Terms of Service

1. Acceptance of Terms

By accessing and using the UK Pension Planner website (the "Service"), operated by Horneteer Labs ("we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

UK Pension Planner is a free, educational tool designed to help users estimate their retirement savings and pension income. The Service provides:

• Pension pot growth projections
• Retirement drawdown calculations
• State pension income estimates
• Tax-free lump sum calculations
• Inflation-adjusted withdrawal projections
• Visual charts and data exports

All calculations are performed client-side in your browser. No data is sent to our servers.

3. No Financial Advice

Pension planning is complex and depends on your individual circumstances, including:

• Your financial situation and goals
• Tax implications (which vary by individual)
• Pension scheme rules and regulations
• Current and future legislation
• Market conditions and investment performance

You should always consult with a qualified, FCA-regulated financial adviser before making any decisions about your pension or retirement planning. We strongly recommend seeking professional advice tailored to your specific needs.

4. Accuracy and Limitations

While we strive for accuracy, the Service provides estimates only. We make no guarantees about:

• The accuracy of calculations or projections
• Future investment returns or market performance
• Future inflation rates or state pension amounts
• Changes in tax laws or pension regulations
• The suitability of any financial strategy for your circumstances

Past performance does not guarantee future results. Investment values can go down as well as up, and you may get back less than you invested.

5. User Responsibilities

By using this Service, you agree to:

• Use the Service for personal, non-commercial purposes only
• Not rely solely on the Service for financial decisions
• Verify all calculations independently
• Seek professional advice before making pension decisions
• Use the Service in compliance with all applicable laws
• Not attempt to reverse-engineer, decompile, or extract source code

6. Intellectual Property

The Service, including all content, features, and functionality, is owned by Horneteer Labs and is protected by copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute the Service without permission
• Use the Service's branding or content for commercial purposes
• Remove or alter any copyright notices

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

• The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied
• We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement
• We shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service
• We are not responsible for any financial losses, investment decisions, or other consequences resulting from use of the Service

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability. In such cases, our liability will be limited to the maximum extent permitted by law.

8. Indemnification

You agree to indemnify and hold harmless Horneteer Labs, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another person or entity

9. Third-Party Services

The Service may contain advertisements served by Google AdSense and links to third-party websites. We are not responsible for:

• The content or accuracy of third-party websites
• Third-party advertising practices
• Data collection by third parties (see our Privacy Policy)

10. Modifications to Service and Terms

We reserve the right to:

• Modify or discontinue the Service at any time without notice
• Update these Terms of Service at any time
• Change features, functionality, or availability

Your continued use of the Service after changes constitutes acceptance of the new Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Horneteer Labs regarding the Service.

14. Contact Information

If you have questions about these Terms of Service, please contact:

Horneteer Labs
Email: legal@horneeteerlabs.com