Terms of Service

Welcome to But First Fire. By accessing or using our website at butfirstfire.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service.

1. Description of Service

But First Fire provides free financial planning tools and educational content related to Financial Independence, Retire Early (FIRE). Our Service includes:

• FIRE number calculators and retirement projectors
• Expense and income tracking tools
• Portfolio and dividend income trackers
• AI-powered financial tips
• Educational blog articles

2. Not Financial Advice

The information provided through our Service, including calculators, projections, AI-generated tips, and blog content:

• Is for general informational purposes only
• Should not be construed as professional financial advice
• Does not take into account your individual circumstances
• Should not be relied upon as the sole basis for financial decisions

We strongly recommend consulting with a licensed financial advisor, tax professional, or other qualified expert before making any investment or financial planning decisions.

3. User Responsibilities

By using our Service, you agree to:

• Provide accurate information when using our tools
• Use the Service only for lawful purposes
• Not attempt to interfere with or disrupt the Service
• Not use automated systems to access the Service without permission
• Not reproduce, duplicate, or sell any part of the Service without authorization

4. Accuracy of Information

While we strive to provide accurate and up-to-date information:

• We do not guarantee the accuracy, completeness, or timeliness of any information
• Stock dividend yields and financial data are provided by third-party sources and may be delayed or inaccurate
• Projections and calculations are estimates based on assumptions that may not reflect actual outcomes
• Blog content represents opinions and should be independently verified

5. Intellectual Property

All content on But First Fire, including text, graphics, logos, images, and software, is the property of But First Fire or its content suppliers and is protected by intellectual property laws.

You may:

• Access and use the Service for personal, non-commercial purposes
• Share links to our content

You may not:

• Copy, modify, or distribute our content without permission
• Use our branding or logos without authorization
• Create derivative works based on our Service

6. Third-Party Services

Our Service integrates with third-party services and may contain links to external websites. We are not responsible for:

• The content, privacy practices, or availability of third-party websites
• Any damages arising from your use of third-party services
• The accuracy of data provided by third-party APIs

7. Limitation of Liability

To the maximum extent permitted by law:

• But First Fire is provided "as is" without warranties of any kind
• We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose
• We shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the amount you paid to use the Service (which is $0 for free users)

8. Indemnification

You agree to indemnify and hold harmless But First Fire, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party

9. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

10. Termination

We may terminate or suspend your access to the Service at any time, without notice, for any reason, including breach of these Terms.

11. Governing Law

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

12. Contact Us

If you have any questions about these Terms, please contact us at:

Email: butfirstfire@gmail.com