Last Updated: January 9, 2026
The information and tools provided on Plan My Retire are for educational and informational purposes only. This website does not provide investment advice, financial advice, or any other type of professional advice. You should carefully consider your financial situation and consult with a qualified financial advisor before making any financial decisions.
These Terms of Service ("Terms") govern your access to and use of the Plan My Retire website and services provided by Cadvisor Consulting LLC ("Company," "we," "us," or "our"). By accessing or using our services, you agree to be bound by these Terms.
By creating an account, subscribing to our services, or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use our services.
Plan My Retire provides retirement planning tools, calculators, educational content, and resources. Our services include:
CADVISOR CONSULTING LLC IS NOT A REGISTERED INVESTMENT ADVISOR OR FINANCIAL PLANNER.
The information, calculators, articles, and tools provided on this website are for educational and informational purposes only and do not constitute financial advice, investment advice, retirement planning advice, or any other type of professional advice.
You should not construe any information or calculations as recommendations regarding your retirement strategy, investment decisions, or financial planning. You should consult with a licensed financial advisor, certified financial planner, or other qualified professional before making any financial decisions.
Our calculators and tools provide estimates based on the data you input and assumptions about future performance. These calculations:
Past performance does not guarantee future results. Market conditions, tax laws, and personal circumstances can change significantly over time.
By using our services, you agree to:
Access to premium features requires an active subscription. Current pricing is displayed on our website. By subscribing, you agree to:
If we offer a free trial period, you will have access to premium features for the specified trial duration. Unless you cancel before the trial ends, you will be automatically charged for a subscription.
You may cancel your subscription at any time through your account settings or by contacting us. Cancellation will take effect at the end of your current billing period. No refunds will be provided for partial subscription periods unless required by law.
We reserve the right to modify subscription pricing with 30 days' notice. Existing subscribers will be notified of price changes via email. Continued use after price changes constitutes acceptance of new pricing.
No refunds are provided for subscription fees. When you cancel your subscription, you will retain full access to all premium features until the end of your current billing period. After that, your account will revert to free tier access.
Exceptions may be made at our sole discretion for:
For billing issues, please contact us at support@planmyretire.com.
All content on this website, including but not limited to text, graphics, logos, articles, calculators, tools, software, and algorithms, are the proprietary property of Cadvisor Consulting LLC and are protected by U.S. copyright, trademark, and other intellectual property laws.
You may not:
You may use our tools and calculators for your personal, non-commercial retirement planning purposes only.
If we provide features that allow you to submit content (such as forum posts or comments), you grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content in connection with the services. You represent that you have the right to share any content you submit.
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
We do not warrant that our calculators or projections will be accurate, complete, or useful for your retirement planning decisions.
TO THE MAXIMUM EXTENT PERMITTED BY MICHIGAN LAW:
CADVISOR CONSULTING LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY:
This limitation applies even if we have been advised of the possibility of such damages. Some jurisdictions do not allow limitation of certain warranties or liabilities, so these limitations may not apply to you.
IF YOU SUFFER FINANCIAL LOSSES FROM DECISIONS MADE BASED ON OUR TOOLS OR CONTENT, WE ARE NOT RESPONSIBLE.
In no event shall our total liability to you exceed the amount you paid us in the twelve (12) months preceding the claim, or $100, whichever is less.
You agree to indemnify, defend, and hold harmless Cadvisor Consulting LLC and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:
We reserve the right to suspend or terminate your account at any time, with or without cause, including if:
Upon termination, your right to access the services will immediately cease. You may lose access to any saved data or calculations.
Our website may integrate third-party services (such as payment processors) or contain links to external websites. Your use of these services is subject to their respective terms of service and privacy policies. We are not responsible for third-party services or content.
Cadvisor Consulting LLC is organized under the laws of the State of Michigan. These Terms are governed by Michigan law without regard to conflict of law provisions.
We are not a registered investment advisor, financial planner, or broker-dealer with the SEC, FINRA, or any state securities or financial planning regulator. We do not manage investments, execute trades, or provide personalized financial advice.
Our services are educational tools only. Users are responsible for compliance with all applicable tax, securities, and financial planning laws in their jurisdiction.
These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, excluding its conflicts of law rules.
Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Michigan, and you consent to personal jurisdiction in such courts.
Before filing any legal claim, you agree to contact us to attempt to resolve the dispute informally. We will work in good faith to resolve disputes.
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the website with an updated "Last Updated" date. Material changes will be communicated via email or prominent website notice. Your continued use of the services after changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Cadvisor Consulting LLC regarding the use of our services and supersede all prior agreements.
Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.
You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.
If you have questions about these Terms of Service, please contact us:
Cadvisor Consulting LLC
Plan My Retire
State of Michigan
Email: cadvisorconsulting@gmail.com
BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT:
RETIREMENT PLANNING INVOLVES UNCERTAINTY AND RISK. Future market performance, inflation rates, tax laws, and personal circumstances cannot be predicted with certainty. The tools and information provided on this website are estimates only and should not be your sole basis for retirement decisions.
CADVISOR CONSULTING LLC EXPRESSLY DISCLAIMS ALL LIABILITY FOR INADEQUATE RETIREMENT SAVINGS, INVESTMENT LOSSES, OR FINANCIAL DIFFICULTIES.
Always consult with a certified financial planner, tax advisor, or other qualified professional before making important financial decisions.