Effective Date: April 29, 2026
Acceptance of Terms
By accessing or using the Retirement Risk Score Calculator (this "Site"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this Site.
Educational Purpose Only
This Site and the Retirement Risk Score Calculator are provided for educational and informational purposes only. The calculator, its results, and any related content are not intended to constitute, and should not be construed as, financial advice, investment advice, insurance advice, tax advice, or legal advice of any kind.
No content on this Site creates or implies a professional relationship of any kind between you and the operators of this Site, or between you and any licensed professional who may contact you following your form submission.
Results Are Estimates Only
The risk score and any output generated by this calculator are estimates based solely on the information you enter. They are not personalized financial recommendations, projections, or guarantees of any kind. The results do not account for the full complexity of your financial situation, tax circumstances, health status, estate planning needs, or any other factors that a licensed financial professional would consider.
Actual retirement outcomes depend on many variables — including market performance, interest rates, inflation, longevity, healthcare costs, and legislative changes — that this calculator cannot predict or account for.
No Guarantee of Outcomes
Nothing on this Site should be interpreted as a promise or guarantee of any specific financial result. Past market performance does not guarantee future results. Any strategies or approaches referenced on this Site are not guaranteed to be suitable for your circumstances.
User Responsibility
You assume full responsibility for any decisions you make based on information obtained from this Site. Before making any financial, investment, or insurance decision, you should:
- Consult with a qualified, licensed financial advisor, insurance professional, or other appropriate licensed expert.
- Carefully review all product disclosures, prospectuses, and contract terms.
- Consider your personal financial situation, goals, risk tolerance, and time horizon.
Third-Party Contact
By submitting the contact form on this Site, you consent to being contacted by one or more licensed insurance and/or financial professionals. Such professionals are independent of this Site. This Site does not endorse any specific professional, product, or strategy, and makes no representations regarding the suitability of any professional or product for your needs.
Intellectual Property
All content on this Site, including text, design, and functionality, is the property of the Site operator and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without express written permission.
Limitation of Liability
To the fullest extent permitted by applicable law, the operators of this Site shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Site, your reliance on any content herein, or any decisions made based on the calculator's output.
Links and Third-Party Services
This Site uses Formspree for form processing. Your use of Formspree's services is subject to their own terms and privacy policy. We are not responsible for the practices of any third-party service provider.
Changes to These Terms
We reserve the right to modify these Terms of Use at any time. Changes will be effective upon posting to this page with an updated effective date. Continued use of the Site constitutes your acceptance of the revised terms.
Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to its conflict of law provisions.
Contact
Questions about these Terms of Use may be directed to:
Determined Solutions Durham LLC
4823 Marborough Way
Durham, NC 27713
Email: seo@determinedsolutions.com