Terms of Use

Last updated: January 2026

1. Acceptance of Terms

By accessing and using Klyrify.com ("the Site"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

2. Educational Purpose Only

All content, calculators, and tools on Klyrify.com are provided for educational and informational purposes only. Nothing on this Site constitutes financial, investment, tax, or legal advice. The calculators and articles are tools to help you understand financial concepts — they are not personalized recommendations.

Before making any financial decisions, consult a qualified financial advisor, tax professional, or legal counsel who can evaluate your specific circumstances.

3. No Financial Advice

Klyrify is not a registered investment advisor, broker-dealer, or financial planner. The FIRE numbers, compound interest projections, withdrawal rate estimates, and other calculations provided by our tools are based on historical data and mathematical models. Past performance does not guarantee future results. All financial projections involve uncertainty and should not be relied upon as predictions.

4. Accuracy of Information

We make reasonable efforts to ensure the accuracy of content and calculations on this Site. However, we make no warranties or representations — express or implied — regarding the completeness, accuracy, reliability, or suitability of any information. Financial laws, tax rates, and contribution limits change regularly. Always verify current limits and rules with official sources (IRS.gov, SSA.gov, etc.).

5. User Responsibilities

You are responsible for:

  • Verifying any information obtained from this Site before relying on it for financial decisions
  • Using the Site only for lawful purposes
  • Not attempting to interfere with the Site's operation or security
  • Ensuring any information you enter into calculators is accurate

6. Intellectual Property

All content on Klyrify.com — including text, calculator code, design, and graphics — is the property of Klyrify and is protected by copyright. You may not reproduce, distribute, or create derivative works from our content without written permission, except for personal, non-commercial use.

7. Third-Party Links and Affiliate Relationships

This Site may contain links to third-party websites and may include affiliate links. When you click an affiliate link and make a purchase or sign up for a service, we may earn a commission at no additional cost to you. We only recommend products and services we believe provide genuine value. All affiliate relationships are disclosed in accordance with FTC guidelines.

8. Limitation of Liability

To the maximum extent permitted by law, Klyrify and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — this Site or its content. This includes, without limitation, any financial losses resulting from reliance on calculator outputs or articles.

9. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Continued use of the Site after changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes shall be resolved through binding arbitration or in the courts of competent jurisdiction.

13. Contact

Questions about these Terms? Contact us at [email protected].

By using Klyrify.com, you acknowledge that you have read, understood, and agree to these Terms of Use.