End User License Agreement (EULA) and Terms of Service

Last Updated: August 30, 2026

This End User License Agreement and Terms of Service ("Agreement") constitutes a binding legal contract between you ("User," "you," or "your") and Everyone Can Plan, LLC ("Company," "we," "us," or "our").

By downloading, installing, accessing, or using the Everyone Can Plan application ("Application") or associated software services, you agree to be bound by the terms of this Agreement. If you do not agree to these terms, do not install, access, or use the Application.

1. Scope of License & Intellectual Property

Limited License: We grant you a revocable, non-exclusive, non-transferable, non-sublicensable, limited license to download, install, and use the Application on authorized Apple-branded and supported devices owned or controlled by you, strictly in accordance with this Agreement and applicable App Store Terms of Service.
Intellectual Property Ownership: All title, ownership rights, algorithms, user interfaces, mathematical formulas, and intellectual property rights in and to the Application (including all source code, updates, and documentation) are and will remain the exclusive property of Everyone Can Plan, LLC. You may not reverse engineer, decompile, disassemble, modify, or create derivative works of the Application.

2. Strict Non-Advisory & Educational Disclaimer

Informational & Educational Use Only: The Application provides self-directed financial modeling, projection engines, and calculation tools for educational and informational purposes only.
No Professional Advice: The Application and Company do not provide regulated investment, financial, tax, legal, accounting, or insurance advice.
No Fiduciary or Professional Status: Everyone Can Plan, LLC is not a Certified Financial Planner (CFP®), Registered Investment Advisor (RIA), broker-dealer, tax preparer, or law firm. No fiduciary relationship is created by your download or use of the Application.
User Responsibility: All scenario projections, cash-flow models, tax estimates, and net worth calculations depend entirely on user-provided assumptions and inputs. Projections do not guarantee future financial results, market performance, tax code stability, or public benefit determinations. You must consult a qualified professional (such as a CFP®, CPA, or attorney) before making any financial, tax, or investment decisions.

3. Local On-Device Processing & Privacy

Privacy Architecture: The Application operates on a local, on-device computation model. Your financial inputs and calculated plan snapshots remain stored locally on your device.
Zero Third-Party Aggregation: Everyone Can Plan, LLC does not host your personal financial data on remote servers or sell your data to third parties.

4. "As Is" and "As Available" Warranty Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APPLICATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. EVERYONE CAN PLAN, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APPLICATION WILL MEET YOUR REQUIREMENTS, OPERATE WITHOUT INTERRUPTION, OR BE COMPLETELY FREE OF ERRORS OR CALCULATION DEFECTS.

5. Limitation of Liability & Absolute Monetary Cap

Exclusion of Consequential Damages: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EVERYONE CAN PLAN, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, OR AGENTS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, LOSS OF SAVINGS, INVESTMENT LOSSES, BUSINESS INTERRUPTION, LOSS OF DATA, OR INCORRECT PROJECTIONS, ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THE APPLICATION.
Liability Cap: IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF EVERYONE CAN PLAN, LLC FOR ALL CLAIMS, LOSSES, OR CAUSES OF ACTION ARISING UNDER OR RELATED TO THIS AGREEMENT OR THE APPLICATION EXCEED THE GREATER OF (A) THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO PURCHASE OR LICENSE THE APPLICATION IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) FIFTY UNITED STATES DOLLARS ($50.00 USD).

6. Mandatory Binding Dispute Resolution & Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND HAVE A JURY HEAR YOUR CLAIMS.

Informal Resolution: In the event of any dispute, claim, or controversy arising out of or relating to this Agreement or the Application, the parties agree to first make a good-faith effort to resolve the dispute informally for at least thirty (30) days by contacting support@everyonecanplan.com.
Binding Individual Arbitration: If informal resolution fails, any unresolved dispute shall be settled by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will take place in Santa Clara County, California, unless both parties mutually agree on an alternate location or remote proceeding.
Class Action Waiver: YOU AND EVERYONE CAN PLAN, LLC AGREE THAT ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS REPRESENTATIVE, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS OR PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.
Small Claims Exception: Either party may bring an individual claim in a small claims court of competent jurisdiction located in Santa Clara County, California, provided the claim qualifies within the monetary limits of that court.

7. Governing Law & Jurisdiction

This Agreement and any disputes arising out of or related to it shall be governed by and construed in accordance with the laws of the State of California, United States, without giving effect to any conflict of law principles.

8. Governing Language, Severability & Entire Agreement

Governing Language: This Agreement is executed and prepared in the English language. Any translation of this Agreement into another language is provided solely for convenience. In the event of any conflict, inconsistency, or discrepancy between the English version and any translated version, the English language version shall govern and control in all respects.
Severability: If any provision of this Agreement is held to be invalid, illegal, or unenforceable by an arbitrator or court of competent jurisdiction, such provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.
Entire Agreement: This Agreement constitutes the complete and exclusive understanding between you and Everyone Can Plan, LLC regarding the Application and supersedes all prior or contemporaneous understandings, marketing statements, or agreements.

9. Contact Information

For questions regarding this Agreement, please contact:

Everyone Can Plan, LLC

3333 Lake Albano Cir

San Jose, California 95135

Email: support@everyonecanplan.com