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ChartFIBeta

Terms of Service

TERMS OF SERVICE

Effective Date: September 1, 2026

Plain-Language Summary (Not a Substitute for the Full Terms)

This summary is provided for convenience only. It is not part of the agreement and does not modify the Terms below. If there is any conflict, the full Terms control.

  • ChartFI is software that helps you model retirement and tax planning scenarios. It is not financial, investment, tax, legal, or accounting advice, and using it does not create any professional or fiduciary relationship.
  • All projections rely on assumptions and are illustrations, not guarantees. Real outcomes will differ.
  • Paid plans are monthly or annual and renew automatically until you cancel. You can cancel anytime online, and we'll tell you before we charge you for a renewal or a price change where required.
  • We offer a 14-day free trial that converts to a paid subscription unless you cancel before it ends.
  • New subscribers can request a full refund within 14 days of their first charge. Renewal charges aren't refundable except where the law requires.
  • ChartFI is offered only to U.S. residents.
  • You keep ownership of the financial data you enter. We take only the limited license we need to run the service.
  • Disputes are resolved by individual arbitration with a class-action waiver, unless you opt out within 30 days (see Section 22).
  • These Terms are governed by Pennsylvania law; the arbitration agreement is governed by the Federal Arbitration Act.

1. Introduction

Welcome to ChartFI.

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Good Trajectory LLC, a Pennsylvania limited liability company ("Good Trajectory," "Company," "we," "our," or "us"). "ChartFI" refers to the products and services described below, which are owned and operated by Good Trajectory LLC.

These Terms govern your access to and use of:

  • the ChartFI website;
  • the ChartFI web application;
  • any mobile applications we may make available;
  • artificial intelligence features;
  • planning tools;
  • calculators;
  • reports;
  • downloadable materials;
  • customer support; and
  • any other products or services we provide that reference these Terms

(collectively, the "Services").

These Terms incorporate by reference our Privacy Policy, our AI Use & Transparency Policy, and our Financial Disclaimer. Together with these Terms, those policies form the legal framework governing your use of the Services.

By creating an account, purchasing a subscription, starting a free trial, accessing the Services, or otherwise using ChartFI, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree to these Terms, you may not access or use the Services.

2. Eligibility

To use the Services, you represent and warrant that:

  • you are at least eighteen (18) years old;
  • you possess the legal capacity to enter into a binding contract;
  • you are not prohibited from using the Services under applicable law;
  • your use of the Services will comply with all applicable federal, state, and local laws and regulations; and
  • all information you provide to ChartFI is truthful, accurate, current, and complete.

The Services are offered only to individuals residing in the United States. By using the Services, you represent that you are a U.S. resident. The Services are not directed to, or intended for use by, individuals located outside the United States, and we do not offer the Services in other jurisdictions.

ChartFI is designed exclusively around United States financial, retirement, and tax concepts. The Services may not accurately reflect the laws, tax rules, retirement systems, or financial regulations applicable outside the United States. If you access the Services from outside the United States, you do so on your own initiative and are responsible for compliance with local law.

We reserve the right to refuse service, suspend access, or terminate accounts that fail to satisfy these eligibility requirements.

3. Description of the Services

ChartFI is financial planning software designed to assist users with organizing financial information, modeling retirement scenarios, evaluating tax strategies, and understanding the effects of user-selected assumptions.

The Services may include, among other things:

  • retirement planning tools;
  • financial projection calculators;
  • tax estimation tools;
  • withdrawal strategy modeling;
  • educational planning resources;
  • interactive charts and visualizations;
  • AI-assisted explanations of calculations;
  • scenario comparison tools; and
  • other planning features that may be introduced from time to time.

ChartFI is software only.

ChartFI does not:

  • provide investment advisory services;
  • recommend securities;
  • execute trades;
  • manage investment accounts;
  • custody assets;
  • provide brokerage services;
  • prepare tax returns;
  • provide legal services;
  • provide accounting services;
  • act as a fiduciary;
  • guarantee financial outcomes.

The Services are intended to assist you in evaluating hypothetical scenarios using assumptions selected by you.

4. Important Financial Disclaimer

PLEASE READ THIS SECTION CAREFULLY. This Section is supplemented by our separate Financial Disclaimer, which is incorporated into these Terms by reference. If there is any conflict between this Section and the Financial Disclaimer, these Terms control unless applicable law requires otherwise.

ChartFI provides educational software and financial planning tools.

The Services are not intended to replace qualified professional advice.

Nothing within the Services constitutes:

  • investment advice;
  • financial advice;
  • legal advice;
  • tax advice;
  • accounting advice;
  • estate planning advice;
  • insurance advice; or
  • any other regulated professional service.

No content made available through the Services should be interpreted as a recommendation that you buy, sell, hold, exchange, transfer, contribute to, withdraw from, refinance, convert, or otherwise transact in any investment, retirement account, insurance product, tax strategy, or financial product.

All calculations, illustrations, projections, assumptions, forecasts, reports, and estimates generated by ChartFI are informational only.

They are intended solely to help you evaluate hypothetical planning scenarios.

They should not be relied upon as the sole basis for making financial decisions.

You remain solely responsible for evaluating your personal circumstances and determining whether any financial decision is appropriate.

Before making significant financial, retirement, investment, legal, tax, or estate planning decisions, you should consult appropriately licensed professionals familiar with your individual circumstances.

5. No Professional Relationship

Your use of the Services does not create any professional relationship between you and Good Trajectory LLC.

Specifically, your use of ChartFI does not establish:

  • an investment adviser-client relationship;
  • a financial planner-client relationship;
  • a fiduciary relationship;
  • a broker-customer relationship;
  • a tax preparer-client relationship;
  • an accountant-client relationship;
  • an attorney-client relationship; or
  • any other professional advisory relationship.

No employee, contractor, representative, AI feature, customer support representative, documentation, tutorial, report, or other communication provided by ChartFI should be interpreted as creating any such relationship.

6. Assumptions, Calculations, and Projections

The Services perform calculations using mathematical models based upon information supplied by you together with assumptions selected by you or generated by the software.

Examples of assumptions may include:

  • investment returns;
  • inflation rates;
  • retirement ages;
  • contribution amounts;
  • salary growth;
  • tax rates;
  • Social Security estimates;
  • Required Minimum Distribution rules;
  • withdrawal strategies;
  • life expectancy assumptions; and
  • other variables.

Financial planning necessarily involves uncertainty.

Future events cannot be predicted with certainty.

Accordingly, you acknowledge and agree that:

  • future market performance is unknown;
  • inflation rates may differ materially from assumptions;
  • tax laws may change;
  • retirement laws may change;
  • Social Security rules may change;
  • Medicare rules may change;
  • IRS guidance may change;
  • Congress may enact legislation affecting retirement planning;
  • investment performance may differ substantially from assumed returns;
  • actual retirement outcomes may differ materially from projected outcomes.

ChartFI makes no representation or warranty that any projection, estimate, forecast, probability, simulation, or scenario generated by the Services will occur.

Projected outcomes are illustrations—not guarantees.

7. User Responsibilities

You are solely responsible for:

  • all information you enter into the Services;
  • maintaining accurate and current financial information;
  • reviewing generated reports for reasonableness;
  • independently verifying important calculations;
  • protecting your account credentials;
  • maintaining the confidentiality of your password;
  • maintaining the security of devices used to access the Services; and
  • all activity occurring under your account.

You acknowledge that inaccurate, incomplete, outdated, or misleading information entered into the Services may materially affect calculations, projections, reports, AI explanations, and other outputs.

ChartFI is not responsible for errors resulting from inaccurate or incomplete user-provided information.

8. User Accounts

To access certain features, you must create an account.

You agree to:

  • provide accurate registration information;
  • maintain current contact information;
  • promptly update information that becomes inaccurate;
  • keep your password confidential;
  • notify us immediately of unauthorized use of your account;
  • use only your own account unless expressly authorized by us.

You may not:

  • share your account with another individual;
  • permit another person to access your subscription;
  • transfer your account without our written consent;
  • create multiple accounts to circumvent subscription limits;
  • impersonate another person;
  • register using false identities.

You remain responsible for all activity occurring under your account unless and until you notify us of unauthorized access.

9. Subscription Plans, Free Trials, Billing, Automatic Renewal, Cancellation, and Refunds

9.1 Subscription Plans

ChartFI may offer one or more subscription plans, including a free plan and one or more paid subscription plans.

The features, limitations, pricing, usage limits, and benefits associated with each subscription plan are described on the ChartFI website or within the Services and may change from time to time.

Access to certain features may require an active paid subscription.

The Company reserves the right to modify, discontinue, replace, or introduce subscription plans at any time.

9.2 Free Accounts

Free accounts are provided at our sole discretion.

Features available under a free account may be limited by, among other things:

  • available tools;
  • saved scenarios;
  • planning functionality;
  • AI features;
  • export capabilities;
  • storage limits;
  • future feature availability.

The Company may modify or discontinue free features at any time without liability.

9.3 Paid Subscriptions

Paid subscriptions provide access to additional functionality during the applicable subscription period.

Paid subscriptions are offered on a monthly or annual basis, as selected by you at the time of purchase.

Unless otherwise stated, subscriptions are personal to the subscriber and may not be shared, transferred, sublicensed, or assigned.

Access to paid features continues only while your subscription remains active and your account is in good standing.

9.4 Free Trials

From time to time we may offer a fourteen (14) day free trial of a paid subscription.

Before you start a free trial, we will disclose, clearly and conspicuously and before collecting your billing information:

  • that the trial lasts fourteen (14) days;
  • that, unless you cancel before the trial ends, your subscription will automatically begin and your payment method will be charged the then-current subscription fee;
  • the amount and billing frequency of the subscription that will begin after the trial; and
  • how to cancel before the trial ends.

By starting a free trial, you provide your express affirmative consent to these terms. We will also send you an acknowledgment (for example, by email) that you can retain, describing the trial terms and how to cancel.

You may cancel at any time during the trial through your account settings or another method we make available, and cancellation before the end of the trial prevents any charge. Where practicable, we will send you a reminder before your first charge, but you remain responsible for cancelling if you do not wish to be charged.

Free trials are limited to one per user unless we expressly state otherwise. We may modify or discontinue free trial offers at any time.

9.5 Billing

Paid subscriptions are billed through our authorized payment processor (currently Stripe, Inc.).

By purchasing a subscription or starting a free trial that converts to a paid subscription, you authorize ChartFI and its payment processor to charge the payment method associated with your account for:

  • subscription fees;
  • applicable taxes;
  • any other charges you expressly authorize.

You represent that you are authorized to use the payment method submitted.

You are responsible for maintaining accurate billing information at all times.

9.6 Automatic Renewal and Your Consent

Unless you cancel before the end of the applicable subscription period, your subscription will automatically renew for successive renewal periods of the same duration (monthly plans renew monthly; annual plans renew annually).

Before you purchase a paid subscription, we will present the automatic renewal terms clearly and conspicuously and before collecting your billing information, including:

  • that the subscription automatically renews until cancelled;
  • the length of the renewal term;
  • the amount (or range) and frequency of the charges; and
  • how to cancel.

By purchasing, you provide your express affirmative consent to these automatic renewal terms, separate from any other portion of the transaction. After purchase, we will provide an acknowledgment that you can retain, describing the renewal terms, the cancellation policy, and how to cancel.

You authorize ChartFI to automatically charge your payment method for each renewal, using the payment method associated with your account at the time of renewal, until your subscription is cancelled.

9.7 Renewal Reminders and Change Notices

For annual subscriptions (and any subscription with an initial term of one year or longer that automatically renews), we will send you a renewal reminder before each renewal, within the window required by applicable law (generally not less than 15 and not more than 45 days before renewal). The reminder will describe the length and terms of the renewal period, the amount or range of charges, the frequency of charges, and how to cancel.

Where applicable law requires notice of a material change to the Services or the subscription, we will provide that notice in a form you can retain.

Notices under this Section will be sent in the same medium you used to enroll or a medium you ordinarily use to interact with us (for example, email).

9.8 Subscription Fees

Subscription pricing is displayed at the time of purchase.

Unless expressly stated otherwise:

  • all prices are quoted in U.S. Dollars;
  • applicable taxes may be added where required by law;
  • promotional pricing may be temporary;
  • discounts may not be combined unless expressly permitted.

9.9 Price Changes

We may modify subscription pricing from time to time. Price changes apply prospectively.

Before a price change affecting your existing subscription takes effect, we will provide you advance notice within the window required by applicable law (generally not less than 7 and not more than 30 days before the change takes effect). The notice will describe the new price and how to cancel.

If you do not agree to the new price, you may cancel before the change takes effect. Your continued subscription on or after the effective date of the price change constitutes acceptance of the updated pricing.

9.10 Failed Payments

If a payment cannot be successfully processed, we may:

  • retry the charge;
  • suspend access to paid features;
  • downgrade your account to the free plan;
  • terminate your subscription;
  • restrict access until payment is received.

Failure to make timely payment does not relieve you of your obligation to pay amounts owed.

9.11 Cancellation

You may cancel your paid subscription at any time through your account settings or another method we make available. Cancellation will be at least as easy as the method you used to subscribe, and if you subscribed online, you may cancel online without having to contact us or complete additional steps beyond those reasonably necessary to confirm the cancellation.

Cancellation prevents future renewal charges.

Your paid features will remain available until the end of the period already paid for.

Unless otherwise required by law, cancellation does not entitle you to a refund for the unused portion of the current subscription period.

9.12 Refund Policy

14-Day Money-Back Guarantee (New Subscribers). If you are a first-time paid subscriber, you may request a full refund of your first subscription charge within fourteen (14) days after that charge by contacting us or using any self-service refund option we make available. This applies to your first monthly or first annual charge. Upon refund, your paid access ends. This guarantee applies once per customer and does not apply to renewal charges.

Except as provided above, or where required by applicable law or expressly stated by ChartFI in writing, subscription fees (including renewal charges) are non-refundable.

We are not otherwise obligated to provide refunds or credits for partial subscription periods, unused Services, dissatisfaction with projections, changes in your financial circumstances, changes in tax laws, or feature preferences.

Nothing in this Section limits any non-waivable rights or remedies provided to you by applicable law.

10. Acceptable Use

You agree to use the Services only for lawful purposes and in accordance with these Terms.

You may not:

  • violate any applicable law or regulation;
  • use the Services for fraudulent or deceptive purposes;
  • interfere with the operation or security of the Services;
  • attempt unauthorized access to any account, system, or network;
  • bypass or disable security measures;
  • introduce malware, viruses, ransomware, spyware, worms, or malicious code;
  • perform denial-of-service attacks;
  • probe, scan, or test system vulnerabilities without authorization;
  • use bots or automated tools except where expressly authorized;
  • scrape or systematically extract data;
  • harvest user information;
  • impersonate another individual or entity;
  • create accounts using false identities;
  • circumvent subscription limits;
  • share subscription credentials;
  • resell access to the Services;
  • sublicense the Services;
  • use the Services to provide financial planning services to third parties without our written authorization;
  • interfere with another user's enjoyment of the Services;
  • engage in abusive or harassing behavior toward Company personnel;
  • use the Services to violate another person's legal rights.

We reserve the right to investigate suspected violations and cooperate with law enforcement where appropriate.

11. Artificial Intelligence Features

Certain features of the Services may utilize artificial intelligence ("AI"). Your use of AI features is also governed by our AI Use & Transparency Policy, which is incorporated into these Terms by reference.

AI functionality is intended to enhance the user experience by explaining calculations, describing software functionality, assisting with educational content, and helping users understand information generated by the Services.

AI features are not intended to provide:

  • investment advice;
  • financial advice;
  • tax advice;
  • legal advice;
  • accounting advice;
  • personalized professional recommendations.

Although we implement safeguards designed to limit inappropriate responses, AI-generated content is produced automatically and may contain inaccuracies, omissions, ambiguities, outdated information, or incorrect conclusions.

Accordingly, you acknowledge that:

  • AI responses may be incorrect;
  • AI responses may not reflect current law;
  • AI responses should be independently verified;
  • important financial decisions should not rely solely upon AI output.

The Company makes no representation or warranty regarding the accuracy, completeness, or reliability of AI-generated responses.

11.1 AI Availability

AI functionality may be modified, suspended, rate limited, or discontinued at any time.

Availability may vary by subscription tier.

The Company does not guarantee uninterrupted availability of AI features.

11.2 AI Usage Restrictions

You may not use AI features to:

  • violate applicable law;
  • generate unlawful content;
  • harass others;
  • reverse engineer AI prompts or safeguards;
  • systematically extract AI outputs;
  • train another artificial intelligence model using ChartFI outputs without our written permission;
  • circumvent usage limits.

Violation of this Section may result in suspension or termination of your account.

12. Intellectual Property

The Services, including all software, source code, calculations, algorithms, interfaces, graphics, text, visualizations, trademarks, logos, documentation, AI prompts, reports, designs, databases, workflows, and other materials provided by the Company are owned by or licensed to Good Trajectory LLC and are protected by United States and international intellectual property laws.

Except for the limited license expressly granted in these Terms, no ownership rights are transferred to you.

12.1 Limited License

Subject to your compliance with these Terms, Good Trajectory LLC grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your own personal, non-commercial financial planning purposes during the period your account remains active.

This license does not permit you to:

  • copy the Services;
  • distribute the Services;
  • sell the Services;
  • sublicense the Services;
  • modify the Services;
  • create derivative works from the Services except as expressly permitted by law.

12.2 Restrictions on Reverse Engineering

Except where prohibited by applicable law, you may not:

  • reverse engineer;
  • decompile;
  • disassemble;
  • derive source code;
  • reproduce proprietary algorithms;
  • recreate calculation methodologies;
  • publish benchmarking or performance testing of the Services without our written consent;
  • use proprietary portions of the Services to develop a competing product.

12.3 Feedback

If you submit suggestions, ideas, enhancement requests, comments, or other feedback regarding the Services, you grant Good Trajectory LLC a perpetual, irrevocable, worldwide, royalty-free license to use, modify, incorporate, publish, commercialize, and otherwise exploit such feedback without restriction or compensation.

You acknowledge that we have no obligation to implement any suggestion.

13. User Data and User Content

You retain ownership of the financial information, assumptions, notes, and other content that you enter into the Services ("User Data").

You grant Good Trajectory LLC a limited, worldwide, non-exclusive, royalty-free license to host, store, process, reproduce, transmit, display, back up, and otherwise use User Data solely as reasonably necessary to:

  • operate the Services;
  • provide requested functionality;
  • maintain security;
  • create backups;
  • comply with legal obligations;
  • enforce these Terms;
  • improve reliability and performance.

This license terminates when your User Data is permanently deleted from our systems, except to the extent retention is required by law, backup procedures, dispute resolution, fraud prevention, or legitimate business records.

You represent and warrant that:

  • you own or have the necessary rights to all User Data submitted to the Services;
  • your User Data does not violate applicable law;
  • your User Data does not infringe another person's intellectual property rights;
  • your User Data does not contain malicious code intended to interfere with the Services.

The Company does not claim ownership of your User Data except as expressly provided in these Terms.

14. Privacy

Your privacy is important to us.

Our collection, use, storage, disclosure, and protection of personal information are governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes, among other things, the categories of information you may provide, how we use and share it, our security and retention practices, and your privacy choices and rights.

By using the Services, you acknowledge that you have read and understand our Privacy Policy.

If these Terms conflict with the Privacy Policy regarding contractual rights and obligations, these Terms shall govern to the extent of the conflict, unless otherwise required by applicable law.

You are solely responsible for determining what information you choose to enter into the Services. As described more fully in the Privacy Policy, the Company does not require you to enter financial account numbers, Social Security numbers, or tax-return information to use the Services, and we discourage entering highly sensitive information that the Services do not request.

15. Third-Party Services

The Services may rely upon third-party providers to operate certain functionality.

These providers may include services supporting:

  • payment processing;
  • cloud hosting;
  • database infrastructure;
  • authentication;
  • email delivery;
  • monitoring;
  • analytics;
  • artificial intelligence;
  • customer support.

Your use of those third-party services may also be subject to the applicable third party's own terms, privacy policies, and operating practices.

ChartFI is not responsible for the acts, omissions, policies, security practices, availability, or performance of independent third-party providers.

15.1 Payment Processing

Payments are processed through an independent payment processor (currently Stripe, Inc.).

The Company does not store complete payment card information on its own systems.

Payment transactions are subject to the terms and privacy policies of the applicable payment processor.

15.2 Artificial Intelligence Providers

Certain AI functionality may utilize technology provided by third-party AI service providers.

Information submitted to AI features may be transmitted to those providers solely as necessary to generate responses.

Your use of AI functionality remains subject to these Terms, our AI Use & Transparency Policy, and our Privacy Policy.

15.3 Third-Party Availability

The Company is not responsible for interruptions resulting from failures of:

  • cloud providers;
  • payment processors;
  • internet service providers;
  • hosting providers;
  • domain registrars;
  • certificate authorities;
  • AI providers;
  • email providers;
  • other third-party infrastructure.

Temporary interruptions of third-party services do not constitute a breach of these Terms.

16. Service Availability and Changes

We continually improve the Services.

Accordingly, we reserve the right to:

  • modify features;
  • improve functionality;
  • redesign interfaces;
  • introduce new tools;
  • discontinue features;
  • impose usage limits;
  • change subscription offerings;
  • add or remove integrations;
  • correct software defects;
  • perform scheduled maintenance.

We are not obligated to maintain any particular feature or functionality indefinitely.

16.1 Maintenance

The Services may periodically become unavailable due to:

  • scheduled maintenance;
  • emergency maintenance;
  • security updates;
  • software deployments;
  • infrastructure upgrades;
  • circumstances beyond our reasonable control.

Where reasonably practicable, we will attempt to minimize service interruptions.

16.2 Beta Features

From time to time we may designate certain functionality as Beta, Preview, Experimental, Early Access, or similar.

Beta features are provided solely for evaluation purposes.

Beta features may:

  • contain bugs;
  • change substantially;
  • produce inaccurate results;
  • be discontinued without notice;
  • never become generally available.

Unless otherwise required by law, Beta features are provided "AS IS" without warranties of any kind.

17. Data Security and Retention

We implement commercially reasonable administrative, technical, and organizational safeguards designed to protect the confidentiality, integrity, and availability of information stored within the Services.

Nevertheless, you acknowledge that:

  • no software is completely secure;
  • internet communications are inherently subject to risk;
  • unauthorized access may occur despite reasonable safeguards;
  • cybersecurity threats continually evolve.

Accordingly, we cannot guarantee that unauthorized access, data loss, or security incidents will never occur.

17.1 Account Security

You are responsible for maintaining the confidentiality of your login credentials.

You agree to notify us promptly if you become aware of:

  • unauthorized account access;
  • suspected credential compromise;
  • unauthorized use of your account.

Failure to promptly notify us may increase the risk of unauthorized activity for which you remain responsible.

17.2 Data Retention

We may retain information:

  • while your account remains active;
  • as necessary to comply with legal obligations;
  • to resolve disputes;
  • to enforce these Terms;
  • for fraud prevention;
  • for backup and disaster recovery;
  • for legitimate business purposes consistent with applicable law.

Deletion requests may not immediately remove information from backup systems. Our retention practices are described further in the Privacy Policy.

18. Disclaimer of Warranties

PLEASE READ THIS SECTION CAREFULLY.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS.

GOOD TRAJECTORY LLC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, WITHOUT LIMITATION:

  • MERCHANTABILITY;
  • FITNESS FOR A PARTICULAR PURPOSE;
  • TITLE;
  • NON-INFRINGEMENT;
  • ACCURACY;
  • RELIABILITY;
  • SECURITY;
  • AVAILABILITY;
  • UNINTERRUPTED ACCESS.

WITHOUT LIMITING THE FOREGOING, THE COMPANY DOES NOT WARRANT THAT:

  • THE SERVICES WILL ALWAYS BE AVAILABLE;
  • THE SERVICES WILL OPERATE WITHOUT INTERRUPTION;
  • THE SERVICES WILL BE ERROR-FREE;
  • DEFECTS WILL ALWAYS BE CORRECTED;
  • CALCULATIONS WILL BE FREE FROM ERROR;
  • TAX CALCULATIONS WILL REFLECT FUTURE LAW;
  • RETIREMENT PROJECTIONS WILL BE ACHIEVED;
  • AI RESPONSES WILL BE ACCURATE;
  • USER DATA WILL NEVER BE LOST;
  • THE SERVICES WILL MEET YOUR PARTICULAR OBJECTIVES OR EXPECTATIONS.

YOU ACKNOWLEDGE THAT FINANCIAL PLANNING INVOLVES INHERENT UNCERTAINTY.

NO SOFTWARE CAN GUARANTEE FUTURE FINANCIAL RESULTS.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In that case, such warranties are limited to the minimum scope and duration permitted by applicable law.

19. Limitation of Liability

THIS SECTION LIMITS OUR LIABILITY. PLEASE READ IT CAREFULLY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GOOD TRAJECTORY LLC, ITS MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, LICENSORS, SUPPLIERS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY:

  • INDIRECT DAMAGES;
  • INCIDENTAL DAMAGES;
  • CONSEQUENTIAL DAMAGES;
  • EXEMPLARY DAMAGES;
  • SPECIAL DAMAGES;
  • PUNITIVE DAMAGES;
  • LOST PROFITS;
  • LOST SAVINGS;
  • LOST BUSINESS OPPORTUNITIES;
  • LOST DATA;
  • BUSINESS INTERRUPTION;
  • LOSS OF GOODWILL;
  • DIMINUTION IN VALUE;
  • INVESTMENT LOSSES;
  • MISSED INVESTMENT OPPORTUNITIES;
  • TAX LIABILITIES;
  • TAX PENALTIES;
  • RETIREMENT SHORTFALLS;
  • LOSS ARISING FROM USER DECISIONS;
  • LOSS RESULTING FROM CHANGES IN LAW;
  • LOSS RESULTING FROM THIRD-PARTY SERVICES;
  • LOSS ARISING FROM RELIANCE UPON AI OUTPUTS;
  • LOSS ARISING FROM USER-ENTERED INFORMATION.

WHETHER ARISING UNDER CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

19.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF GOOD TRAJECTORY LLC ARISING OUT OF OR RELATING TO THE SERVICES SHALL NOT EXCEED THE GREATER OF:

  • ONE HUNDRED U.S. DOLLARS (US $100); OR
  • THE TOTAL SUBSCRIPTION FEES PAID BY YOU TO THE COMPANY DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

THIS LIMITATION APPLIES REGARDLESS OF THE NUMBER OF CLAIMS ASSERTED.

19.2 Exceptions to Limitations

NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. The exclusions and limitations in Sections 18, 19, and 19.1 do not apply to:

  • liability for fraud or fraudulent misrepresentation;
  • liability for gross negligence or willful misconduct;
  • liability for death or personal injury caused by our negligence;
  • any liability or right that applicable law does not permit to be waived or limited, including certain rights under state consumer-protection statutes.

To the extent any such liability applies, it is limited to the minimum extent (if any) permitted by applicable law.

19.3 Essential Basis

YOU ACKNOWLEDGE THAT THE LIMITATIONS OF LIABILITY CONTAINED IN THESE TERMS ARE A FUNDAMENTAL PART OF THE AGREEMENT BETWEEN YOU AND THE COMPANY.

THE FEES CHARGED FOR THE SERVICES REFLECT THIS ALLOCATION OF RISK.

THE COMPANY WOULD NOT PROVIDE THE SERVICES ON THE SAME TERMS WITHOUT THESE LIMITATIONS.

20. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Good Trajectory LLC, its members, managers, employees, contractors, affiliates, successors, assigns, licensors, and service providers from and against any third-party claims, demands, actions, proceedings, damages, liabilities, losses, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees) to the extent arising out of or relating to:

  • your violation of these Terms;
  • your violation of applicable law;
  • your User Data;
  • your infringement of another person's rights;
  • your misuse of AI features; or
  • your negligent or wrongful conduct.

This indemnification does not apply to the extent a claim arises from the Company's own gross negligence, willful misconduct, or violation of law.

The Company reserves the right, at its own expense, to assume the exclusive defense of any matter subject to indemnification.

If we do so, you agree to cooperate reasonably in our defense.

21. Suspension and Termination

21.1 Suspension of Access

The Company reserves the right, in its sole discretion and without prior notice where reasonably necessary, to suspend or restrict your access to all or any portion of the Services if we reasonably believe that:

  • you have violated these Terms;
  • your account has been compromised;
  • your use of the Services presents a security risk;
  • your use disrupts or degrades the Services;
  • your payment method fails or your subscription becomes delinquent;
  • your conduct may expose the Company or other users to legal liability;
  • suspension is necessary to investigate suspected fraud, abuse, or unlawful activity; or
  • suspension is otherwise necessary to protect the Services, our users, or the Company.

Where reasonably practicable, we may provide notice before suspending your account, but we are not obligated to do so.

21.2 Termination by You

You may terminate your account at any time by following the account deletion process made available through the Services or by contacting Customer Support.

Deleting your account through the Services also cancels any active paid subscription as part of the deletion process, so no further renewal charges will occur after a completed deletion. Charges already incurred before deletion are governed by Section 9, including the refund policy in Section 9.12. If you wish to cancel your subscription without deleting your account, cancellation is governed by Section 9.11.

21.3 Termination by the Company

We may terminate your account or these Terms immediately if:

  • you materially breach these Terms;
  • you repeatedly violate these Terms;
  • you engage in fraudulent, abusive, or unlawful conduct;
  • continued access presents an unacceptable security or legal risk;
  • required by applicable law or legal process;
  • we discontinue the Services.

Termination under this Section shall not limit any other remedies available to the Company. Where we terminate because we discontinue the Services (and not due to your breach), we will, where practicable, provide advance notice and a pro-rata refund of any prepaid fees for the unused portion of your subscription term.

21.4 Effect of Termination

Upon termination:

  • your license to use the Services immediately ends;
  • your right to access paid features terminates;
  • we may disable your account;
  • we may delete User Data in accordance with our Privacy Policy and data retention practices;
  • provisions intended to survive termination shall remain in effect.

Termination does not relieve either party of obligations that accrued before termination.

22. Dispute Resolution, Arbitration, and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO BRING A CLAIM IN COURT AND TO PARTICIPATE IN A CLASS ACTION.

This Section is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.) and evidences a transaction involving interstate commerce.

Except where prohibited by applicable law, you and Good Trajectory LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved as provided in this Section.

22.1 Informal Resolution

Before initiating arbitration or filing a lawsuit, either party agrees to first attempt to resolve the dispute informally.

A party seeking to initiate a claim shall provide written notice describing:

  • the nature of the dispute;
  • the factual basis of the claim;
  • the requested relief.

The parties agree to make a good-faith effort to resolve the dispute within thirty (30) days after receipt of such notice.

Nothing in this Section prevents either party from seeking temporary injunctive relief where necessary to prevent immediate and irreparable harm.

22.2 Your Right to Opt Out of Arbitration

You may opt out of this arbitration agreement (Section 22, other than Section 22.6 (Small Claims) and Section 22.7 (Jury Trial Waiver)) by sending written notice within thirty (30) days after you first accept these Terms.

To opt out, send an email to legal@chartfi.com (or the mailing address in Section 27) stating your name, the email address associated with your account, and a clear statement that you wish to opt out of the arbitration agreement.

If you opt out within the 30-day period, the arbitration agreement and class action waiver will not apply to you, and disputes will be resolved in court as provided in Section 23. Opting out has no other effect on these Terms and does not affect any prior arbitration agreement between you and the Company.

22.3 Binding Arbitration

If a dispute cannot be resolved informally and you have not opted out, it shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by these Terms.

The arbitration shall be conducted before one (1) neutral arbitrator.

The arbitrator shall have exclusive authority to resolve disputes regarding:

  • interpretation of these Terms;
  • enforceability of these Terms;
  • arbitrability of claims;
  • scope of this arbitration agreement.

The arbitrator may award any relief that would otherwise be available in a court of competent jurisdiction, subject to the limitations contained in these Terms.

22.4 Seat and Location of Arbitration

The legal seat of arbitration shall be the Commonwealth of Pennsylvania.

Unless the parties mutually agree otherwise, in-person arbitration proceedings shall occur in Philadelphia, Pennsylvania.

The arbitrator may permit proceedings to occur remotely by telephone or videoconference where appropriate.

22.5 Class Action Waiver

YOU AND THE COMPANY AGREE THAT ALL CLAIMS SHALL BE BROUGHT SOLELY IN AN INDIVIDUAL CAPACITY.

Neither party may:

  • participate in a class action;
  • participate in a collective action;
  • act as a class representative;
  • act as a private attorney general;
  • consolidate claims with those of other individuals except where expressly permitted by the AAA Rules.

The arbitrator shall have no authority to hear or decide class, representative, consolidated, or collective claims.

22.6 Small Claims Court

Nothing in these Terms prevents either party from bringing an individual claim in a court of competent small claims jurisdiction, provided the claim qualifies for such court and remains an individual action.

22.7 Jury Trial Waiver

To the fullest extent permitted by law, you and the Company knowingly and voluntarily waive any right to trial by jury for any dispute not subject to arbitration.

22.8 Injunctive Relief

Notwithstanding this arbitration agreement, either party may seek temporary or permanent injunctive or equitable relief in a court of competent jurisdiction for claims involving:

  • intellectual property infringement;
  • unauthorized access to the Services;
  • misuse of confidential information;
  • violations of the Company's proprietary rights.

Seeking such relief shall not constitute a waiver of the obligation to arbitrate all other claims.

22.9 Severability

If any portion of this arbitration agreement is found unenforceable, that provision shall be severed, and the remainder shall remain enforceable to the fullest extent permitted by law.

However, if the class action waiver in Section 22.5 is determined to be unenforceable with respect to a particular claim, then that claim shall proceed in a court of competent jurisdiction rather than in arbitration.

23. Governing Law and Venue

These Terms and any dispute arising out of or relating to the Services shall be governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of laws principles. (The arbitration agreement in Section 22 is governed by the Federal Arbitration Act.)

Except as otherwise provided in Section 22, any judicial proceeding shall be brought exclusively in the state or federal courts located in Philadelphia County, Pennsylvania, and each party irrevocably submits to the personal jurisdiction of those courts.

Nothing in this Section deprives you of the protection of any mandatory consumer-protection provisions of the law of the state in which you reside that cannot be waived by agreement.

24. Electronic Communications

By creating an account or using the Services, you consent to receive communications from the Company electronically.

Such communications may include:

  • legal notices;
  • updates to these Terms;
  • Privacy Policy updates;
  • billing notices;
  • subscription confirmations;
  • renewal notices;
  • service announcements;
  • security notifications;
  • customer support communications.

Electronic communications satisfy any legal requirement that communications be in writing.

You are responsible for maintaining an accurate email address associated with your account.

25. Changes to These Terms

We may modify these Terms from time to time to:

  • reflect changes in applicable law;
  • introduce new features;
  • improve clarity;
  • address security concerns;
  • reflect changes to our business operations;
  • protect our users and the Company.

If we make material changes, we will provide notice by one or more reasonable methods before the changes take effect, including:

  • posting updated Terms within the Services;
  • updating the "Effective Date"; and
  • sending an email to the address associated with your account.

For material changes to the arbitration agreement or class action waiver in Section 22, we will provide advance notice and, where required by applicable law, obtain your affirmative consent; such changes will not apply to any dispute of which we had actual notice before the change.

Changes will not apply retroactively to a dispute that arose before the revised Terms became effective.

Except as provided in the following paragraph, and unless otherwise required by applicable law, continued use of the Services after revised Terms become effective constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must discontinue use of the Services.

Where we determine that a revision is material, we may require you to affirmatively accept the revised Terms before continuing to use the Services. In that case, we will present the revised Terms, or a summary of the changes together with a link to the full text, and we will record your acceptance, including the version of the Terms accepted and the date and time of acceptance. Access to the Services may be suspended until such acceptance is provided. Requiring affirmative acceptance in one instance does not obligate us to do so for any other revision.

26. Miscellaneous

26.1 Entire Agreement

These Terms, together with our Privacy Policy, our AI Use & Transparency Policy, our Financial Disclaimer, and any other policies expressly incorporated by reference, constitute the entire agreement between you and Good Trajectory LLC regarding the Services and supersede all prior or contemporaneous understandings relating to the Services.

26.2 Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

26.3 No Waiver

Failure by the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

Any waiver must be in writing and signed by an authorized representative of the Company.

26.4 Assignment

You may not assign or transfer these Terms or any rights under them without our prior written consent.

The Company may assign these Terms in connection with a merger, acquisition, corporate reorganization, sale of assets, financing transaction, or operation of law.

26.5 Force Majeure

The Company shall not be liable for delays or failures to perform resulting from causes beyond its reasonable control, including natural disasters, acts of God, fire, flood, war, terrorism, civil unrest, labor disputes, internet outages, cloud provider failures, denial-of-service attacks, governmental actions, utility failures, pandemics, and failures of third-party infrastructure.

26.6 No Third-Party Beneficiaries

Except as expressly provided in these Terms, nothing herein creates any third-party beneficiary rights.

26.7 Relationship of the Parties

Nothing in these Terms creates any partnership, joint venture, employment relationship, agency relationship, or fiduciary relationship between you and the Company.

26.8 Headings

Section headings are provided solely for convenience and do not affect the interpretation of these Terms.

26.9 Survival

The following provisions survive termination of these Terms:

  • Intellectual Property (Section 12);
  • User Data licenses granted herein (Section 13);
  • Disclaimer of Warranties (Section 18);
  • Limitation of Liability (Section 19);
  • Indemnification (Section 20);
  • Dispute Resolution and Arbitration (Section 22);
  • Governing Law (Section 23);
  • Miscellaneous provisions (Section 26);
  • any provision that by its nature should survive termination.

27. Contact Information

Questions regarding these Terms may be directed to:

Good Trajectory LLC

Mailing Address: 533 E Girard Ave STE 76861, Philadelphia, PA 19125

Phone: 445-294-3517

Email: legal@chartfi.com

Website: https://chartfi.com

If the Company designates an updated legal contact or mailing address in the future, that address shall replace the address listed above upon publication.

28. Acknowledgement

BY CREATING AN ACCOUNT, CLICKING "I AGREE," PURCHASING A SUBSCRIPTION, STARTING A FREE TRIAL, OR OTHERWISE ACCESSING OR USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS OF SERVICE.