Terms of Service

Last updated: September 11, 2026

These Terms of Service ("Terms") govern your use of Encore Years (encoreyears.ca), a retirement planning tool operated by Encore Years ("Encore Years", "we", "us", "our"). By creating an account or using the service, you agree to these Terms. If you don't agree, don't use the service.

1. Description of Service

Encore Years is a retirement household simulator. You enter information about your finances (ages, account balances, government benefits, spending targets) and the tool projects your household's finances forward, applying Canadian federal and provincial tax rules, and reports an estimated after-tax outcome. The simulation engine runs entirely in your browser — your financial figures are not required to be sent to our servers unless you choose to save a plan, ask a question about it, or generate a scenario (see our Privacy Policy).

Encore Years produces automated estimates based on the numbers you provide and a modelled set of Canadian tax rules. It is not financial, tax, or legal advice, and it is not a substitute for advice from a qualified, licensed professional. Tax law, benefit rules, and your personal circumstances change — always verify important decisions with a fee-only financial planner, accountant, or lawyer before acting on them.

2. Eligibility

You must be at least the age of majority in your province or territory of residence to create an account. The service is designed around Canadian tax and benefit rules; if you are not a Canadian resident, the results may not be meaningful for your situation (see the "non-resident" mode's limitations in the tool itself).

3. Accounts

Accounts are created and accessed via a one-time sign-in link sent to your email address — there is no password to manage or lose. You're responsible for keeping access to that email address secure, since it's the only way to sign in. One account per email address; don't share sign-in links.

4. Subscriptions & Billing

A free account can save one plan. A paid subscription raises that limit and adds features (such as asking questions about your plan). Payment is processed by Stripe; we never see or store your card details. Subscriptions renew automatically until cancelled. You can cancel or manage your subscription anytime from your account's billing portal — cancellation takes effect at the end of the current billing period, and we don't offer partial-period refunds except where required by law. We may change subscription pricing going forward; we'll give you reasonable notice before a price change affects your renewal.

5. Acceptable Use

Don't use Encore Years to violate any law, to attempt to access other users' accounts or data, to interfere with or disrupt the service (including its infrastructure or rate limits), or to scrape or bulk-extract data from the service other than your own account's data.

6. Your Content

Any household plan you save belongs to you. We don't claim ownership over it, and we don't use it for anything other than providing the service to you (see our Privacy Policy for how AI features process plan data). You can delete a saved plan, or your whole account, at any time.

7. Disclaimers

The service is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, or fitness for a particular purpose. We make reasonable efforts to model Canadian tax and benefit rules correctly and keep them current, but tax rules change, edge cases exist, and errors are possible. You are solely responsible for verifying any figure before relying on it.

8. Limitation of Liability

To the maximum extent permitted by law, Encore Years and its operator will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, or financial decisions made in reliance on the service, arising from your use of (or inability to use) the service. Our total liability for any claim relating to the service will not exceed the amount you paid us in the twelve months before the claim arose (or $100 CAD, if you haven't paid us anything).

9. Third-Party Services

We rely on third-party providers to operate Encore Years, including Stripe (payments), Resend (transactional email), and Anthropic (the Claude API, for optional AI features). Your use of the service is also subject to those providers' own terms where applicable. See our Privacy Policy for details on what's shared with each.

10. Termination

You may stop using the service and delete your account at any time. We may suspend or terminate an account that violates these Terms, or that we reasonably believe poses a security or legal risk to the service or other users.

11. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we'll update the "Last updated" date above; continued use of the service after a change means you accept the updated Terms.

12. Governing Law

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable in that province, without regard to conflict-of-laws principles.

13. Contact

Questions about these Terms? Email support@encoreyears.ca.