) and Hostinger (forwards support@maxmy401k.com).

How long we keep things. Purchase records (email, subscription status and Stripe ids) are deleted one year after the subscription ends, automatically. Survey answers are deleted two years after you submit them; a testimonial you write is deleted after one year unless you have allowed us to publish it, in which case it stays for as long as it is in use. All of this is automatic.

We comply with the privacy laws that apply to you, including, where they apply, the EU and UK GDPR and the California Consumer Privacy Act. Where we hold personal information about you (for a subscription, a gift or an email you asked for, this is your name, email address and subscription status), we keep it as described above, and you can ask to see, correct or delete it by emailing support@maxmy401k.com.

9. Disclaimers

The Service is provided "as is" and "as available," without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that its estimates will match your actual financial outcomes, your plan's actual rules, or your payroll system's results.

10. Limitation of Liability

To the fullest extent permitted by law, MaxMy401k, Inc. and its owners and contributors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, savings, contributions, matching contributions, tax benefits, or financial losses, arising out of or relating to your use of (or inability to use) the Service or any decision you make based on it. To the fullest extent permitted by law, our total liability for any claim relating to the Service will not exceed the amount you paid us for the Service in the twelve months before the claim arose, or fifty dollars ($50) if you paid nothing.

11. Changes to the Service or These Terms

We may update, change, or discontinue the Service, and we may revise these Terms from time to time. If we make material changes to these Terms, we will post the updated Terms here with a new effective date. Your continued use of the Service after changes take effect means you accept the updated Terms.

12. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to its conflict-of-laws rules. You agree that any dispute relating to these Terms or the Service will be resolved in the state or federal courts located in Virginia, and you consent to their jurisdiction.

13. Contact Us