Last Updated: December 15, 2025
Welcome to https://www.google.com/search?q=AnnuityCalculator.tinkpro.com (the “Service”), a free online financial modeling tool designed to help you generate retirement income estimations. These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User” or “you”) and [Legal Entity Name/Tinkpro] (“Provider,” “we,” “us,” or “our”) governing your access to and use of our Annuity Calculator and related online content. By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Service.
Non-Reliance on Financial Advice & Calculator Limitations
Educational and Illustrative Purposes Only
The Service, including the online annuity calculator, is offered solely for general informational and educational purposes. The projections generated by the calculator, whether related to a deferred annuity, immediate annuity, or any other investment scenario, are based on user-supplied inputs and standardized mathematical formulas. They are designed to illustrate potential outcomes under various assumptions, such as a constant expected rate of return and consistent contributions.
No Financial, Tax, or Legal Advice
The Provider is not a registered financial advisor, broker-dealer, insurance agent, or tax professional. The use of this tool does not create a client-advisor relationship. The output must not be construed as personalized financial, investment, tax, or legal advice. Decisions regarding retirement planning, compound interest strategies, or the purchase of actual financial products should always be made after consulting with qualified, licensed professionals who can assess your unique financial situation and risk tolerance.
Accuracy and Assumptions
We strive for mathematical accuracy in the underlying actuarial science of the calculator. However, the Service is provided “as is.” Financial modeling inherently relies on assumptions that may not materialize. Factors such as market volatility, inflation rates, changes in tax law, unexpected expenses, and actual investment returns are highly variable and will affect your actual retirement income. The Provider makes no warranty, express or implied, regarding the predictive accuracy, completeness, or reliability of the financial projections generated by the tool. Your use of the estimations is entirely at your own risk.
User Obligations and Permitted Use
Lawful Use
You agree to use the Service only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use and enjoyment of the Service. You shall not misuse the tool by submitting false data or attempting to disrupt its operation.
User-Supplied Data Integrity
You are solely responsible for the accuracy and completeness of the data you input into the calculator (e.g., current age, savings amount, required annual income). The quality and relevance of the output are directly dependent on the integrity of your input.
Age Restriction
The Service is intended for use by individuals who are at least 18 years of age and legally capable of entering into this agreement. By using the Service, you represent that you meet this age requirement.
Intellectual Property Rights (IPR)
Ownership
All content, including but not limited to the underlying code, financial calculators, text, graphics, logos, and the visual design of the https://www.google.com/search?q=AnnuityCalculator.tinkpro.com website, are the exclusive intellectual property of the Provider or its licensors and are protected by copyright, trademark, and other laws.
Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service strictly for your personal, non-commercial use, in accordance with these Terms. You may not modify, copy, distribute, transmit, display, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from the Service without prior written consent.
Limitation of Liability and Indemnification
Exclusion of Damages
To the maximum extent permitted by applicable law, the Provider, its affiliates, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including without limitation, losses of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of the Service; (ii) any reliance placed on the output of the calculator or any financial projections; or (iii) any errors or inaccuracies in the Service’s operation. This limitation of liability applies even if the Provider has been advised of the possibility of such damages.
Indemnity
You agree to indemnify, defend, and hold harmless the Provider from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your breach of these Terms or your use of the Service.
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of [Insert Governing State/Country, e.g., the State of Delaware, USA], without regard to its conflict of law principles. You agree that any legal action or proceedings relating to your access to, or use of, the Service shall be instituted in the state or federal courts located in [Insert Governing City/County, e.g., New Castle County, Delaware].
General Provisions
Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of material changes by posting the new Terms on the Service. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.
6Entire Agreement
These Terms, together with any documents expressly referred to in them (such as the Privacy Policy), constitute the entire agreement between you and the Provider and supersede any prior agreements or communications.