Terms of Service
Last Updated: February 9, 2026
Acceptance of Terms
By accessing and using UngrindFi, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
Service Description
UngrindFi provides a free Coast FIRE calculator and educational content about financial independence. The calculator uses mathematical formulas to project potential investment growth based on user inputs. All calculations are estimates and should not be considered financial advice.
Not Financial Advice
Important Disclaimer:
UngrindFi is an educational tool, not a financial advisor. Our calculator provides estimates based on mathematical formulas, but cannot account for market volatility, inflation variations, life changes, tax implications, or individual circumstances.
You should consult with a certified financial planner, accountant, or other qualified professional before making investment decisions. We are not responsible for any financial decisions you make based on our calculator or content.
Accuracy and Limitations
While we strive for accuracy in our calculations, we make no guarantees about:
- Future investment returns or market performance
- The completeness or accuracy of our formulas for your specific situation
- Tax implications of your investment strategy
- Changes in inflation, interest rates, or economic conditions
- The suitability of Coast FIRE strategy for your personal circumstances
Past performance does not guarantee future results. Investment returns are not guaranteed and may be negative in some years.
User Responsibilities
You agree to:
- Use the service for lawful purposes only
- Provide accurate information when using the calculator
- Not attempt to manipulate, hack, or abuse the service
- Not use automated systems to scrape or copy our content
- Verify all calculations independently before making financial decisions
Intellectual Property
The UngrindFi website design, code, content, and calculator are owned by UngrindFi and protected by copyright laws. You may use the calculator for personal financial planning, but may not reproduce, redistribute, or create derivative works without permission.
Service Availability
We provide UngrindFi on an "as is" and "as available" basis. We do not guarantee uninterrupted access and reserve the right to modify, suspend, or discontinue the service at any time without notice.
Limitation of Liability
To the fullest extent permitted by law, UngrindFi and its creators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use the service
- Financial decisions made based on our calculator
- Errors or inaccuracies in calculations or content
- Unauthorized access to or use of our servers
- Any bugs, viruses, or harmful code transmitted through the service
External Links
Our resources page may contain links to third-party websites or services. We do not endorse or assume responsibility for the content, privacy policies, or practices of any third-party sites. You access external links at your own risk.
Changes to Terms
We reserve the right to modify these terms at any time. Changes become effective immediately upon posting. Continued use of the service constitutes acceptance of updated terms.
Governing Law
These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law provisions.
Contact
Questions about these terms? Visit our About page for more information or to get in touch.
Summary: Use UngrindFi as an educational tool to explore Coast FIRE concepts. Verify all calculations independently and consult professionals before making financial decisions. We're here to help you learn, not to replace personalized financial advice.