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 create an account, 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. Your account

You are responsible for:

• Keeping your login details secure and confidential.
• Providing accurate information and keeping it up to date.
• All activity that occurs under your account.

You must notify us promptly of any unauthorised access or use of your account.

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.

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 advisor, tax advisor, 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 usage limits, paywalls, or 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. You retain ownership of the data you input into the Service; you grant us a limited, non-exclusive licence to process that data solely to provide and improve the Service, as described in our Privacy Policy.

8. Privacy and data

Your use of the Service is also governed by our Privacy Policy. We process your personal data as described there and in accordance with applicable data protection law. You retain ownership of your data; by using the Service you grant us permission to process it to provide and improve the Service.

9. Fees and billing

Access to the Service may be free or subject to a paid subscription for certain features. If we offer paid plans, pricing will be shown before purchase. Payments may be processed by third-party providers (e.g. Stripe); we do not store your full payment card details. Subscriptions may renew automatically unless you cancel; cancellation will take effect at the end of the current billing period. Unless required by applicable consumer law, we do not provide refunds for partial billing periods. Taxes may apply depending on your location.

10. Suspension and termination

You may stop using the Service at any time. We may suspend or terminate your access if you breach these Terms, fail to pay applicable fees, or if required by law. We will try to give reasonable notice where practicable. On termination, your right to use the Service ceases immediately. We recommend exporting your data before closing your account. We may retain and use your data as described in our Privacy Policy (e.g. for legal, regulatory, or backup purposes).

11. Third-party services

We use third-party providers to operate the Service (e.g. hosting, database, analytics, email, payments). 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 extent permitted by applicable law:

• We shall not be liable for any indirect, incidental, special, consequential, or punitive loss or damage, including but not limited to loss of profits, revenue, data, goodwill, or business opportunity.
• Our total aggregate liability to you for any claims arising from or relating to these Terms or your use of the Service shall not exceed the greater of (a) the total fees you have paid to us in the twelve (12) months preceding the claim, or (b) one hundred pounds sterling (GBP 100).

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. Right of withdrawal

If you are a UK consumer purchasing a paid digital subscription, you may have a 14-day right to cancel under the Consumer Contracts Regulations. Where required, we will present the necessary information and choices at checkout.

17. 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.

18. Changes to terms

We may update these Terms from time to time. We will post the updated Terms on this page and revise the "Last updated" date. If changes are material, we may notify you by email or through the Service. Continued use of the Service after the effective date of changes constitutes your acceptance of the new Terms. If you do not agree, you must stop using the Service.

19. 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.

20. 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.

21. 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.

22. 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.

23. Contact

For questions about these Terms, please contact us at the contact or support email or address published on our website or in the Service. We will respond as soon as reasonably practicable.