Terms of Use

Not financial advice

This is the most important term here. Manage Your Means is an educational and planning tool. It is not a financial advisor, and using it does not create an advisor-client relationship. Its calculators, budgets, projections, and reports are arithmetic performed on the figures you enter, using simplifying assumptions. They are not a recommendation to take, or refrain from taking, any financial action.

Decisions about investing, borrowing, retirement, and tax are consequential and depend on circumstances this application knows nothing about. Consult a qualified professional before acting. You are solely responsible for your own financial choices. See the full Disclaimer.

Your account

• You are responsible for keeping your password secure and for activity under your account.
• Provide accurate registration details, and keep your email address current.
• One person per account. Do not share credentials.
• Tell the operator promptly if you believe your account has been compromised.

Accuracy of results

The output of this application is only as good as the data you put into it. Projections rest on assumptions — constant rates, regular contributions, simplified tax treatment — that will not hold exactly in reality. Figures are estimates and illustrations, not guarantees or predictions. Verify anything that matters against your actual statements and accounts.

Acceptable use

You agree not to:

• Attempt to access another user's account or data.
• Probe, scan, or attempt to breach the application's security or authentication.
• Disrupt or overload the service, or interfere with others' use of it.
• Scrape, resell, or redistribute the service or its content.
• Copy, modify, decompile, or reverse-engineer the service's software, or drive it by automated means, except where the law gives you a right to do so that cannot be waived.
• Use the application for anything unlawful.

Ownership

Manage Your Means — its software, design, text and calculations, and the Manage Your Means name and logo — belongs to Manage Your Means LLC and is protected by copyright and other intellectual-property law. You may use the service for your own personal financial planning. That permission is personal to you, cannot be transferred, and ends if you breach these terms. No other rights are granted.

The figures and details you enter remain yours. Using the service does not transfer them to the operator, and they are never sold. The Privacy Policy says what is done with them.

If you send feedback or suggestions, the operator may use them freely, with no obligation to you. Please leave personal financial details out of feedback.

Demo mode

Demo mode uses fictional sample personas for illustration. The figures in it are invented and describe no real person. Data you edit in demo mode lives only in your browser and may be cleared at any time, including by signing in or by your browser reclaiming storage. Do not rely on it to persist, and do not enter real financial information into it expecting it to be saved.

Plus and payments

Plus is the optional paid tier of Manage Your Means. It is not on sale yet. The features that are part of Plus are open only to accounts that have it, which until it goes on sale means accounts we have given it to. What Plus will add, and what it will cost, are on the About page.

Plus is sold through our online reseller, Paddle.com. Paddle.com is the merchant of record for all our orders: it takes the payment, charges any sales tax or VAT, issues the receipt, and handles payment questions, cancellations and refunds. A purchase is also covered by Paddle's buyer terms. The application never receives your card or bank details.

• Plus is a yearly subscription, paid in advance at the price shown when you buy it.
• It renews automatically each year on the date you first paid, until you cancel.
• You can cancel at any time at paddle.net, or by emailing support@manageyourmeans.com. Cancelling stops the next renewal, and you keep Plus until the end of the period already paid for. Closing your account cancels the subscription too.
• If the price of Plus changes, you will be told by email at least 30 days before it applies to you, and it never applies to a period you have already paid for.

Refunds

Any Plus charge, the first one or a renewal, is refunded in full if you ask within 14 days of that charge. Ask at paddle.net, or email support@manageyourmeans.com from the address on your account. A refund ends the Plus that the charge paid for.

After 14 days a charge is not refunded, but you can cancel at any time so that you are not charged again. Nothing here takes away a right to cancel or to a refund that the law where you live gives you.

Availability

The application is provided on a best-effort basis. It may be unavailable, may change, and may have features added or removed without notice. There is no uptime guarantee. Keep your own records; do not treat Manage Your Means as the sole system of record for anything important. Closing the service altogether is different, and is covered in the next section.

If the service closes

If Manage Your Means is ever going to shut down, Manage Your Means LLC will tell you at least 90 days before the service stops, by email to the address on your account and by a notice in the application.

Throughout those 90 days you can keep signing in and use Preferences → Security settings → Download your data to take a complete copy of everything you have recorded: a JSON file, the Excel workbook, and a README explaining every field. When the service stops, every account is erased in the same way as a closed one.

This holds unless the law, a court or a regulator requires the service to stop sooner.

Warranties and liability

The service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or accuracy.

To the fullest extent permitted by law, the operator is not liable for any indirect, incidental, consequential, or punitive damages, nor for any financial loss, lost profits, or lost data arising from your use of, or reliance on, this application — including any decision you make on the basis of a calculation, projection, or report it produces.

Nothing in these terms excludes or limits liability where the law does not permit it to be excluded or limited.

Termination

You may stop using the application and request deletion of your account at any time (see the Privacy Policy). Accounts that breach these terms — particularly the acceptable-use section — may be suspended or removed.

Changes to these terms

These terms may be revised; the date above will be updated when they are. Continuing to use the application after a change means you accept the revised terms.

Contact

Questions about these terms: support@manageyourmeans.com.