Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using the Service in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, you must not access or use the Service.

If you are using the Service on behalf of a business, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, and “you” refers to both you individually and that entity.

2. Eligibility

You must be at least 18 years of age and capable of forming a binding contract to use the Service. The Service is offered for use within the United States and is intended for U.S. residents. You are responsible for compliance with all laws applicable to you. By using the Service, you represent and warrant that you meet these requirements and that the information you provide to us is accurate and complete.

3. The Service

NestEdge is a self-directed retirement and financial-planning tool. It lets you enter information about your finances and generates illustrative projections, scenarios, simulations (including Monte Carlo analysis), optimization suggestions, and reports based solely on the inputs you provide and the assumptions built into our projection engine.

The Service is provided for informational and educational purposes only. We may add, modify, suspend, or discontinue any feature of the Service at any time without liability to you.

4. Not Financial, Investment, Tax, or Legal Advice

NestEdge is not a registered investment adviser, broker-dealer, licensed financial planner, tax adviser, accountant, or law firm, and the Service does not provide financial, investment, tax, accounting, insurance, or legal advice. Nothing made available through the Service constitutes a recommendation, solicitation, or offer to buy, sell, or hold any security or to adopt any investment strategy, nor an offer of any financial product or service.

All projections, estimates, recommendations, optimizations, and scenarios are hypothetical and illustrative only. They depend entirely on the information you supply and on assumptions that may not reflect your actual circumstances or future conditions. Actual results will differ—sometimes significantly—due to changes in tax laws, market conditions, interest rates, inflation, your personal situation, and other factors that cannot be predicted.

You should not act, or refrain from acting, on the basis of any content from the Service without first obtaining advice from a qualified, licensed professional—such as a financial adviser, CPA, or attorney—who understands your complete situation. You are solely responsible for your financial decisions and their outcomes.

5. No Fiduciary or Advisory Relationship

Your use of the Service does not create any fiduciary, advisory, agency, or professional-client relationship between you and NestEdge, Silver Ridge Group LLC, or any of their managers, members, officers, employees, or contractors. We owe you no fiduciary duties. Any communication from us, whether automated or otherwise, is general in nature and is not tailored advice for your individual situation.

6. Accounts & Security

Account creation and authentication are handled through our identity provider, Clerk. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly of any unauthorized use. We are not liable for any loss arising from your failure to safeguard your credentials. We may suspend or terminate accounts that we reasonably believe have been compromised or used in violation of these Terms.

7. Acceptable Use

You agree that you will not, and will not permit anyone else to:

• use the Service for any unlawful, fraudulent, or deceptive purpose;
• access or attempt to access another user’s account or data without authorization;
• reverse engineer, decompile, scrape, or attempt to extract the source code or underlying models of the Service, except as permitted by law;
• interfere with, disrupt, overload, or circumvent the security or integrity of the Service or its infrastructure;
• introduce malware, or use bots, automated scripts, or similar means to access the Service in a manner that sends more requests than a human could reasonably produce;
• resell, sublicense, or commercially exploit the Service except as expressly permitted by us in writing; or
• use the Service to provide regulated investment, tax, or legal advice to third parties unless you are properly licensed and solely responsible for doing so.

We reserve the right, but have no obligation, to investigate and to suspend or terminate access for any violation of this Section.

8. Subscriptions, Billing & Automatic Renewal

Certain features require a paid subscription. Pricing and plan features are described on our pricing page. Payments are processed by our third-party payment processor, Stripe; we do not store your full payment-card details. By providing a payment method, you authorize us and Stripe to charge the applicable fees, taxes, and any other charges you may incur.

Automatic renewal (California Automatic Renewal Law disclosure)

Paid subscriptions automatically renew. Unless you cancel, your subscription will continue and renew at the end of each billing period (monthly or annual, as selected), and the payment method on file will be charged the then-current subscription price plus applicable taxes on a recurring basis until you cancel. The renewal term length and recurring amount are presented to you at the point of purchase and in your account.

How to cancel

You may cancel at any time through the subscription-management portal in your account (powered by Stripe) or by emailing hello@nestedge.finance. Cancellation stops future renewals. To avoid being charged for the next period, you must cancel before the current billing period ends. We may, in our discretion, cancel a subscription immediately and apply a prorated credit or refund where required.

Lifetime plans, where offered, are one-time purchases that do not automatically renew. Fees may change; we will give you advance notice of any price change affecting your renewal, and continued use after the change takes effect constitutes acceptance of the new price.

“Lifetime” refers to the operational lifetime of the Service, not your lifetime, and is not a guarantee that the Service will be offered, supported, or operated for any minimum or indefinite period. We may discontinue the Service in its entirety at any time, for any reason, with or without notice. A Lifetime plan entitles you to access the Service only for as long as we continue to operate it. If we discontinue the Service, your Lifetime plan terminates along with it, and you are not entitled to any refund, prorated or otherwise, for the unused portion of your purchase. This non-refundability applies regardless of how long you held the plan before discontinuation, including if the Service is discontinued shortly after your purchase.

9. Free Trials

We may offer a time-limited free trial of paid features. Unless stated otherwise, a trial does not automatically convert into a paid subscription, and we will not charge you unless and until you affirmatively choose a paid plan and provide a payment method. We reserve the right to modify or withdraw trial offers and to determine your eligibility.

10. Cancellation & Refunds

Except where required by applicable law or expressly stated otherwise, fees are non-refundable and we do not provide refunds or credits for partial billing periods, unused features, or downgrades. If you believe you were charged in error, contact us at hello@nestedge.finance and we will review your request in good faith. Nothing in these Terms limits any non-waivable refund or cancellation rights you may have under California law.

Lifetime plan purchases are final and non-refundable under all circumstances, including if we discontinue the Service (see Section 8). No money-back guarantee offered for any other plan applies to Lifetime purchases.

11. Third-Party Services

The Service relies on third-party providers, including Clerk (authentication), Stripe (payments), Resend (email delivery), and cloud-infrastructure and monitoring vendors. Your use of those services may be subject to their own terms and privacy policies. We are not responsible for, and disclaim all liability arising from, the acts, omissions, products, or services of any third party. Links to third-party websites are provided for convenience and do not imply endorsement.

12. Intellectual Property

The Service, including its software, projection and optimization engines, design, text, graphics, logos, and the “NestEdge” name and marks, is owned by Silver Ridge Group LLC or its licensors and is protected by intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your own personal or internal business planning. We reserve all rights not expressly granted. You may not use our marks without our prior written permission.

13. Your Content & Data

You retain ownership of the financial and personal information you submit to the Service (“Your Content”). You grant us a worldwide, royalty-free license to host, use, process, reproduce, and display Your Content solely as needed to operate, maintain, secure, and improve the Service and to provide it to you, and as described in our Privacy Policy. You represent that you have the right to provide Your Content and that doing so does not violate any law or third-party right. We may create and use de-identified or aggregated data that does not identify you for any lawful purpose, including improving our models.

14. Projections, Simulations & Assumptions

Outputs of the Service depend on the accuracy and completeness of your inputs and on modeling assumptions, including assumed rates of return, inflation, tax treatment, Social Security and Medicare rules, required minimum distributions, and historical volatility used in simulations. Past performance is not indicative of future results, and all investing involves risk, including the possible loss of principal. Tax, Social-Security, and benefit projections are based on laws in effect as of the date the projection is generated and may be affected by future legislative or regulatory changes. We do not guarantee any particular outcome.

15. Disclaimer of Warranties

THE SERVICE AND ALL CONTENT, PROJECTIONS, AND MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, NESTEDGE AND SILVER RIDGE GROUP LLC DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR THAT ANY PROJECTION OR RESULT WILL BE ACCURATE OR RELIABLE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM US CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL NESTEDGE, SILVER RIDGE GROUP LLC, OR THEIR MANAGERS, MEMBERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, OR LICENSORS (COLLECTIVELY, THE “NESTEDGE PARTIES”) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, SAVINGS, INVESTMENT LOSSES, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE OR ANY FINANCIAL DECISION MADE OR NOT MADE IN RELIANCE ON THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE NESTEDGE PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE NESTEDGE PARTIES’ TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

These limitations are a fundamental basis of the bargain between you and us and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in such cases, our liability is limited to the maximum extent permitted by law.

17. Indemnification

You agree to indemnify, defend, and hold harmless the NestEdge Parties from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use or misuse of the Service; (b) Your Content; (c) your violation of these Terms or any law or third-party right; or (d) any financial, tax, or other decision you make in connection with the Service. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with us.

18. Release of Managers, Members & Personnel

You acknowledge and agree that Silver Ridge Group LLC is a limited liability company and that, to the fullest extent permitted by law, its managers, members, officers, directors, employees, contractors, and agents will have no personal liability to you under or in connection with these Terms or the Service. Any claim you may have is solely against Silver Ridge Group LLC and is subject to the limitations in these Terms. You hereby release the individual NestEdge Parties from all such claims to the maximum extent permitted by law. Nothing in this Section limits any liability that cannot be limited or excluded under applicable law.

19. Dispute Resolution; Binding Arbitration; Class-Action Waiver

Please read this Section carefully—it affects your legal rights.

Informal resolution first

Before filing a claim, you agree to try to resolve the dispute informally by contacting us at hello@nestedge.finance and giving us 30 days to resolve it. Most concerns can be resolved this way.

Binding arbitration

If we cannot resolve a dispute informally, you and NestEdge agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by JAMS or another mutually agreed administrator under its applicable rules, rather than in court, except as provided below. The arbitration will be conducted in or near San Francisco, California, or by remote means, and judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

Class-action waiver

YOU AND NESTEDGE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS OR PRESIDE OVER ANY FORM OF CLASS PROCEEDING.

Exceptions and opt-out

Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court to protect its intellectual-property rights. You may opt out of this arbitration agreement by emailing hello@nestedge.finance within 30 days of first accepting these Terms, stating your name and intent to opt out; opting out will not affect any other part of these Terms. If the class-action waiver is found unenforceable as to a particular claim, that claim will proceed in court, but the rest of this Section will remain in effect.

20. Governing Law & Venue

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Subject to the arbitration provision above, you and NestEdge consent to the exclusive jurisdiction and venue of the state and federal courts located in San Francisco County, California for any matter not subject to arbitration.

21. Termination

You may stop using the Service and close your account at any time. We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have violated these Terms, to comply with law, or to protect the Service or other users. Upon termination, your license to use the Service ends. Sections that by their nature should survive termination—including Sections 4–5, 8, 10, 12–20, and 22—survive.

We may discontinue the Service in its entirety, at our sole discretion, for any reason or no reason, with or without notice. Discontinuation of the Service terminates these Terms and all plans, including Lifetime plans, without entitling you to a refund (see Section 8).

22. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will update the “Last updated” date above and, where appropriate, provide additional notice (such as by email or an in-product notice). Changes are effective when posted unless stated otherwise. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Service.

23. General Provisions

Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service and supersede all prior agreements on that subject.

Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions will remain in full force.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign these Terms without our prior written consent. We may assign them, including in connection with a merger, acquisition, or sale of assets.

Force majeure. We are not liable for any delay or failure to perform due to causes beyond our reasonable control.

Relationship. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and us.

24. Contact

Questions about these Terms? Contact us at hello@nestedge.finance.

Silver Ridge Group LLC, d/b/a NestEdge
nestedge.finance