Terms of Service

ACCEPTANCE OF TERMS

Paycheck Planner provides its service to you, subject to the following Terms of Service ("TOS"), which may be updated by us from time to time without notice to you. By logging in or registering with Paycheck Planner or by using any of its features, you agree to the contents of the TOS. You can review the most current version of the TOS at any time at https://www.paycheckplanner.com/terms.html.

DESCRIPTION OF SERVICE

Paycheck Planner provides its users with an interface to create and maintain Financial Models which are Analyzed by various Engines and the results are returned as Statistics, Charts and Forecasts for the user to review. (The "Service"). The Service does not make use of any user data or model data in any way. The Service does not generate any marketing data. The Service does not share or supply any data of any form or origin to any third party vendors or individuals. The Service extensively checks and validates all models being submitted to the system by a user and will reject any model that fails the tests or is a statistical anomaly. The System will only send email communications for account related purposes initiated by the user or a few times a year for important announcements. Unless explicitly stated otherwise, any new features that augment or enhance the current Service shall be subject to the TOS.

ACCOUNT SECURITY AND OBLIGATIONS

You agree that your account is only to be used for individual purposes and can not be used for commerical purposes, except or unless specifically mentioned in this TOS. Users are permitted to share photographs or short videos of the Service being used for educational purposes. All user Models are stored encrypted using a Global Key on our servers and are only ever accessed by the user or by a Paycheck Planner support member with the users permission for support purposes only. The user can additionally choose to use an Individual Key, in which case only the user would be able to access the Model. However, if the user lost their password, it would be impossible to recover the encrypted models. Paycheck Planner cannot and will not be liable for any loss or damage arising from a user forgetting their password.

SIMULATION vs. PREDICTION

Paycheck Planner is a Simulation Engine and makes no attempts to predict anything. All output generated by the Service is derived from data contained in the Users Model, and at no point is any external data used. Paycheck Planner uses 2 types of engines in the Service. One is a single pass browser based engine for immediate feedback to the user. The other engine is used in the Professional Version and it runs on the Server. Its purpose is to simulate the users model millions of times, each time varying one of dozens or more variables. Even in this case, no external data is used. It is understood that it is impossible for Paycheck Planner to make predictions. Paycheck Planner cannot and will not be liable for any loss or damage arising from any interpretation of the results of a model.

NO RESALE OF SERVICE

You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Service, your Paycheck Planner account, use of the Service, or access to the Service.

MODIFICATIONS TO SERVICE

Paycheck Planner reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Paycheck Planner shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

TERMINATION

You agree that Paycheck Planner may, under certain circumstances and without prior notice, immediately terminate your Paycheck Planner account, and access to the Service. Cause for such termination shall include, but not be limited to:

(a) breaches or violations of the TOS or other incorporated agreements or guidelines
(b) requests by law enforcement or other government agencies
(c) a request by you (self-initiated account deletions)
(d) discontinuance or material modification to the Service (or any part thereof)
(e) unexpected technical or security issues or problems
(f) extended periods of inactivity

Termination of your Paycheck Planner account includes:

(a) removal of access to all offerings within the Service
(b) deletion of your password and all related information and content associated with or inside your account (or any part thereof)
(c) barring further use of the Service

Further, you agree that all terminations for cause shall be made in Paycheck Planner's sole discretion and that Paycheck Planner shall not be liable to you or any third-party for any termination of your account, any associated email address, or access to the Service.

PROPRIETARY RIGHTS

You acknowledge and agree that the Service and any necessary software used in connection with the Service ("Software") contains proprietary and confidential information that is protected by applicable intellectual property and other laws. Except as expressly authorized by Paycheck Planner, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part. Paycheck Planner grants you a personal, non-transferable and non-exclusive right and license to use the object code of its Software on any computer; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Service. You agree not to access the Service by any means other than through the interface that is provided by Paycheck Planner for use in accessing the Service.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Paycheck Planner EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Paycheck Planner MAKES NO WARRANTY THAT:

(i) THE SERVICE WILL MEET YOUR REQUIREMENTS
(ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
(iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE
(iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS
(V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Paycheck Planner OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS. A SMALL PERCENTAGE OF USERS MAY EXPERIENCE EPILEPTIC SEIZURES WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR BACKGROUNDS ON A COMPUTER SCREEN OR WHILE USING THE SERVICE. CERTAIN CONDITIONS MAY INDUCE PREVIOUSLY UNDETECTED EPILEPTIC SYMPTOMS EVEN IN USERS WHO HAVE NO HISTORY OF PRIOR SEIZURES OR EPILEPSY. IF YOU, OR ANYONE IN YOUR FAMILY, HAVE AN EPILEPTIC CONDITION, CONSULT YOUR PHYSICIAN PRIOR TO USING THE SERVICE. IMMEDIATELY DISCONTINUE USE OF THE SERVICE AND CONSULT YOUR PHYSICIAN IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS WHILE USING THE SERVICE -- DIZZINESS, ALTERED VISION, EYE OR MUSCLE TWITCHES, LOSS OF AWARENESS, DISORIENTATION, ANY INVOLUNTARY MOVEMENT, OR CONVULSIONS.