Terms and Conditions

1. Agreement and contract parties

These terms and conditions ("Terms") form a legal agreement between you ("you", "user") and the operator of FIRE Tracker ("we", "us", "our"). They apply when you access or use the FIRE Tracker website and application (the "Service"). By using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding contract to use the Service. If you use FIRE Tracker on behalf of an organisation, you confirm that you have authority to bind that organisation to these Terms.

3. Accounts

There is no account. The Service is not open for sign-ups and needs no sign-in: it runs in your browser, and what you enter stays on your device. Nothing in these Terms asks you to keep credentials safe, because you are not given any.

4. Service scope and limits

FIRE Tracker is a planning and tracking tool that helps you visualise your net worth, assets, liabilities, and progress towards financial independence (FIRE). The Service provides calculators, projections, and visualisations based on data and assumptions you enter. The Service is read-only by design: we do not execute transactions, hold funds, or manage investments on your behalf.

We do not provide regulated financial advice, investment recommendations, or execution services. We work to keep data accurate and the Service available but do not guarantee completeness, correctness, or uninterrupted availability. Projections, valuations, and other figures are illustrative and may be delayed, incomplete, or inaccurate. You must not rely solely on FIRE Tracker when making financial decisions.

What you enter is stored by your browser on your device, and nowhere else. That makes it yours to keep and yours to lose. Clearing this site’s data erases it, and browsers also evict storage on their own: Safari removes a site’s stored data after seven days without a visit, and every browser on an iPhone or iPad is Safari underneath. We hold no copy, so we cannot recover anything your browser has removed, and we are not liable for figures lost this way. The Service can export your figures to a file you keep — if they matter to you, use it.

5. No financial advice

The Service is for informational and planning purposes only. We do not provide investment, tax, legal, or any other regulated advice. All projections, figures, and content are illustrative and based on the inputs and assumptions you provide. Past or projected performance is not a guarantee of future results. You should seek independent advice from a qualified financial adviser, tax adviser, or other professional before making any financial or legal decisions.

6. Acceptable use

You must not:

• Misuse the Service, attempt to access data that is not yours, or interfere with the operation or security of the Service.
• Use the Service for any unlawful purpose or in violation of applicable laws or regulations.
• Reverse engineer, scrape, copy, or build a derivative or competing product using the Service without our prior written consent.
• Attempt to bypass security controls.
• Resell or sublicense access to the Service except where we explicitly allow.

7. Intellectual property

All rights in the FIRE Tracker platform (including software, design, code, branding, logos, and content) are owned by us or our licensors. You receive only a limited, non-exclusive, non-transferable licence to use the Service for your personal (or internal business) use in accordance with these Terms. You may not copy, modify, or create derivative works of the Service except as permitted by applicable law. The data you enter is yours and stays on your device, so no licence over it is granted to us and none is needed — we never receive it. What little we do process is described in our Privacy Policy.

8. Privacy and data

Your use of the Service is also governed by our Privacy Policy. The figures you enter are not sent to us and are not ours to process. What we do process — request logs, and aggregate visit counts — is set out there, and handled in accordance with applicable data protection law.

9. Fees

The Service is free. There are no paid plans, no subscriptions and nothing to buy, so there is no billing, no renewal and no payment provider involved. If that ever changes, the terms and the price will be published before any charge applies, and continuing to use the Service will not commit you to a payment you have not separately agreed to.

10. Suspension and termination

You may stop using the Service at any time, and because it runs in your browser there is no account to close: clearing this site’s data removes what you entered. We may withdraw or suspend the Service, or restrict access, if these Terms are breached or the law requires it, giving reasonable notice where practicable. We retain nothing of yours on termination, because we held nothing to begin with. Export your figures if you want to keep them.

11. Third-party services

We use third-party providers to operate the Service — hosting and traffic measurement, both Vercel. These providers operate under their own terms and policies. We are not responsible for outages, errors, or changes originating from third-party services.

12. Warranty disclaimer

The Service is provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, we disclaim all warranties, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of harmful components. This disclaimer does not affect any statutory rights you may have as a consumer.

13. Limitation of liability

To the fullest extent permitted by applicable law:

• We are not liable for any indirect, incidental, special, consequential, punitive or exemplary loss or damage arising out of or in connection with your use of the Service, including but not limited to loss of profits, revenue, data, goodwill or business opportunity.
• We exclude all other liability arising out of or in connection with your use of the Service so far as the law allows. The Service is free, is provided as is, and produces estimates you are told not to rely on by themselves.
• Where liability cannot lawfully be excluded, our total aggregate liability to you for all claims is limited to ten pounds sterling (GBP 10), or to the lowest amount the law does permit if it does not allow a limit that low.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by applicable law.

14. Consumer rights

If you are a consumer in the United Kingdom, you have statutory rights under the Consumer Rights Act 2015 and other consumer protection legislation. Nothing in these Terms affects or limits those statutory rights.

15. Indemnification

You agree to indemnify and hold harmless us, our officers, directors, employees, and agents from and against any claims, damages, losses, or expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Service, or your violation of any applicable law or third-party rights, except to the extent that a claim arises from our negligence or wilful misconduct.

16. Force majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including third-party service outages, acts of God, war, terrorism, pandemic, or upstream data or infrastructure failures.

17. Changes to terms

We may update these Terms from time to time. The updated Terms are posted on this page with a new date at the top. We hold no addresses and no accounts, so we cannot notify anyone individually — checking this page is the only way to see a change. Continued use after a change constitutes acceptance of it; if you do not agree, stop using the Service.

18. Governing law and jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes arising from or in connection with these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

19. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity or enforceability of the remaining provisions.

20. Entire agreement

These Terms, together with the Privacy Policy and any other policies we publish in connection with the Service, constitute the entire agreement between you and us regarding your use of FIRE Tracker.

21. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganisation, or sale of all or substantially all of our assets.

22. Contact

FIRE Tracker is a free, non-commercial tool published without a support address. If contact details are published later, they will appear here. Nothing in these Terms affects your right to complain to a regulator.