Using Runaway with clarity.

Scope and acceptance

These terms govern use of runaway.money and of the Runaway application, operated by [to complete: operator legal name]. Using the service means accepting them. If you do not accept them, do not use the service.

The service is intended for adults, or for anyone otherwise having the legal capacity to contract.

What the service is

Runaway is a visualization, simulation and thinking tool. It computes hypothetical wealth trajectories from the data and assumptions you enter, using the models described on the Methodology page.

The results shown are projections, not forecasts. They depend entirely on the quality of the data entered and on the assumptions chosen, particularly for returns, inflation, taxation and time horizon. Change an assumption and the result changes.

No personalized advice

Runaway provides no investment advice, no personalized recommendation, and no tax, legal or wealth-management advice. The operator is not registered as an investment adviser with the SEC or any state securities regulator and carries out no regulated activity of that kind.

[To be finalized by counsel: confirmation that the tool and its marketing do not trigger investment-adviser registration under the Investment Advisers Act of 1940 or state equivalents.]

Access modes: sandbox and account

The service is available in sandbox mode without an account: plans are then kept locally in your browser. Clearing browser data, switching devices or using private browsing can permanently lose them, with no way for the operator to recover them.

Creating an account allows plans to be saved and synced across devices. You are responsible for the accuracy of the information you enter and for the confidentiality of your credentials, and you must report any unauthorized use of your account without delay.

Free and Premium plans

The service includes a free plan and, where offered, a paid Premium plan giving access to additional features. The exact scope of each plan is the one displayed in the app at the time of use.

The financial terms of the Premium plan, including price, term, renewal and withdrawal rights, are set out in the sales terms.

Your data and your plans

You retain full ownership of the data and plans you enter. You grant the operator, for only as long as necessary to provide the service, the right to host, store, encrypt and return this content, and for no other purpose.

You warrant that you are entitled to enter the information you put into the service, in particular where it concerns a third party.

Permitted use

You may use the service for personal or internal professional purposes, in compliance with applicable law. The following are prohibited:

• circumventing or attempting to circumvent security measures, plan limits or technical quotas;
• automated extraction, bulk copying or reuse of the content, market data or code of the service;
• any action intended to disrupt, overload or degrade the service, including automated submissions through the contact form;
• reselling, redistributing or operating the service for a third party without prior written authorization.

Availability and changes

The service is provided as is, subject to availability. The operator may change it, alter its features, or suspend all or part of it for technical, security or maintenance reasons.

Market data shown comes from third-party sources and may be delayed, incomplete or temporarily unavailable. It is provided for information only.

If the service is permanently discontinued, you will be given a reasonable period to export your plans before data is deleted.

Liability

The operator is liable for direct and foreseeable damage resulting from a failure attributable to it. It is not liable for the financial, tax or wealth-management decisions you make, for the assumptions you choose, for inaccuracies in the data you enter, or for how markets, taxation or your own situation actually evolve.

Except in cases of gross negligence or wilful misconduct, and to the extent permitted by law, the operator’s liability in connection with the service is capped at the amounts you have actually paid to it during the twelve months preceding the triggering event. Indirect damage, including loss of chance, loss of profit and lost investment opportunity, is excluded.

Nothing in these terms limits mandatory consumer rights or any liability that cannot lawfully be excluded.

Suspension and termination

You can delete your account at any time from the app; deletion removes your plans as described in the privacy policy.

The operator may suspend or terminate access in the event of a serious breach of these terms, fraudulent use, or a demonstrated risk to the service or its users. Except in urgent cases or where the law requires otherwise, suspension is preceded by an email notice. Where an active subscription is terminated for a reason not attributable to the user, the unused portion is refunded.

Changes to these terms

These terms may be amended to reflect changes to the service or to the law. Any substantial change is notified by email or in the app at least thirty days before it takes effect. Continuing to use the service after that date constitutes acceptance; otherwise you can delete your account.

Governing law and disputes

[To be finalized by counsel: choice of governing state law and venue, and whether an arbitration / class-action-waiver clause applies.]