Terms of Service for Roth Conversion Calculator

Acceptance of Terms

By using our Roth IRA conversion ladder calculator, you agree to:

• Use this tool for personal financial education only
• Not rely solely on calculator results for retirement decisions
• Comply with all applicable Indian laws and regulations

Service Description

Our 5-year rule calculator provides:

• Projections for Roth conversion strategies
• Estimates of penalty-free withdrawal timelines
• Educational content about early retirement planning

User Responsibilities

When using our early retirement calculator:

• You must provide accurate input information
• You retain ownership of all entered data
• You agree not to reverse-engineer the tool

Disclaimer of Financial Advice

Please be aware of the following limitations:

• Results are estimates only and should be used for illustrative purposes.
• This tool does not replace professional financial advice from a certified advisor.
• Actual tax implications may vary based on individual circumstances and changes in tax laws.

Limitations of Liability

To the maximum extent permitted by law, The Smart Investors and its affiliates will not be liable for:

• Any financial decisions made or actions taken based on the use of this tool.
• Inaccuracies in calculations arising from user input errors or misinterpretations.
• Any losses or damages resulting from changes in tax laws or regulations that may affect the calculator's outputs.
• Indirect, consequential, or incidental damages, even if advised of the possibility of such damages.

Termination of Service

We reserve the right to:

• Modify or discontinue the Roth Conversion Ladder Calculator, or any part thereof, at any time without notice.
• Terminate or restrict access to the calculator for any user who violates these Terms of Service or engages in abusive usage patterns.
• Update these Terms of Service periodically without providing prior individual notice. Continued use of the calculator after such changes constitutes acceptance of the new Terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts in Varanasi, Uttar Pradesh, India, recognizing the following legal frameworks:

• Indian Contract Act, 1872
• Information Technology Act, 2000
• Consumer protection laws of India

Contact Information

The Smart Investors
Maheshpur, Shivpur, Varanasi 221007, Up, India
Email: legal@thesmartinvestors.in
Phone: +91-8707418258