Terms of Service

Last updated: December 2025

Agreement to Terms

By accessing or using fidser., you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service.

Description of Service

fidser. provides retirement planning tools and financial forecasting services for US households. Our platform helps users understand their financial trajectory and explore what-if scenarios.

Important Disclaimer

fidser. is for informational and educational purposes only and does not constitute financial, tax, or legal advice. The projections provided are estimates based on the assumptions you provide and historical data, which may not predict future results. Please consult with a qualified financial professional before making any financial decisions.

User Accounts

  • •You must provide accurate information when creating an account
  • •You are responsible for maintaining the security of your account
  • •You must be at least 18 years old to use our service
  • •One account per person; accounts are non-transferable

Subscriptions and Payments

Free Tier: Basic features at no cost with limited functionality.

Pro Tier: Monthly subscription with full access to all features including Monte Carlo simulations and multiple scenarios.

Billing: Subscriptions are billed monthly. You can cancel at any time and retain access until the end of your billing period.

Refunds: We do not offer refunds for partial subscription periods. If you have exceptional circumstances, please contact us.

Acceptable Use

You agree not to:

  • •Use the service for any illegal purpose
  • •Attempt to gain unauthorized access to our systems
  • •Share your account credentials with others
  • •Reverse engineer or copy our software
  • •Use automated systems to access our service without permission

Intellectual Property

All content, features, and functionality of fidser. are owned by us and are protected by international copyright, trademark, and other intellectual property laws. Your use of our service does not grant you any ownership rights to our content or software.

Limitation of Liability

To the maximum extent permitted by law, fidser. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our service.

Termination

We may terminate or suspend your account at any time for violations of these terms. You may also delete your account at any time by contacting us. Upon termination, your right to use the service will immediately cease.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through our platform. Continued use of the service after changes constitutes acceptance of the new terms.

Governing Law

These terms shall be governed by and construed in accordance with the laws of New Zealand. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of New Zealand.

Contact Us

If you have questions about these terms, please contact us at hello@fidser.com.