Terms of Use

1. The agreement

These Terms of Use are an agreement between you and Cloudbreak. They govern your use of the Cloudbreakplanning application and this website (together, the “service”). By using the service you agree to these terms and to the Privacy Policy and Disclaimer, which are part of them. If you do not agree, do not use the service.

The service is intended for adults. You must be at least 18 years old to use it.

2. What the service is — and is not

Cloudbreak is a financial modeling tool for educational and informational purposes. It applies mathematical models — tax calculations, deterministic projections, simulations, and optimization — to information you supply, and shows you the results. Different inputs and assumptions produce different results.

Cloudbreak is not a financial advisor, not a tax advisor, not an investment advisor, not a broker-dealer, and not a fiduciary. It does not manage assets, execute transactions, hold or transmit funds, prepare tax returns, or provide individualized financial guidance. It has no knowledge of your circumstances beyond what you type in.

3. No advice, no advisory relationship

Using the service creates no advisory, fiduciary, or professional-client relationship between you and Cloudbreak. Nothing the service produces — projections, optimized scenarios, comparisons, probabilities, charts, or any other output — constitutes financial, investment, tax, accounting, or legal advice, and none of it is a recommendation to buy, sell, or hold any security or to adopt any strategy. The output is computation, not counsel: the model shows what the math says about the scenarios you build, and the decisions are yours.

Consult a qualified tax professional, accountant, or attorney before acting on anything you model here. Cloudbreak encourages professional review of any strategy you explore with the service — the tool exists to support your decisions, not to make them.

4. Your inputs, your responsibility

You are solely responsible for the accuracy and completeness of the information you enter. The service performs no verification of your inputs and does not connect to your financial institutions; its output can only be as reliable as the data you provide, and figures you leave stale stay stale. Cloudbreak makes no representation about results generated from inaccurate, incomplete, or outdated inputs.

5. Projections are estimates — no promise of accuracy

Every number the service produces is an estimate. Projections and scenarios are generated by mathematical models that are, unavoidably, simplified representations of tax law, markets, government programs, and your life. They rest on assumptions about the future — returns, inflation, tax rates, benefit rules, life expectancy — that will not hold exactly, and in some years may not hold even approximately.

Cloudbreak does not guarantee the accuracy, completeness, or fitness of any projection, calculation, or optimization result, and does not guarantee that any projection will match actual outcomes. Specifically:

• Models simplify. The tax and benefit calculations implement a specific, documented subset of the rules, with known simplifications; the methodology page describes the models and their limits.
• Law changes. Calculations reflect the tax law of a stated year. Congress, the IRS, state legislatures, and benefit agencies change the rules, sometimes retroactively.
• Markets are not a model. Simulated and historical returns illustrate ranges of outcomes; they do not predict the future. Past performance and current tax law do not guarantee future results.
• Software has defects. Despite extensive testing, calculations may contain errors, and the service may change or be unavailable.

For these reasons, do not rely on the service as the sole basis for any financial decision. Verify independently — against official sources such as IRS and Social Security Administration publications, or with a qualified professional — before acting.

6. Accounts, backup, and sync

So that your work is durable without a signup step, the application creates an anonymous account automatically the first time it runs, and backs your plan data up to that account as you work. You can optionally connect a Google account, which keeps the same stored data and makes it recoverable if you lose or switch devices. The Privacy Policy describes exactly what is stored, where, and how to delete it.

You are responsible for maintaining control of any sign-in account you connect and of the devices you use the service on. Anyone with access to your connected account or unlocked device can see the data in it.

7. Your data, and the license you give us

The information you enter remains yours. You grant Cloudbreak a limited, revocable license to store, transmit, back up, and process that information solely to operate the service for you — to run the calculations you request, keep your data saved, and sync it between your devices. Nothing broader: your data is not sold and is not used for advertising. Deleting your data (see the Privacy Policy) ends this license for the deleted data.

8. Free and paid plans

A free tier is available without payment or signup. Paid subscription tiers, where offered, are described on the pricing section of this site; the features included in each tier may change as the product develops. Billing, renewal, and refund terms will be presented when you purchase and become part of these terms when you subscribe.

9. Acceptable use

Use the service only as intended and only as permitted by law. Do not:

• attempt to access another person’s data or to bypass the access rules, rate limits, or bot protection that keep accounts separate;
• probe, disrupt, overload, or interfere with the service or the infrastructure it runs on, or create accounts by automated means;
• copy, resell, or offer the service to third parties as your own, or use it to provide regulated advice to others;
• present the service’s output as advice, endorsement, or recommendations from Cloudbreak.

10. Intellectual property

The service — its software, models, design, and text — is owned by Cloudbreak or its licensors and is protected by law. These terms give you a personal, non-exclusive, non-transferable right to use the service; they transfer no ownership and grant no rights beyond those stated. Your data is not ours and is covered by section 7, not this one.

11. No warranties

The service is provided “as is” and “as available,” without warranties of any kind, express or implied — including, without limitation, implied warranties of merchantability, fitness for a particular purpose, and non-infringement, and any warranty that the service will be accurate, complete, current, uninterrupted, or error-free. Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

12. Limitation of liability

To the maximum extent permitted by law, Cloudbreak is not liable for financial losses, tax penalties, missed benefits or subsidies, lost profits, loss of data, or any indirect, incidental, special, consequential, or punitive damages arising from your use of — or reliance on — the service, regardless of the form of action, whether in contract, tort, strict liability, or otherwise, and even if advised of the possibility of such damages.

Where liability cannot be excluded, Cloudbreak’s total liability for all claims relating to the service is limited to the greater of the amount you paid for the service in the twelve months before the claim arose, or one hundred US dollars. Some jurisdictions do not allow these limitations, so parts of this section may not apply to you.

13. Indemnification

You agree to indemnify and hold Cloudbreak harmless from claims, damages, and reasonable costs arising from your violation of these terms or your misuse of the service, to the extent permitted by law.

14. Stopping, suspension, termination

You may stop using the service at any time; the in-app delete control removes your stored plan data from your device and from cloud storage. Cloudbreak may suspend or terminate access to the service, or to an account, for violation of these terms, to protect the service or other users, or if the service is discontinued. Sections that by their nature survive — including sections 3, 5, 7, and 10 through 17 — survive any termination.

15. Governing law and disputes

[ governing law, venue, and dispute-resolution terms — to be completed at attorney review before launch ]

16. Changes to these terms

These terms may be revised as the service develops; the “Last updated” date above changes whenever they are. For material changes, reasonable steps will be taken to make the change visible, such as a notice on this site. Continued use of the service after a change takes effect is acceptance of the revised terms.

17. Everything else

If any provision of these terms is found unenforceable, the rest remain in effect. A failure to enforce a provision is not a waiver of it. These terms, together with the Privacy Policy and Disclaimer, are the entire agreement between you and Cloudbreak about the service, and you may not transfer your rights under them without consent.

18. Contact

[ contact address for legal questions — to be published before launch ]