Terms of use

Updated November 7, 2026. These terms apply to the LifetimeCopilot planning service. Contact [email protected] with questions.

Who can use it

This release is for people age 18 or older in the United States. Enter your own information, or information you have permission to use. Keep your password private.

What the estimates mean

LifetimeCopilot is an educational planning tool. Results depend on your inputs and model assumptions. A displayed success percentage is the share of modeled investment paths that fund the plan through its planning age. It is an estimate, not a measured personal probability or a promise. Even 100% in the model does not eliminate real-world risk.

Decisions stay with you

The tool does not provide personalized investment, legal or tax advice, manage money, or execute transactions. Tax and account rules are simplified and may not cover your situation. Review important decisions with a qualified professional. See How the estimates work.

Use the service responsibly

Do not try to access another person’s plan, submit harmful code, overload the service, or use it for unlawful activity. We may restrict abusive use to protect users.

Availability and your records

The service may change or be unavailable during maintenance or an outage. Keep a downloaded copy of information you need. We cannot promise uninterrupted access or that every result is free of errors. Report problems to support.

Privacy and closing an account

Our Privacy notice explains storage, providers and deletion. You can stop using the service and delete your account. These terms do not take away rights that applicable law does not allow to be waived.