The short version
Silver Clarity is a retirement planning tool, not financial advice. We charge $49 once for lifetime access to Pro features. We offer a 30-day refund. Use the tool to inform your own decisions, not to replace a qualified financial professional.
1. Who we are
"Silver Clarity," "we," "us," and "our" refer to the operator of silver-clarity.com. By using the site or creating an account, you ("you," "user") agree to these Terms.
If you don't agree, please don't use the service.
2. Not financial advice
Silver Clarity is an educational tool. Nothing on this site is financial, tax, legal, or investment advice. The calculations, projections, and outputs are estimates based on the inputs you provide and a set of simplifying assumptions. Real-world outcomes will differ.
You should consult a qualified financial advisor, tax professional, or attorney before making decisions about your retirement, taxes, or investments. We are not your fiduciary.
Specifically, the service does not:
- Recommend specific investments, products, or strategies
- Predict market returns, inflation, or future tax law
- Account for every nuance of your personal financial situation
- Replace the judgment of a licensed professional
3. Your account
To save plans or use Pro features, you'll create an account with an email address and password. You're responsible for:
- Keeping your password secure and not sharing it
- All activity that happens under your account
- Notifying us promptly at support@silver-clarity.com if you suspect unauthorized access
You must be at least 18 years old to create an account. One account per person.
4. The free tool and Pro upgrade
The free calculator on the homepage is available to anyone, no account required. With a free account you can save one named scenario.
Silver Clarity Pro is a one-time $49 USD purchase that unlocks:
- The advanced retirement planner
- Unlimited named scenarios
- Lifetime access — no recurring subscription, no renewal fees
"Lifetime" means for as long as Silver Clarity continues to operate as a service. We don't guarantee the service will run forever. If we ever shut it down, we'll give you at least 30 days notice and an opportunity to export your data.
5. Payment and refunds
Payment is processed securely by Stripe. We don't see or store your card details.
30-day refund policy. If you're not satisfied with Pro within 30 days of purchase, email support@silver-clarity.com for a full refund — no questions asked. Refunds are issued via Stripe to your original payment method and typically appear within 5–10 business days.
After 30 days, refunds are at our discretion.
If you receive a refund, your account reverts to the free tier. Saved scenarios beyond the free-tier limit will become read-only until you upgrade again or delete them.
6. Acceptable use
You agree not to:
- Use the service for any unlawful purpose
- Attempt to access another user's data
- Probe, scan, or test the vulnerability of our systems without permission
- Reverse-engineer, scrape, or copy the site for resale or redistribution
- Use automated tools (bots, scrapers) to interact with the service
- Upload malicious code or attempt to disrupt the service
- Misrepresent who you are or impersonate someone else
We may suspend or terminate accounts that violate these rules.
7. Your data and privacy
Our handling of your personal data is governed by our Privacy Policy. In short: we collect the minimum needed to run the service, we don't sell it, and you can delete your account anytime.
You retain ownership of the inputs you enter (ages, savings amounts, scenario names, etc.). By using the service, you grant us a limited license to store and process that data solely to provide the service to you.
8. Intellectual property
The Silver Clarity name, logo, design, code, and content are owned by us and protected by copyright and trademark law. You may use the service for personal retirement planning. You may not copy, modify, distribute, or create derivative works from the site without written permission.
9. Account termination
You can delete your account at any time by emailing support@silver-clarity.com. Your data will be permanently deleted within 30 days, except where we're legally required to retain certain records.
We reserve the right to suspend or terminate accounts that violate these Terms, with or without notice. If we terminate your account for cause (e.g. fraud, abuse), you are not entitled to a refund.
10. Disclaimers
The service is provided "as is" and "as available" without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties including merchantability, fitness for a particular purpose, accuracy, and non-infringement.
We don't warrant that:
- The service will be uninterrupted, secure, or error-free
- The calculations will match your actual financial outcomes
- The site will be available in any particular jurisdiction
11. Limitation of liability
To the fullest extent permitted by law, Silver Clarity and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost savings, or financial losses resulting from decisions you made based on the service's outputs.
Our total liability for any claim arising out of these Terms or your use of the service is limited to the amount you paid us in the 12 months preceding the claim, or $49, whichever is greater.
Some jurisdictions don't allow these limitations, so they may not apply to you in full.
12. Indemnification
You agree to indemnify and hold harmless Silver Clarity and its operators from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms or misuse of the service.
13. Changes to these Terms
We may update these Terms from time to time. If we make material changes, we'll email registered users and post a notice on the site at least 30 days before they take effect. Minor edits will be reflected in the "Last updated" date at the top.
Your continued use of the service after changes take effect means you accept the updated Terms.
14. Governing law
These Terms are governed by the laws of the United States and the state in which the service operator resides, without regard to conflict-of-law principles. Any dispute will be resolved in the state or federal courts located in that jurisdiction, and you consent to that venue.
15. Contact
Questions about these Terms? Email support@silver-clarity.com.