Legal
RetireIQ is a product operated by Hirevo Inc., an Alberta corporation. This Terms of Service ("Agreement") is a legally binding agreement between Hirevo Inc. ("Company", "we", "us", or "our") and you ("User", "you"), governing your access to or use of the RetireIQ web application and related services at RetireIQ.ca.
By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy. If you do not agree, you must not use the Service.
Subject to your ongoing compliance with this Agreement, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your personal financial planning purposes. The Service is licensed, not sold.
You are expressly prohibited from:
To access Premium features, you must create an account and provide accurate, current, and complete information - specifically your email address.
You are solely responsible for maintaining the confidentiality of your account credentials. You accept all risks of unauthorized access and are fully responsible for all activities that occur under your account.
Your account is for your exclusive personal use. You agree not to share your account or password with any other individual. Unauthorized sharing is a material breach of this Agreement and may result in immediate suspension or termination.
You must notify us immediately at [email protected] of any suspected or actual unauthorized use of your account or any breach of security.
We are not responsible for any loss resulting from unauthorized account access unless caused by our negligence.
All financial planning data you enter into RetireIQ is stored either on your device (local browser storage) or in our cloud database when you enable cloud sync. You are solely responsible for the accuracy and integrity of that data regardless of storage mode.
RetireIQ does not guarantee any specific financial outcomes, investment returns, or retirement results. All projections are estimates based on the inputs you provide and assumptions built into the model.
You are solely responsible for ensuring your use of the Service complies with all applicable laws and regulations in your jurisdiction.
All software, technology, trademarks, designs, and content made available through the Service are the exclusive property of Hirevo Inc. or its licensors and are protected by copyright and other intellectual property laws. This Agreement does not transfer any ownership rights to you.
Your financial planning data belongs to you. When stored locally, you retain full ownership and control on your device. When stored in our cloud database, you retain ownership; you grant us a limited license to host, process, and display your data solely to provide the Service.
The free version of RetireIQ is available at no charge and does not require account creation. It uses local browser storage and is subject to feature limitations described on our website.
Premium features require a paid annual subscription. All fees are payable in advance.
All subscription fees are non-refundable except as required by applicable law.
Your Premium subscription will automatically renew annually unless you cancel at least 30 days before the end of your current subscription term.
We may adjust subscription pricing for future renewal terms. We will provide reasonable prior notice of any price changes.
We reserve the right to downgrade your account to the free version or suspend access if payment is not received.
In the Free tier and when Premium users choose local-only mode, all financial planning data you enter in RetireIQ is stored in your browser's local storage on your own device. We do not transmit, collect, or store that data on our servers.
When you enable cloud sync, your plan and related records are stored in our hosted online database and associated with your account. Data is transmitted over HTTPS. You can switch between local and cloud storage in Account settings; we strongly recommend downloading a plan backup before migrating. Cloud availability depends on our infrastructure - we do not guarantee uninterrupted access.
Our collection and handling of account and cloud-stored information is governed by our Privacy Policy, which is incorporated into this Agreement by reference.
The optional AI Plan Review feature transmits your plan data to Anthropic (Claude) for processing. By using this feature, you acknowledge that your plan data will be processed by Anthropic in accordance with their own terms of service and privacy policy. AI features are entirely optional.
We use third-party providers for hosting, payment processing, and AI features. While we take reasonable steps to select reputable providers, we cannot guarantee their performance and are not liable for damages arising from their processing of data.
Your account and cloud-stored information may be stored or processed outside of Canada, including in the United States, where it may be subject to foreign laws.
The Service is provided "as is" and "as available," without any warranties, express or implied. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Service will be uninterrupted, secure, or error-free.
Nothing in this Agreement excludes or limits any right or warranty that cannot be limited under applicable law.
To the maximum extent permitted by law, Hirevo Inc. shall not be liable for any indirect, incidental, consequential, special, or punitive damages - including loss of data, financial loss, or loss of retirement savings - arising from your use of or inability to use the Service.
In no event shall our total aggregate liability to you exceed the amount you paid to us in the twelve (12) months preceding the claim. For free-tier users, this amount is zero.
We are not responsible for any loss of financial planning data, including: data stored in your browser's local storage (browser clearing, device failure, or software updates); data stored in our cloud database (outages, migration errors, or account termination without backup); or data lost when switching between storage modes without exporting a backup. We strongly recommend using the built-in plan backup feature regularly.
You agree to defend, indemnify, and hold harmless Hirevo Inc., its owners, officers, and employees from any claims, damages, losses, or liabilities (including reasonable legal fees) arising from:
This indemnity survives termination of this Agreement.
We shall not be liable for any failure or delay in performance due to events beyond our reasonable control, including acts of God, war, civil unrest, natural disasters, failures of public utilities or internet infrastructure, or government actions.
We reserve the right to suspend or terminate your access at any time, with or without notice, for any breach of this Agreement or if your use poses a security or legal risk.
You may terminate your account at any time through the app's Account settings or by contacting us at [email protected].
Upon termination, your right to use Premium features ceases immediately. Local browser-stored data remains on your device until you clear it. Cloud-stored data is handled in accordance with our Privacy Policy. We recommend exporting a backup before terminating your account.
Sections 4, 7, 8, and 9 survive termination of this Agreement.
We reserve the right to modify this Agreement at any time. We will provide at least 30 days' notice of any material changes via email to Premium subscribers or via a notice in the app. Your continued use of the Service after the effective date constitutes acceptance of the revised Agreement.
This Agreement is governed by the laws of the Province of Alberta, Canada. Any disputes arising from this Agreement shall first be subject to good-faith mediation. If mediation fails, disputes shall be resolved through binding arbitration administered by the ADR Institute of Canada under its Arbitration Rules, in Calgary, Alberta, in English.
All dispute resolution proceedings shall be conducted on an individual basis. You waive any right to participate in a class action lawsuit or class-wide arbitration.
For questions or legal correspondence regarding this Agreement:
Hirevo Inc.
[email protected]
See also our Privacy Policy.