Software Terms

1. Who these terms are between

These terms are a licence agreement between you, the person purchasing or using the software ("you"), and Paul Hankin, an individual doing business as WebNomad Studio ("WebNomad Studio", "we", "us", "our"). We make the software, we license it to you, and we are responsible for it.

Who takes your payment is a separate matter. Checkout is handled through Stripe's managed payments service, under which Link, LLC acts as the merchant of record — the seller of record for the transaction itself. That is why your receipt says "Sold through Link, LLC" rather than naming us. Link takes the payment, handles any sales tax or VAT, and issues your receipt; the software, the licence below, and everything these terms cover come from us.

By purchasing, downloading, accessing or using the software you agree to these terms. If you do not agree to them, please do not purchase, download or use the software. You can email dev@webnomad.org with any questions before buying.

2. What you are buying

A downloadable file (or files) that run in your web browser, delivered as a ZIP after payment. There is no account, no subscription and no server: the planner runs entirely on your own device, and your plan data stays there. You are buying the software as it exists today, with the features described on this site at the time of purchase.

Updates are free for life. When we improve the planner you can re-download the newest version at no extra cost, using the email address you bought with. We do not promise any particular future feature, or any particular release schedule.

3. Your licence

Your purchase grants one individual (or one household) a personal, non-exclusive, non-transferable licence to use the software for their own retirement planning, on their own devices, for as long as they like.

You may not redistribute, resell, sublicense, publish, rent, or share the files with any third party; use them to provide a service to other people, including paid financial planning or advice; modify, reverse-engineer, decompile or create derivative works from them; or remove or alter any notice, branding or disclaimer they contain. All rights not expressly granted are reserved.

If you would like to use the planner with clients or across an organisation, email us — that is not covered by this licence, but it is a conversation we are happy to have.

4. Educational tool only — not financial advice

This is the most important part, so we say it plainly:

The planner is an educational and personal planning tool. It does not constitute financial, investment, tax, legal, or accounting advice, and buying or using it does not create an advisory or professional relationship of any kind. We are not acting as your financial adviser, accountant, attorney, or fiduciary. We do not give personalised recommendations and we do not review, endorse or give an opinion on your plan or your circumstances.

Everything the planner produces is a hypothetical illustration based on the values and assumptions you enter — an estimate, not a prediction, and not a guarantee of any outcome. Before making any financial, tax, or legal decision you should consult a suitably qualified and licensed professional who can consider your individual situation.

5. Investment risk

All investments carry risk, including possible loss of principal, and investment values rise and fall. Past performance does not indicate future results. That applies directly to the planner's historical stress test, which replays past market sequences purely to illustrate how a plan might have behaved — not to suggest those sequences will happen again.

6. Tax rules change, and you must check them

Tax laws, ACA rules, Medicare premiums, Social Security benefit structures, and UK, Canadian and Australian tax parameters change regularly. The figures built into the planner reflect our understanding at the time of a given release. You are responsible for verifying that the figures used in your plan reflect current law for your own situation and country.

7. AI features

Where the planner uses AI assistance, its responses are generated by a third-party AI model and may be incomplete, out of date, or simply wrong — including on tax figures, rates, thresholds and allowances. Treat every AI response as a prompt to verify, never as a finished answer, and do not rely on it without independent confirmation. If you supply your own AI provider key, your use of that provider is governed by their terms, and any charges they make are between you and them.

8. No warranty

The software is provided "as is", without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or accuracy. It may contain errors, and its calculations are deliberately simplified models of complex rules. We document the main simplifications inside the planner itself, under Under the hood — including that tax is calculated once per phase rather than separately for each year, which can understate tax where income varies a lot within a phase.

We do not warrant that the software will run on every device or browser, or that it will be uninterrupted or error-free.

9. Limitation of liability

To the fullest extent permitted by applicable law, Paul Hankin, doing business as WebNomad Studio, shall not be liable for any loss or damage — including loss of profit, savings, or opportunity, or any indirect or consequential loss — arising from your use of, or reliance on, the software or its output. To the fullest extent permitted by applicable law, our total liability arising out of or in connection with the software is limited to the amount you paid for it.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot lawfully be excluded. If you are a consumer, these terms do not affect your statutory rights.

10. Payment, delivery and refunds

Payment is taken by Link, LLC as merchant of record, through Stripe's managed payments service (see Section 1). We never see or store your card details. Your receipt and any invoice come from Link and will say "Sold through Link, LLC"; any sales tax, VAT or GST is calculated and remitted by them, not by us. After payment you are redirected to a download page, and you can re-download later using the email address you bought with.

If something is not working, contact us first — most problems are quickly fixed, and we would rather fix it than take your money for something that did not help. If we cannot put it right, we will refund you. Refunds can be issued by us or through Link's own support, including any consumer-law cooling-off rights that apply where you live. Because this is a digital product delivered immediately, some jurisdictions allow those rights to be waived on download; we do not rely on that — if you are unhappy, email dev@webnomad.org.

11. Your data

The planner runs on your own device and your plan data stays there — we do not receive it. The only information that reaches us is what you actively send: your email address when you request a re-download, and anything you choose to write to us. If you use the AI features with your own key, the plan summary you submit goes to that provider, not to us. See our Privacy Policy for the full picture.

12. Changes to these terms

We may update these terms from time to time; the version in force is the one published here on the date you buy. Material changes will be reflected by the "last updated" date above.

13. Governing law and disputes

These terms, and any dispute or claim arising out of or relating to the software, its purchase, or these terms, are governed by the laws of the State of Missouri, United States, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Subject to any mandatory right you may have as a consumer to bring proceedings in another jurisdiction, the state courts located in St. Louis County, Missouri, and the United States District Court for the Eastern District of Missouri, will have exclusive jurisdiction over any dispute or claim arising out of or relating to the software or these terms, and you and WebNomad Studio consent to the jurisdiction of those courts.

Nothing in these terms deprives you of any mandatory consumer rights or protections that apply under the laws of the jurisdiction in which you reside and that cannot lawfully be excluded or restricted by agreement.

14. Contact

Questions about the software or these terms? Email dev@webnomad.org — a real person replies, usually within one business day.

These terms are provided in good faith and in plain language; they are not legal advice to you. See also our Privacy Policy and, if you book a session, the Session Terms.