Terms of Use
Last Updated: February 1, 2025
Agreement to Terms
These Terms of Use ("Terms") govern your access to and use of the HerPartnerTrack website located at herpartnertrack.com (the "Site"), including our retirement calculator and related services (collectively, the "Services"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Site.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.
Description of Services
HerPartnerTrack provides an online retirement calculator designed for attorneys, along with educational content and the option to connect with financial planning professionals. Our Services are intended to provide general information and educational tools to help you think about retirement planning.
Important Disclaimer: The calculator and content on this Site are provided for educational and informational purposes only. They do not constitute financial, tax, legal, or investment advice. The projections generated by our calculator are hypothetical, based on the assumptions you provide and standard financial formulas. Actual results will vary significantly based on market conditions, tax laws, inflation, and your individual circumstances.
No Professional Advice
The information provided through our Services is not intended to be a substitute for professional financial, tax, or legal advice. You should consult with qualified professionals before making any financial decisions.
HerPartnerTrack is not a registered investment adviser, broker-dealer, financial planner, or tax professional. We do not provide personalized investment advice or recommendations.
If we connect you with a financial planner through our Services, that planner is an independent professional. Any advice or services they provide are subject to their own terms, agreements, and professional standards. We do not endorse, guarantee, or assume responsibility for the advice or services provided by any third-party financial professional.
Calculator Limitations
Our retirement calculator is a simplified educational tool. It has significant limitations, including but not limited to:
- Projections use fixed assumed rates of return and do not account for market volatility or sequence-of-returns risk
- Calculations do not adjust for inflation
- Tax implications of retirement account withdrawals are not modeled
- Healthcare costs, long-term care, and other significant retirement expenses are not included
- Social Security estimates are rough approximations and may not reflect your actual benefits
- The calculator does not account for changes in income, savings rates, or life circumstances over time
- Employer matching contributions and other compensation elements are not included
You should not rely solely on the calculator results to make financial decisions. The results are intended to provide a general starting point for thinking about retirement planning, not a comprehensive or accurate projection of your financial future.
User Responsibilities
By using our Services, you agree to:
- Provide accurate information when using our calculator and services
- Use the Services only for lawful purposes
- Not attempt to interfere with or disrupt the Site or servers
- Not use automated means to access the Site without our permission
- Not impersonate any person or entity
- Not use the Services to transmit harmful, offensive, or illegal content
Eligibility
The Services are intended for users who are at least 18 years of age. By using the Site, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.
Intellectual Property
All content on the Site, including text, graphics, logos, design elements, and software, is the property of HerPartnerTrack or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may access and use the Site for personal, non-commercial purposes only. You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from the Site without our prior written permission.
Privacy
Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Site, you consent to the practices described in our Privacy Policy.
Third-Party Links and Services
The Site may contain links to third-party websites or services. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for any third-party sites or their content, privacy policies, or practices. Your interactions with third-party sites are governed by their own terms and policies.
Disclaimer of Warranties
THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT OR RESULTS OBTAINED THROUGH THE SERVICES.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, HERPARTNERTRACK AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE EXCEED ONE HUNDRED DOLLARS ($100).
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Indemnification
You agree to indemnify, defend, and hold harmless HerPartnerTrack and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of another.
Termination
We reserve the right to suspend or terminate your access to the Site at any time, for any reason, without notice. Upon termination, these Terms will continue to apply to any prior use of the Site.
Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in New York County, New York, and you consent to the personal jurisdiction of such courts.
Severability
If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and HerPartnerTrack regarding your use of the Site and supersede any prior agreements or understandings.
Contact Us
If you have questions about these Terms, please contact us at:
HerPartnerTrack
Email: [email protected]