1. Acceptance of Terms

By accessing or using FIREPath at gofirepath.com (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service.

FIREPath is published by Actigence (actigence.ai). These Terms constitute a legally binding agreement between you and the publisher of FIREPath (“FIREPath,” “we,” “us,” or “our”). If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

FIREPath provides a web-based calculator for estimating Financial Independence, Retire Early (FIRE) milestones, including interactive tools for comparing Lean FIRE, Regular FIRE, Fat FIRE, Coast FIRE, and Barista FIRE scenarios.

3. Informational Estimates Only — Not Financial Advice

THE SERVICE PROVIDES EDUCATIONAL AND INFORMATIONAL ESTIMATES ONLY. NOTHING ON FIREPATH CONSTITUTES FINANCIAL ADVICE, INVESTMENT ADVICE, TAX ADVICE, LEGAL ADVICE, OR ANY OTHER FORM OF PROFESSIONAL ADVICE.

All projections, calculations, and results generated by FIREPath are mathematical estimates based on simplified models and the assumptions you input (such as rate of return, savings rate, and inflation). These results:

Are not personalized to your complete financial situation;
Do not account for taxes, fees, market volatility, or life events;
Are not predictions or guarantees of any future outcome; and
Should not be used as the sole basis for any financial decision.

Always consult a qualified, licensed financial advisor, tax professional, or attorney before making investment, retirement, or other significant financial decisions.

4. Acceptable Use

You agree not to:

Use the Service for any unlawful purpose or in violation of these Terms;
Attempt to gain unauthorized access to our systems, databases, or other users' accounts;
Scrape, crawl, or systematically extract data from the Service without our written permission, other than the open data files and embed described in Section 5;
Use the Service to transmit malware, spam, or harmful code;
Reverse engineer, decompile, or disassemble any part of the Service;
Represent that any output of the Service constitutes professional financial or investment advice.

5. Intellectual Property

The Service and its original content, features, functionality, design, and code are owned by FIREPath and are protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, or publicly display any part of the Service without our prior written consent, except as described in the next paragraph.

The exceptions are the open statistics dataset and the embeddable calculator. The dataset published at /data.json and /data.csv is licensed under CC BY 4.0: you may copy, redistribute and adapt it, including by automated download, if you credit FIREPath. The calculator may be embedded on your own website with the snippet and attribution link provided on the Embed the Calculator page.

You retain ownership of any data you input into the calculator.

6. Third-Party Links and Affiliate Links

The Service may contain links to third-party websites, tools, or services, including affiliate links through which we may earn a commission. We do not endorse and are not responsible for the content, accuracy, privacy practices, or availability of third-party sites. Visiting any third-party site is at your own risk and subject to that site's terms and privacy policy.

Affiliate relationships do not influence the objectivity of our educational content or calculator methodology. See our Privacy Policy for more details on affiliate disclosures.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF FINANCIAL PROJECTIONS. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FIREPATH AND ITS PUBLISHER, OWNERS, AFFILIATES, AND CONTRIBUTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF SAVINGS, OR FINANCIAL LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF OR RELIANCE ON THE SERVICE OR ITS OUTPUTS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM OR (B) $10 USD.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, the above limitations apply to the greatest extent permitted by law.

9. Indemnification

You agree to indemnify and hold harmless FIREPath and its publisher, owners, affiliates, and contributors from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any third-party rights.

10. Modifications to the Service and Terms

We reserve the right to modify, suspend, or discontinue the Service (or any feature thereof) at any time with or without notice. We will not be liable for any such modification, suspension, or discontinuation.

We may update these Terms from time to time. We will post the revised Terms on this page with an updated effective date. Your continued use of the Service after the effective date of any revision constitutes your acceptance of the updated Terms.

11. Severability and Entire Agreement

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and FIREPath regarding the Service.

12. Contact Us

If you have any questions about these Terms of Service, please contact us:

FIREPath, published by Actigence
Email: contact@actigence.ai
Website: gofirepath.com