Terms Of Use

Agreement between user and www.planancial.com

Welcome to www.planancial.com. The www.planancial.com website (the "Site") is comprised of various web pages and services operated by Planancial Inc. ("Planancial"). www.planancial.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.planancial.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference. www.planancial.com is an education and information site.

Our mission is to provide our users with resources so they can educate themselves on personal finance. We by no means endorse any specific products or services, and our information is meant to be general guidance only.

Privacy

Your use of www.planancial.com is subject to Planancial's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting www.planancial.com or sending emails to Planancial constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Your Account

If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Planancial is not responsible for third party access to your account that results from theft or misappropriation of your account. Planancial and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.

Children's Online Privacy Protection Act Compliance

Planancial is in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), our website and services are all directed to people who are at least 13 years old or older. Planancial will never knowingly collect personal information online from anyone under the age of 13 without prior verifiable parental consent.

Planancial is NOT a Financial Advisor or Tax Advisor

By using this site, you acknowledge that Planancial is not a financial advisor, tax advisor or legal advisor. The information presented through this website is for educational purposes only and should not be construed as tailored recommendations for your financial situation. Please consult a tax professional or financial advisor prior to utilizing any tax or financial strategies.

Links to Third Party Sites/Third Party Services

www.planancial.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Planancial and Planancial is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Planancial is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Planancial of the site or any association with its operators. Nonetheless, in our commitment to protecting the privacy interests of our uses and maintain the integrity of www.planancial.com, we welcome any feedback about these sites at info@planancial.com.

Certain services made available via www.planancial.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.planancial.com domain, you hereby acknowledge and consent that Planancial may share such information and data with any third party with whom Planancial has a contractual relationship to provide the requested product, service or functionality on behalf of www.planancial.com users and customers.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use www.planancial.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Planancial that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Planancial or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Planancial content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Planancial and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Planancial or our licensors except as expressly authorized by these Terms.

Third Party Accounts

You will be able to connect your Planancial account to third party accounts. By connecting your Planancial account to your third party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third party sites). If you do not want information about you to be shared in this manner, do not use this feature.

International Users

The Service is controlled, operated and administered by Planancial from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Planancial Content accessed through www.planancial.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless Planancial, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys' fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Planancial reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Planancial in asserting any available defenses.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. PLANANCIAL INC. AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME. PLANANCIAL INC. AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. PLANANCIAL INC. AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PLANANCIAL INC. AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF PLANANCIAL INC. OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

Planancial reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of New York and you hereby consent to the exclusive jurisdiction and venue of courts in New York in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Planancial as a result of this agreement or use of the Site. Planancial's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Planancial's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Planancial with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Planancial with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Planancial with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

Planancial reserves the right, in its sole discretion, to change the Terms under which www.planancial.com is offered. The most current version of the Terms will supersede all previous versions. Planancial encourages you to periodically review the Terms to stay informed of our updates.

Financial Assumptions

Planancial uses time value of money calculations to determine the output variables in the plans. Monthly compounding interest is used to determine the values for credit card debt, general debt, student loan, and retirement values. You will need to check with your specific lender to see how they calculate your debt with them. Other assumptions include growth rates of 8% and lending rates of 4%.

Contact Us

Planancial welcomes your questions or comments regarding the Terms: Email Address: Info@planancial.com Effective as of December 15, 2015