Last updated: August 17, 2026
These Terms of Service (the "Terms") govern your access to and use of the Retirement Scenario Lab website, application, and related services (collectively, the "Service"), operated by Jacobus Company, LLC ("Company," "we," "us," or "our"). Please read these Terms carefully. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
By accessing, browsing, or using the Service, you represent that (a) you are at least 18 years old, or the age of majority where you live, whichever is greater, (b) you have the legal capacity to enter into these Terms, and (c) you agree to comply with these Terms and all applicable laws. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization, and "you" refers to that organization.
We may require you to accept updated Terms in order to continue using the Service.
Retirement Scenario Lab is an educational and informational illustration tool for hypothetical financial modeling. The Service lets you enter assumptions — such as expected returns, inflation rates, contribution and withdrawal amounts, time horizons, and asset-allocation percentages — and performs transparent calculations to display hypothetical projections, including Monte Carlo simulations, scenario comparisons, and stress tests.
Use hypothetical figures. The Service is a learning sandbox, not a secure record-keeping system. You agree to enter only round, hypothetical, non-identifying figures and not to enter account numbers, government identifiers, or other sensitive personal information. Ballpark numbers produce the same educational insight.
The Service is not, and does not provide:
The Service holds no money or assets, does not custody or transmit funds, and does not link to or connect with any brokerage, banking, or investment account. See Section 6 (No Advice) and the Disclaimer.
Not a registered adviser. Jacobus Company, LLC is not a registered investment adviser, broker-dealer, or financial planner, and is not registered with the U.S. Securities and Exchange Commission, FINRA, or any state securities authority. Nothing in the Service is a solicitation or an offer to buy or sell any security.
The Service will change over time. We actively develop the Service, and its features, defaults, data sources, calculations, pricing, and packaging may be added to, changed, or removed. Section 3D and Section 11 describe how we handle changes.
Downloaded copies. These Terms also govern any copy of the application you download and run locally on your own device, including copies obtained from our source repository, except to the extent we expressly publish that copy under a different written license, in which case that license governs it. In-app acceptance of these Terms applies equally to local use.
Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your own personal, non-commercial, educational purposes, unless we separately offer an edition or license that permits other use (see Section 3D). We reserve all rights not expressly granted. All intellectual property in and to the Service, including software, design, text, output templates, and trademarks, is and remains the property of the Company or its licensors.
The Service offers free use that includes the full simulator, all charts, and one saved scenario. Keeping more than one scenario, sharing, exporting, printing, importing, and backup and restore require a paid Pro plan. On purchase you receive a license key granting a personal, non-transferable Pro license; we (or our provider) may validate the key, including periodic automatic re-validation by the application. Do not share, resell, or publish your license key.
Pro is an optional paid upgrade. It is a one-time charge of $14.99 for a 12-month license. It does not auto-renew — you will not be charged again, and there is nothing to cancel. When the 12 months end, Pro features are disabled after a short grace period; the free tier continues to work and your saved scenarios remain in your browser. One purchase permits up to 5 device activations.
Our policy is that all purchases are final and non-refundable, except where a refund is required by applicable law or is provided under Section 11 or Section 12. Because the free tier lets you evaluate the tool fully before paying, we ask you to try it first. Payment and license delivery are handled by our third-party provider (Polar), which acts as merchant of record — Polar is the seller on your receipt, and Polar's own refund and tax policies also apply to the transaction. Requests about a charge go to Polar through its customer portal.
Updates and support. Your 12-month Pro license includes product updates we release during its term. Support is provided on a self-service basis through our help documentation (see the Support page); we do not provide guaranteed one-to-one support. Receipts and billing are self-service through the provider's customer portal.
If you opt in to updates or purchase Pro, you agree we may send you related emails, product updates, and transactional or support messages about your purchase. Marketing emails include an unsubscribe link and you may opt out at any time; we may still send essential transactional messages about a purchase. We do not require an email address to use the tool. See the Privacy Policy.
Any historical market, inflation, interest-rate, tax, or benefit figures used in the Service are provided for educational reference from public and third-party sources, without warranty of accuracy or completeness, and may become out of date. Retirement Scenario Lab is independent and is not affiliated with, sponsored by, or endorsed by any index provider, data source, government agency, or financial institution, and no such party is responsible for the Service or its output. Any reference to a broad market index describes a general category, not any specific commercial index product.
We may from time to time offer optional features that work differently from the Service's current local-only design — for example an optional account, optional backup or synchronization across your own devices, optional sharing of a scenario with someone you choose, usage measurement, in-app support tools, an optional assistant or explanation feature, or editions built for teams, advisors, or educators. We may also offer the Service in additional countries and currencies.
Any such feature that would send the figures you enter off your device will be something you affirmatively choose to turn on, and we intend that declining it will still leave you a working version of the core tool. Optional features may be offered as beta or preview functionality, which is provided as-is, may change or be withdrawn, and may not be covered by any Pro entitlement. Our handling of information in connection with any such feature is governed by the Privacy Policy, including the commitments in its Section 7.
You agree not to:
We may suspend or terminate access for any violation of these Terms.
Your inputs stay yours. You retain ownership of the assumptions, figures, and other information you enter ("User Inputs"). You are solely responsible for their accuracy and legality, and you represent that you have the right to submit them. We claim no ownership of your User Inputs.
Limited license to operate the Service. You grant us a limited, worldwide, royalty-free license to host, store, transmit, display, and process your User Inputs only as necessary to provide the features you use, as described in the Privacy Policy. As the Service works today, User Inputs are processed on your own device and are not transmitted to us; this license becomes relevant only if you choose to turn on an optional feature under Section 3D that involves sending them.
Aggregated and de-identified data. We may create and use aggregated or de-identified information derived from use of the Service — information that cannot reasonably be used to identify you or any individual — to operate, secure, analyze, and improve the Service and to produce educational and marketing material. This right survives termination.
Feedback. If you send us suggestions, ideas, bug reports, or other feedback, you grant us a perpetual, irrevocable, royalty-free right to use it without restriction or obligation to you. You are not required to send us feedback.
You acknowledge and agree that the Service is for educational and informational purposes only. All output is hypothetical and based entirely on assumptions you supply; it is not a prediction, guarantee, or recommendation, and it does not constitute investment, tax, or legal advice. The Company is not your fiduciary and does not evaluate the suitability of any investment for you. Past performance and any assumptions used do not predict future results. You are solely responsible for your own decisions and should consult a licensed fiduciary professional before acting. The full Disclaimer is incorporated into these Terms by reference.
You understand that financial markets are uncertain and that any modeling involves significant limitations. You voluntarily assume all risk associated with your use of the Service and any decisions you make in connection with it. You agree that you will not rely on the Service as the sole basis for any financial, investment, tax, or legal decision.
THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY OF ACCURACY, COMPLETENESS, RELIABILITY, SECURITY, OR AVAILABILITY. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any calculation or projection is accurate, reasonable, or achievable. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, INVESTMENT LOSSES, LOSS OF DATA, LOSS OF GOODWILL, LOSS OF SAVINGS, OR ANY UNAUTHORIZED ACCESS TO OR DISCLOSURE OF DATA, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE OR ITS OUTPUT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE TOTAL AMOUNTS YOU PAID TO THE COMPANY FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. BECAUSE UNPAID USE OF THE SERVICE IS PROVIDED AT NO CHARGE, YOU PAY NOTHING FOR IT, AND THE COMPANY'S MAXIMUM AGGREGATE LIABILITY TO YOU FOR ANY UNPAID USE IS USD $0.00 (ZERO DOLLARS).
Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; nothing here limits liability that cannot be limited by law, including liability for fraud, or for death or personal injury caused by negligence.
You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from and against any third-party claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service in violation of these Terms or applicable law; (b) your User Inputs; (c) your other violation of these Terms or applicable law; or (d) any decision you or a third party makes based on the Service or its output. This does not apply to the extent a claim arises from our own fraud or willful misconduct, and nothing in this Section requires you to indemnify us where applicable consumer law prohibits it.
Changes to the Service. We may modify, improve, suspend, or discontinue all or part of the Service, including free features, at any time.
Changes to these Terms. We may revise these Terms from time to time. The updated Terms will be posted with a new "Last updated" date and apply going forward from their effective date. For a change that is material and adverse to you, we will give notice in the Service and, where we have your email address, by email — where practical at least 14 days before it takes effect. Your continued use of the Service after a change takes effect constitutes acceptance of the revised Terms.
If you don't agree. You may stop using the Service at any time. In addition, if a material and adverse change to these Terms or to the Pro feature set takes effect during a paid Pro license term and you tell us within 30 days that you do not accept it, we will arrange a refund of the unused portion of your license on a pro-rata basis, through Polar as merchant of record. Your saved scenarios live in your own browser and are unaffected either way; we recommend keeping an exported backup.
Changes to how we handle information are governed separately by the Privacy Policy, including the commitments in its Section 7.
You may stop using the Service at any time. We may suspend or terminate your access if you breach these Terms, if we reasonably believe your use is unlawful or harmful to the Service or to others, or if we are required to by law. Where it is practical and lawful to do so, we will give you notice first.
We may also discontinue the Service, or any part of it, for everyone. If we terminate a paid Pro license for a reason other than your breach, or discontinue the Service during your license term, we will arrange a refund of the unused portion on a pro-rata basis. Because Polar is the merchant of record, we will instruct Polar to issue it; email us and we will start that process. Your scenarios are stored in your own browser and are unaffected by termination; we recommend keeping a backup file.
Upon termination, the licenses granted to you end, while Sections 5 (as to aggregated data and feedback), 6–10, 13, 13A, 14, and 15 survive.
These Terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws principles, together with applicable U.S. federal law. Subject to the arbitration provision in Section 13A, you agree that any permitted legal action will be brought exclusively in the state or federal courts located in North Carolina, in the county where Jacobus Company, LLC maintains its principal place of business, and you consent to the personal jurisdiction and venue of those courts and waive any objection based on inconvenient forum. If a proceeding covered by this Section is filed in any other court, you agree to its prompt transfer to or dismissal in favor of the North Carolina forum, so that neither of us ends up litigating far from where this agreement was made.
Jury-trial waiver. To the fullest extent permitted by law, you and the Company each waive any right to a trial by jury in any proceeding arising out of or relating to these Terms or the Service.
Time limit on claims. Any claim arising out of or relating to these Terms or the Service must be commenced within one (1) year after the claim arises; otherwise it is permanently barred, to the fullest extent permitted by law.
If you are outside the United States. The Service is operated from the United States and is offered for use by, and sold to, users in the United States. If you choose to access it from elsewhere, you do so on your own initiative, you are responsible for complying with your local law, and you agree that North Carolina law and the forum, arbitration, and dispute provisions above apply to you. We recognize that some countries give consumers rights that a contract cannot lawfully remove; to the extent such a right applies to you and cannot be waived, it prevails, and the rest of these Terms continues to apply.
Please read this Section carefully — it affects your legal rights.
In plain English: you and the Company agree to resolve most disputes through individual arbitration instead of in court, and to give up the right to a jury trial and to participate in a class action. Arbitration here is handled remotely — by documents, phone, or video — so neither of us has to travel. You can bring a qualifying claim in small-claims court instead, and you have 30 days to opt out of arbitration (see subsection (e) below). By accepting these Terms — including by checking the acceptance box in the application, or by continuing to use the Service — you agree to this arbitration provision.
(a) Informal resolution first. Before starting an arbitration, please email us at scenario-labs@julieclarkson.com with a short description of the dispute and what you would like. We will do the same before starting one against you. Both of us agree to try in good faith to resolve it informally for 30 days. This step is meant to save everyone time and cost, and it does not shorten any deadline.
(b) Agreement to arbitrate. Except as set out below, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") will be resolved by final and binding individual arbitration, rather than in court, administered by the American Arbitration Association under its then-current consumer arbitration rules. The Company will pay all AAA filing, administration, and arbitrator fees beyond the initial consumer filing fee set by AAA's consumer rules, and will pay that initial fee too if you ask us and your claim is not frivolous. The arbitration will be conducted remotely — by documents only, or by telephone or video conference. Neither you nor the Company will be required to travel. There will be no in-person hearing unless you and the Company both agree to one in writing, and if you both agree, it will be held at a location you both agree on. Keeping the process remote keeps it affordable and practical for both of us. Judgment on the award may be entered in any court of competent jurisdiction.
(c) Class-action waiver. You and the Company agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any class or representative proceeding.
(d) Exceptions. Either party may (i) bring an individual claim in small-claims court if it qualifies — and where that court's rules allow it, either party may appear remotely or by written submission — and (ii) seek injunctive or equitable relief in court to protect intellectual-property or unauthorized-access matters.
(e) Opt-out. You may opt out of this arbitration agreement by sending written notice to scenario-labs@julieclarkson.com within 30 days of first accepting these Terms. Opting out costs you nothing and will not affect your use of the Service or your Pro license in any way. If you opt out, Section 13 (Governing Law) governs disputes in court.
(f) Severability. If the class-action waiver in (c) is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court; the rest of this Section remains in effect.
These Terms, together with the Disclaimer and Privacy Policy, constitute the entire agreement between you and the Company regarding the Service. If any provision is held unenforceable, the remaining provisions will remain in effect. Our failure to enforce any right is not a waiver. You may not assign these Terms without our consent; we may assign them, in whole or in part, to an affiliate or in connection with a merger, acquisition, financing, reorganization, or sale of assets, and the assignee will be bound by these Terms. These Terms create no third-party beneficiaries. The Company is not responsible for any failure or delay caused by events beyond its reasonable control (including outages, acts of God, and third-party service failures). Section headings are for convenience only and do not affect interpretation.
Notices. We may give you notice by posting in the Service, on this site, or by email to any address you have given us. You may send notices to the email address in Section 15.
Export controls and sanctions. You represent that you are not located in, and are not a national or resident of, a country or region subject to comprehensive US sanctions or embargo, and that you are not on any US government restricted-party list. You agree not to use or export the Service in violation of US export-control or sanctions laws.
US government users. The Service is a "commercial item" as defined in FAR 2.101 and is provided with only the rights granted in these Terms.
Language. These Terms are drafted in English, and the English version controls.
Questions about these Terms may be sent to:
Jacobus Company, LLC North Carolina, United States scenario-labs@julieclarkson.com