Terms of Service

Agreement to Terms

By accessing or using vetfire.co ("the Site"), you agree to be bound by these Terms of Service and enter into a legally binding agreement with VetFIRE LLC ("VetFIRE," "we," "us," or "our"). If you do not agree to these terms, please do not use the Site.

Age Requirement. You must be at least 18 years old (or the age of majority in your jurisdiction) to use this Site or license any paid products. By using the Site, you represent and warrant that you meet this age requirement.

Geographic Restriction. Paid products and licenses offered through VetFIRE are available exclusively to users located in the United States and its territories. By purchasing a license, you represent and warrant that you are located in the United States at the time of purchase. The Site's free educational content may be accessed from anywhere, but all paid products, calculators built around U.S. Department of Veterans Affairs compensation rates, U.S. tax law, and U.S.-specific financial planning assumptions, are designed solely for U.S.-based veterans and their families. VetFIRE LLC reserves the right to cancel any license and issue a refund if we determine the purchaser is located outside the United States.

These Terms should be read together with our Privacy Policy. Your use of the Site is also subject to our data collection practices described in the Privacy Policy.

Educational Purpose Only

VetFIRE LLC provides educational content and tools. All calculators, projections, and content are provided for informational and educational purposes only. They are not intended to be, and should not be construed as:

• Financial advice
• Investment advice
• Tax advice
• Legal advice
• Recommendations to buy or sell any security
• Professional financial planning services

No Financial Advisor Relationship

Use of this Site does not create a financial advisor-client relationship. We are not registered investment advisors, financial planners, tax professionals, or attorneys. Before making any financial decisions, consult with qualified professionals who understand your specific situation.

Paid Products & Licenses

VetFIRE LLC offers certain premium calculators and tools (such as "VetFIRE™ Pro") for a one-time license fee. By completing payment, you agree to the following:

Pricing & Payment

All prices are displayed in U.S. dollars and are inclusive of the stated license fee at the time of payment. VetFIRE LLC reserves the right to change pricing at any time; however, any price change will not affect license fees already paid. Payment is processed at the time of purchase through Stripe, our third-party payment processor. By completing a purchase, you also agree to Stripe's Consumer Terms. Stripe's handling of your payment information is governed by the Stripe Privacy Policy.

Refund Policy

VetFIRE LLC offers a 30-day money-back guarantee on all paid products. If you are not satisfied for any reason, contact us at support@vetfire.co within 30 days of your purchase date, and we will issue a full refund. After 30 days, all license fees are non-refundable.

Refund Mechanics. Approved refunds are processed to your original payment method via Stripe. Please allow 5–10 business days for the refund to appear on your statement. Upon issuance of a refund, your license is immediately revoked and you must cease all use of the refunded product.

License Grant

Upon completing a purchase, VetFIRE LLC grants you a personal, non-exclusive, non-transferable, revocable license to access and use the purchased product for your own personal, non-commercial use. This license does not transfer any ownership rights in the product or its underlying content, code, or methodology.

Device Access & Sharing

Your purchase grants access on your original device plus up to 3 additional devices or browsers via the restore-access feature (4 total). This limit exists to prevent unauthorized sharing. Sharing your purchase email or access credentials with others violates these Terms and may result in revocation of access without refund. If you legitimately need access on additional personal devices, contact support@vetfire.co and we will accommodate reasonable requests at no extra charge.

Access & Delivery

Paid products are delivered as web-based tools accessible through vetfire.co. Access is provided immediately upon successful payment. Continued access requires a working internet connection and a modern web browser.

Paid Products Are Still Educational Tools

Paid products, including VetFIRE™ Pro, are subject to all disclaimers, limitations, and terms described throughout these Terms of Service. Purchasing a product does not create a financial advisory relationship and does not convert educational tools into professional advice. All calculator projections remain estimates for educational purposes only.

Service Continuity & Modification

Your license fee grants access to the product as it exists at the time of purchase. VetFIRE LLC is under no obligation to maintain, update, host, or operate any product, feature, or service indefinitely. We may, at our sole discretion and at any time, with or without notice:

• Modify, update, or remove features from any product, including paid products
• Change the technology, hosting, or delivery method of any product
• Discontinue or sunset any product, feature, or the Site itself, temporarily or permanently
• Migrate products to a different platform, domain, or delivery model (including a subscription model for future access)

No Guarantee of Perpetual Access. A one-time license fee does not entitle you to lifetime, perpetual, or indefinite access. Your license remains valid only for so long as VetFIRE LLC, in its sole discretion, continues to make the product available. Discontinuation of a product does not entitle you to a refund, credit, or replacement, except as required by applicable law.

Reasonable Notice. If we permanently discontinue a paid product, we will make commercially reasonable efforts to provide at least 30 days' notice to the email address associated with your purchase, so you may export, save, or otherwise preserve any results or data before access ends.

No Liability for Changes. VetFIRE LLC shall not be liable for any loss, inconvenience, or damages arising from the modification, suspension, or discontinuation of any product or feature, whether or not you have paid a license fee.

Force Majeure

VetFIRE LLC shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to: acts of God, natural disasters, pandemics, war, terrorism, labor disputes, government actions, internet or infrastructure outages, third-party hosting failures, cyberattacks, or power failures.

Calculator Accuracy & Assumptions

Our calculators make assumptions and simplifications:

• Projections are estimates only. Actual results will vary based on market performance, tax law changes, and personal circumstances.
• Past performance does not guarantee future results. Historical market returns are used for illustration only.
• Tax calculations are simplified. Actual tax liability depends on many factors not captured in our calculators.
• VA benefits may change. Disability compensation rates and child benefits are subject to legislative changes.
• Inflation assumptions are estimates. Actual inflation may differ significantly from historical averages.
• Monte Carlo simulations are hypothetical. VetFIRE™ Pro runs 1,000 randomized scenarios to illustrate the range of possible outcomes. A high success rate does not guarantee portfolio survival. Actual results may fall outside modeled distributions.

While we strive for accuracy, we make no warranties or guarantees about the completeness, accuracy, or reliability of calculator results.

Limitation of Liability

To the maximum extent permitted by law, VetFIRE LLC and its operators shall not be liable for:

• Any financial losses or damages resulting from use of this Site or reliance on calculator results
• Errors, inaccuracies, or omissions in calculator outputs or content
• Any decision made based on information from this Site
• Interruptions or technical issues affecting Site availability
• Third-party services or links

Use this Site at your own risk. You are solely responsible for your financial decisions.

Monetary Cap: In no event shall VetFIRE LLC's total aggregate liability to you for all claims arising out of or relating to the use of, or inability to use, this Site exceed the greater of (a) the amount you have paid to VetFIRE LLC in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100.00 USD).

Exclusion of Consequential Damages: In no event shall VetFIRE LLC be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, regardless of whether such damages were foreseeable and whether or not VetFIRE LLC was advised of the possibility of such damages.

No Warranty

This Site is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

User Responsibilities

You agree to:

• Use the Site for lawful purposes only
• Not attempt to interfere with or disrupt the Site's functionality
• Not harvest or collect data from the Site using automated means
• Not misrepresent calculator results or content as professional advice
• Verify all information with qualified professionals before making financial decisions

Intellectual Property

The VetFIRE™ name, logo, calculator designs, methodologies, and all content on this Site are protected by copyright and trademark laws. VetFIRE™ is a trademark of VetFIRE LLC. You may not reproduce, distribute, or create derivative works without our express written permission.

Protected Elements Include: Calculator logic and formulas, user interface designs, educational content and methodology explanations, the "VetFIRE Method" and "VA Firewall Method" concepts and presentation, and all proprietary features unique to our calculators.

DMCA & Copyright Infringement

If you believe content on VetFIRE infringes your copyright, send a written notice to our designated DMCA agent at legal@vetfire.co with: (a) identification of the copyrighted work, (b) identification of the infringing material and its location on the Site, (c) your contact information, (d) a statement that you have a good-faith belief the use is not authorized, and (e) a statement under penalty of perjury that the information is accurate and you are the copyright owner or authorized to act on their behalf.

⚠️ Commercial Use Restrictions

This Site and its tools (including paid products) are for personal, non-commercial use only. You may NOT:

• Use VetFIRE™ calculators or content as part of a commercial service
• Embed, iframe, or integrate our calculators into other websites or applications
• White-label, rebrand, or resell our calculators or methodology
• Use our tools to provide services to clients for compensation
• Scrape, copy, or reverse-engineer our calculator logic
• Create competing products based on our proprietary methodology
• Use automated tools to access, collect data from, or interact with our calculators

For Businesses and Financial Professionals: If you are a financial advisor, VA rating company, veteran service organization, or other business that wishes to reference or link to VetFIRE™ calculators for your clients, please contact us for approved usage guidelines. Redistribution, embedding, or rebranding of our tools is not permitted.

Partnership Inquiries: Contact licensing@vetfire.co for partnership and integration opportunities.

Permitted Personal Use

You MAY use VetFIRE™ (including paid products such as VetFIRE™ Pro) for:

• Personal financial education and exploration
• Sharing results with friends and family (using our Share feature)
• Sharing links to our Site on social media
• Referencing our content with proper attribution and links back to vetfire.co

Attribution Required: If you reference VetFIRE™ content in articles, videos, or other media, you must include a link to vetfire.co and acknowledge VetFIRE™ as the source.

Third-Party Links

Our Site may contain links to third-party websites. We do not endorse or control these sites and are not responsible for their content, privacy policies, or practices. Use third-party sites at your own risk.

Indemnification

You agree to indemnify and hold harmless VetFIRE LLC and its operators from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Site or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Site.

Termination & Revocation of Access

VetFIRE LLC reserves the right to suspend or permanently revoke your access to any part of the Site—including paid products—at any time, without prior notice, if we reasonably believe you have violated these Terms. This includes, but is not limited to, violations of the Commercial Use Restrictions, Device Access & Sharing limits, or User Responsibilities sections.

No Refund Upon Revocation for Cause: If access is revoked due to a violation of these Terms, you are not entitled to a refund—regardless of when the purchase was made. The 30-day money-back guarantee applies only to voluntary, good-faith refund requests and does not apply when access is terminated for cause.

Dispute Resolution and Arbitration

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.

Informal Resolution

Before filing any formal dispute, you agree to first contact us at legal@vetfire.co to attempt to resolve the matter informally. We will attempt to resolve disputes in good faith for at least 30 days.

Binding Arbitration

If we cannot resolve a dispute informally, you and VetFIRE LLC agree to resolve any claims, disputes, or controversies arising out of or relating to these Terms or the Site through binding arbitration, except as described below.

This arbitration agreement is made pursuant to the Federal Arbitration Act (9 U.S.C. § 2) and, to the extent applicable, the Utah Uniform Arbitration Act (Utah Code § 78B-11-107). Both provide that written arbitration agreements are valid, irrevocable, and enforceable.

Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will take place in Salt Lake County, Utah, or remotely via videoconference if you prefer. The arbitrator's decision will be final and binding.

The arbitrator shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of this agreement, including whether a claim is subject to arbitration. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. The arbitrator may not award relief on behalf of anyone who is not a party.

Statute of Limitations: Any arbitration or court claim must be filed within one (1) year after the claim arises. Claims filed after this period are permanently barred.

Exceptions: Either party may bring a claim in small claims court if it qualifies. Either party may seek injunctive relief in court for intellectual property infringement.

Class Action Waiver

You and VetFIRE LLC agree that any arbitration or court proceeding shall be conducted on an individual basis only, and not as a class action, consolidated action, or representative action. You waive your right to participate in a class action lawsuit or class-wide arbitration.

Right to Opt-Out

You have the right to opt out of this arbitration agreement. To opt out, you must send written notice to VetFIRE LLC, P.O. Box 2053, Salt Lake City, UT 84110, within 30 days of first using the Site. Your notice must include your name, address, and a clear statement that you wish to opt out of this arbitration agreement. If you opt out, you may pursue your claim in court, but you will still be bound by all other provisions of these Terms.

Costs and Fees

Each party will be responsible for their own costs and attorney fees, unless applicable law or the arbitrator determines otherwise. VetFIRE LLC will pay your AAA filing fees for claims under $10,000.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. If the arbitration agreement or class action waiver is found unenforceable, the dispute will be resolved in court as described in the Governing Law section below.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, the Federal Arbitration Act (9 U.S.C. §§ 1–16), and applicable United States federal law, without regard to conflict of law provisions.

If the arbitration agreement is found unenforceable or if you have opted out of arbitration, any disputes arising from or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Salt Lake County, Utah. You consent to the personal jurisdiction and venue of such courts.

Note: This does not affect your statutory rights as a consumer under applicable consumer protection laws, nor does it limit any mandatory legal protections available to you in your jurisdiction.

Entire Agreement

These Terms, together with our Privacy Policy, Disclaimer, and Cookie Policy, constitute the entire agreement between you and VetFIRE LLC regarding your use of the Site and supersede all prior or contemporaneous agreements, representations, warranties, and understandings, whether written or oral.

Waiver

The failure of VetFIRE LLC to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by VetFIRE LLC.

Assignment

VetFIRE LLC may assign or transfer these Terms, and any rights and licenses granted hereunder, without restriction, including in connection with a merger, acquisition, or sale of assets. You may not assign or transfer these Terms without our prior written consent.

Survival

Sections relating to Intellectual Property, Commercial Use Restrictions, Limitation of Liability, Indemnification, No Warranty, Dispute Resolution and Arbitration, and Governing Law shall survive any termination or expiration of these Terms.

Electronic Communications

By using the Site or providing your email address, you consent to receive electronic communications from VetFIRE LLC, including purchase confirmations, policy updates, and service notifications. These electronic communications satisfy any legal requirement that such communications be in writing.

Feedback

Any feedback, suggestions, ideas, or other information you voluntarily provide to VetFIRE LLC regarding the Site or our products becomes our sole property. We may use, reproduce, and distribute such feedback for any purpose without obligation or compensation to you.

Notices

All formal notices to VetFIRE LLC should be sent to legal@vetfire.co or by mail to our address below. Notices to you may be sent to the email address associated with your purchase or newsletter subscription, or posted conspicuously on the Site.

Section Headings

The headings in these Terms are for convenience only and have no legal or contractual effect.

Export Controls

The Site and its products are subject to United States export control laws and regulations. You agree not to access, download, or use our products in violation of U.S. export laws or from any country or territory subject to U.S. government sanctions.

Contact

Questions about these Terms? Contact us at:

VetFIRE LLC (Entity #14659944-0160)
386 W 500 S
P.O. Box 2053, Salt Lake City, UT 84110
Email: legal@vetfire.co