Clear planning, not a promise.

1. Acceptance

By using Siegel Financial, you agree to these Terms of Use and the Privacy Policy. If you do not agree, do not use the app.

2. Educational tool only

Siegel Financial is an educational planning tool, not financial, investment, tax, accounting, insurance, legal, or retirement advice.

The app helps you organize information, estimate possible outcomes, and understand tradeoffs. It does not recommend that you buy, sell, hold, borrow, refinance, insure, or otherwise act on any specific product, account, security, strategy, or transaction.

3. Projections and calculations

Any projections, benchmarks, charts, scores, estimates, or summaries are based on the information you enter and assumptions used by the app. Real life will differ. Markets, taxes, inflation, income, expenses, laws, interest rates, insurance needs, family events, and behavior can all change outcomes.

You are responsible for checking your inputs and deciding whether assumptions are reasonable for your situation.

4. Your responsibilities

• Enter accurate information if you want useful outputs.
• Do not enter bank passwords, brokerage passwords, Social Security numbers, tax IDs, full account numbers, or payment card numbers.
• Keep your account password secure and sign out on shared devices.
• Export backups if you want an independent copy of your plan.
• Use the app lawfully and do not attempt to interfere with, reverse engineer, overload, scrape, or abuse the service.
• Report security concerns responsibly through the Security page.

5. Accounts, sync, and emails

You may use the app locally without creating an account. If you create an account, Firebase Authentication handles login and Firestore stores your plan so it can sync across devices. The app may send a welcome email and optional monthly reminder emails through Resend. You can turn monthly reminders off in Settings.

You can delete your account and saved cloud plan from Settings after password confirmation.

6. Availability and changes

The app may be changed, improved, interrupted, or discontinued. Features may change as the product develops. The app is provided as-is and as-available.

7. Intellectual property

The Siegel Financial name, interface, content, design, graphics, calculations, and software are owned by or licensed to Siegel Financial or its creator, except for third-party services, libraries, or assets that remain owned by their respective owners. You may use the app for your personal planning, but you may not copy, resell, redistribute, or create a competing service from it without permission.

8. No warranties

Siegel Financial does not guarantee that the app will be error-free, uninterrupted, secure, or suitable for your specific financial situation. Outputs may be incomplete, inaccurate, outdated, or based on assumptions that do not fit you.

9. Limitation of liability

To the fullest extent permitted by law, Siegel Financial and its creator are not liable for financial losses, lost profits, lost data, missed opportunities, investment outcomes, tax outcomes, or other damages arising from your use of, or reliance on, the app.

10. Contact

Questions about these terms can be sent to hello@siegelfinancial.org.