Terms of Service

Last Updated: December 2, 2025

Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of december.you (the "Site"), including any content, functionality, and services offered on or through the Site.

By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Site.

Description of Services

december.you provides financial planning resources, tools, and information to help individuals manage year-end financial tasks. Our services include:

• Interactive financial calculators
• Educational articles and guides
• Downloadable checklists and templates
• Goal tracking and planning tools
• Financial planning resources and tips

Important Disclaimers

No Guarantees

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

• We make no guarantees about the accuracy, completeness, or reliability of any information on the Site
• Tax laws, financial regulations, and market conditions change frequently
• Calculator results are estimates based on the information you provide
• We do not guarantee any specific financial outcomes from using our tools

Your Responsibility

You are solely responsible for:

• Verifying information before making financial decisions
• Ensuring the accuracy of data you enter into our calculators
• Understanding your personal financial situation
• Complying with applicable tax laws and regulations
• Seeking professional advice when needed

User Accounts and Data

Account Security

If you create an account or save data on our Site, you are responsible for:

• Maintaining the security of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

Data You Provide

By entering information into our calculators or saving goals and tasks:

• You confirm that you have the right to share that information
• You grant us permission to store and process that data as described in our Privacy Policy
• You understand that we cannot guarantee the security of data transmitted over the internet

Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Interfere with or disrupt the Site or servers
• Use automated systems (bots, scrapers) without permission
• Copy, modify, or distribute content from the Site without authorization
• Transmit viruses, malware, or harmful code
• Impersonate any person or entity
• Harass, abuse, or harm other users
• Collect or harvest information about other users

Intellectual Property Rights

Our Content

The Site and its content, features, and functionality (including but not limited to text, graphics, images, calculators, and software) are owned by december.you and are protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You may:

• View and use our calculators for personal financial planning
• Download and print checklists and guides for personal use
• Share links to our content on social media

You may not:

• Reproduce, distribute, or republish our content without permission
• Use our content for commercial purposes
• Remove copyright or attribution notices
• Create derivative works based on our content

Third-Party Links and Services

The Site may contain links to third-party websites or services. We do not control, endorse, or assume responsibility for any third-party sites or services. You access them at your own risk and should review their terms and privacy policies.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

december.you, its owners, operators, employees, and affiliates SHALL NOT BE LIABLE for any:

• Financial losses resulting from your use of the Site or reliance on its information
• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Errors, omissions, or inaccuracies in content
• Unauthorized access to or use of our servers or your information
• Interruption or cessation of the Site

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so these limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless december.you and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Your financial decisions based on information from the Site

Disclaimer of Warranties

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness of content
• Warranties that the Site will be uninterrupted, secure, or error-free
• Warranties regarding results from using the Site

Modifications to the Site

We reserve the right to:

• Modify, suspend, or discontinue any part of the Site at any time
• Change features, functionality, or content without notice
• Limit access to certain features or users

We are not liable for any modification, suspension, or discontinuation of the Site.

Termination

We may terminate or suspend your access to the Site immediately, without notice, for any reason, including:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• At our sole discretion

Upon termination, your right to use the Site will immediately cease. We may delete any content or data associated with your account.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the new Terms on this page and updating the "Last Updated" date.

Your continued use of the Site after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the new Terms, you must stop using the Site.

Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Site will be resolved in the courts located in the United States.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and december.you regarding the Site and supersede any prior agreements.

No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Contact Information

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

Acknowledgment

By using december.you, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.