Terms of Use

RetireSmartIRA — Alamo Ventures Group LLC
Version 1.0 — Effective Date: March 24, 2026

1. Acceptance of Terms

By downloading, installing, or using RetireSmartIRA (“the App”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, do not use the App.

These Terms constitute a legally binding agreement between you and Alamo Ventures Group LLC (“we,” “us,” or “our”). Your continued use of the App signifies your acceptance of these Terms and any future amendments.

2. Not Financial, Tax, or Legal Advice

RetireSmartIRA is an educational planning tool that provides estimates, projections, and modeled scenarios based on user inputs and current tax law. Nothing in this App constitutes financial advice, tax advice, investment advice, or legal advice of any kind.

All projections are hypothetical. The App does not recommend specific Roth conversion amounts, tax strategies, or financial actions. Terms like “optimal,” “projected,” or “modeled” describe mathematical estimates — they are not recommendations.

You should consult a qualified tax professional, certified financial planner, or licensed advisor before making any financial decisions. Tax laws change frequently, and individual circumstances vary. We are not responsible for any decisions you make based on the App's output.

3. Eligibility

You must be at least 18 years of age to use this App. By using the App, you represent and warrant that you meet this age requirement.

4. Cost and Access

RetireSmartIRA is currently provided free of charge. We reserve the right to introduce paid features or subscriptions in the future. If we do, we will update these Terms and notify you before any charges apply. You will not be charged without your explicit consent through the Apple App Store.

5. Intellectual Property

The App and all of its contents — including but not limited to source code, design, user interface, text, graphics, and calculation methodologies — are the intellectual property of Alamo Ventures Group LLC and are protected by copyright, trademark, and other applicable laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes in accordance with these Terms.

6. Disclaimer of Warranties

The App is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the App will be uninterrupted, error-free, or free of harmful components. We do not guarantee the accuracy of tax tables, IRMAA thresholds, RMD calculations, or any other data used by the App. Tax law changes may not be reflected immediately. You are responsible for verifying all calculations independently.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Alamo Ventures Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App, including but not limited to damages from reliance on projections, tax penalties, missed opportunities, or financial losses.

Our total aggregate liability for all claims arising from or related to the App shall not exceed the greater of (a) the amount you paid to us for the App in the 12 months preceding the claim, or (b) ten dollars ($10.00).

8. Dispute Resolution and Arbitration

8.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to contact us at retiresmartira@gmail.com and attempt to resolve the dispute informally for at least 30 days.

8.2 Binding Arbitration

If informal resolution fails, any dispute arising from or relating to these Terms or the App shall be resolved by binding arbitration administered by JAMS in Contra Costa County, California. The arbitration shall be conducted by a single arbitrator in accordance with the JAMS Streamlined Arbitration Rules and Procedures.

8.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

8.4 Exception

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

9. Privacy and CCPA

We respect your privacy. The App performs all calculations locally on your device. We do not sell your personal information.

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to request deletion, and the right to opt out of the sale of personal information. We do not sell personal information.

For privacy inquiries or to exercise your CCPA rights, contact us at retiresmartira@gmail.com. See our Privacy Policy for full details.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law provisions.

11. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the version number and the App will prompt you to review and accept the updated Terms before continuing. Your acceptance of updated Terms is required to continue using the App.

12. Contact

Alamo Ventures Group LLC
Alamo, California
retiresmartira@gmail.com