Terms of Use

Welcome to Plan With Ivy ("Ivy"). These Terms of Use ("Terms" or "Agreement") govern your access to and use of the PlanWithIvy.com website, retirement planning software, calculators, applications, tools, and related services (collectively, the "Services") provided by Top Secret Ventures LLC ("Company," "we," "us," or "our"). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

PLEASE BE AWARE THAT THE ARBITRATION AGREEMENT AND CLASS ACTION WAIVER SECTIONS BELOW CONTAIN PROVISIONS THAT GOVERN HOW CLAIMS BETWEEN YOU AND THE COMPANY ARE RESOLVED. WITH LIMITED EXCEPTIONS, THEY REQUIRE YOU TO SUBMIT CLAIMS AGAINST THE COMPANY TO BINDING, INDIVIDUAL ARBITRATION RATHER THAN A COURT, AND YOU ARE WAIVING YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION.

Acceptance of Agreement; Entire Agreement

This Agreement, together with our Privacy Policy, State Consumer Privacy Statement, and GDPR Statement (each incorporated by reference), constitutes the entire agreement between you and the Company regarding the Services and supersedes any prior agreements or understandings on the subject. We may amend this Agreement at any time; the current version will always be posted on the Site, and posting constitutes adequate notice of any changes. Your continued use of the Services after a change takes effect constitutes acceptance of the revised Terms.

About the Services

Plan With Ivy is retirement planning software designed to help you estimate retirement income, compare retirement scenarios, and better understand your financial future. The Services are for informational and educational purposes only.

Ivy is not a financial advisor, registered investment advisor, tax advisor, law firm, or fiduciary. Nothing in the Services should be interpreted as personalized financial, legal, tax, or investment advice, and using the Services does not create an advisory, fiduciary, or professional relationship of any kind. You should consult a qualified professional who has a fiduciary relationship with you before making any significant financial decision.

You provide your own financial information. Plan With Ivy does not connect to, link, or aggregate data from any bank, brokerage, retirement plan provider, or other financial institution. Every figure in your profile — account balances, income, Social Security estimates, and similar data — is entered directly by you, and the accuracy of your projections depends on the accuracy of what you enter.

Retirement projections and forecasts generated through the Services are estimates only, based on hypothetical assumptions applied to the information you provide. Actual outcomes may differ significantly due to market conditions, inflation, taxes, spending patterns, healthcare costs, life expectancy, legislative changes, or other factors outside our control. We do not guarantee investment performance, retirement outcomes, or any financial result.

AI-Enhanced Features

Some outputs, explanations, and planning insights within the Services are generated or assisted by AI technology. AI-generated content may contain inaccuracies, outdated assumptions, or limitations, and is not independently reviewed by a person before being shown to you. You are responsible for independently evaluating any information generated through the Services before relying on it. See our Privacy Policy for how we handle the data underlying these features, including retention and training-consent practices.

Eligibility and Accuracy of Information

By using the Services, you certify that: (i) you are eighteen (18) years of age or older; (ii) all information you submit to us is complete and accurate, and you have not knowingly submitted false information; and (iii) your use of the Services complies with all applicable federal, state, and local laws.

Accounts and Security

Certain features require account registration. You agree to provide accurate registration information, maintain the confidentiality of your login credentials, and are responsible for all activity that occurs under your account. Notify us immediately at info@planwithivy.com if you suspect unauthorized access to your account.

Prohibited Conduct

You agree not to:

• Submit, transmit, or distribute content that is illegal, abusive, harmful, defamatory, infringing, or invasive of another person's privacy;
• Interfere with or attempt to compromise the security or integrity of the Services;
• Impose an unreasonable or disproportionate load on our infrastructure;
• Transmit viruses, worms, or other malicious code;
• Use a bot, scraper, or other automated means to access the Services without our express written permission;
• Reverse engineer, decompile, or attempt to derive the source code of the Services, except to the extent applicable law prohibits this restriction;
• Impersonate any person or misrepresent your affiliation with any person or entity;
• Circumvent any measure we use to restrict or monitor access to the Services; or
• Use the Services for any unlawful purpose.

We may suspend or terminate access for any account that violates this section or otherwise misuses the Services.

Privacy

Your use of the Services is also governed by our Privacy Policy, State Consumer Privacy Statement, and GDPR Statement, which describe what information we collect, how we use it, and the rights available to you. Please review them before using the Services.

Intellectual Property

All software, branding, calculations, content, graphics, designs, logos, and other materials that make up the Services are owned by Top Secret Ventures LLC or its licensors and are protected by applicable copyright, trademark, and other intellectual property laws. Subject to your compliance with this Agreement, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your own personal, non-commercial use.

You may not copy, distribute, modify, publicly display, create derivative works from, reverse engineer, or exploit any part of the Services or the underlying software for any commercial purpose without our prior written permission. Nothing in this Agreement grants you any right to use our trademarks, trade names, or logos without our prior written consent.

Subscriptions and Billing

Certain features require a paid subscription. Pricing, billing terms, renewal, cancellation, and refund policies will be disclosed to you at the time of purchase and are also available in our Fulfillment, Subscription & Refund Policy. Unless otherwise stated, subscriptions automatically renew until you cancel. You are responsible for canceling before the next renewal date if you do not wish to be charged again.

Third-Party Links and Services

The Services may contain links to or integrations with third-party websites, products, or services. We do not control and are not responsible for the content, accuracy, or privacy practices of any third-party site or service. Your use of any third-party site or service is governed by that party's own terms and privacy policy.

Disclosure of Your Information

You acknowledge and agree that we may preserve, access, and disclose information we collect about you, including personal information, if we believe in good faith that doing so is reasonably necessary to: (i) comply with legal process; (ii) enforce this Agreement; (iii) respond to a claim that content violates the rights of a third party; (iv) respond to your customer service requests; or (v) protect the rights, property, or safety of the Company, its users, or the public.

No Warranty

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR THAT ANY PROJECTION, ESTIMATE, OR CALCULATION WILL BE ACCURATE. THERE ARE NO WARRANTIES THAT EXTEND BEYOND THE FACE OF THIS AGREEMENT.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, TOP SECRET VENTURES LLC AND ITS AFFILIATES, OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR INVESTMENT OR FINANCIAL LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY RELATING TO THE SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Release

To the fullest extent permitted by law, you release Top Secret Ventures LLC and its affiliates, partners, service providers, and each of their respective officers, directors, employees, and agents from any and all claims, demands, and liabilities of any kind, known or unknown, arising from or connected with your use of the Services. If you are a California resident, you expressly waive the protections of California Civil Code Section 1542 (and any similar law in your jurisdiction), which generally provides that a general release does not extend to claims a party does not know or suspect to exist at the time of the release.

Indemnification

You agree to indemnify and hold harmless Top Secret Ventures LLC, its affiliates, officers, employees, and contractors from any claim, demand, liability, cost, or expense (including reasonable attorneys' fees) arising from your misuse of the Services, your violation of this Agreement, or your violation of any right of a third party.

Termination

We may suspend or terminate your access to the Services at any time, without prior notice, if we determine in our discretion that you have violated this Agreement, in response to a request from law enforcement or a government agency, in connection with a discontinuation or material change to the Services, or in response to unexpected technical or security issues. We will not be liable to you or any third party for any such suspension or termination.

Modification of the Services

We may add to, update, modify, or discontinue the Services, in whole or in part, at any time, with or without notice. We will not be liable to you or any third party for any such modification, suspension, or discontinuation.

Notices

We may provide notices to you — including notice of changes to this Agreement — by email, by posting on the Services, or by regular mail. Notices to us must be sent in writing to:

Top Secret Ventures LLC
30 N Gould St #3927
Sheridan, WY, 82801, USA
info@planwithivy.com

Governing Law and Venue

This Agreement is governed by the laws of the State of Wyoming without regard to its conflict-of-law principles. Any action or proceeding not subject to the Arbitration Agreement below must be brought exclusively in the state or federal courts located in Sheridan County, Wyoming and you consent to personal jurisdiction there.

Dispute Resolution; Arbitration Agreement; Class Action Waiver

Please read this section carefully — it affects your legal rights.

Informal resolution first. Before filing a formal claim, you agree to contact us at info@planwithivy.com and attempt to resolve the dispute informally for at least 30 days.

Agreement to arbitrate. If informal resolution doesn't work, you and the Company agree that any dispute or claim relating to your access to or use of the Services, or to any other aspect of your relationship with the Company, will be resolved by binding, individual arbitration rather than in court, except that: (i) you may bring a qualifying claim in small claims court on an individual basis; and (ii) either party may seek injunctive relief in court for actual or threatened infringement or misuse of intellectual property rights.

Rules and forum. This arbitration agreement is governed by the Federal Arbitration Act. Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. To begin arbitration, send a written request describing your claim to Top Secret Ventures LLC, Attn: Legal, 30 N Gould St #3927, Sheridan, WY, 82801, USA. Payment of filing, administration, and arbitrator fees will be governed by the AAA's rules. The arbitration will take place in Wyoming, or another location the parties agree to.

Arbitrator's authority. The arbitrator, not a court, has exclusive authority to resolve disputes about the interpretation, applicability, or enforceability of this arbitration agreement. The arbitrator may award the same individual relief — including monetary damages and injunctive relief — that a court could award, and will issue a written decision explaining the basis for the award. The arbitrator's award is final and binding, subject to any limited review available under the Federal Arbitration Act.

Waiver of jury trial. You and the Company each knowingly and voluntarily waive any right to a jury trial for claims subject to this arbitration agreement.

Class action waiver. You and the Company agree that any arbitration or, where permitted, court proceeding will be conducted only on an individual basis and not as a class, collective, or representative action. If this class-action-waiver provision is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court rather than in arbitration, and all other claims remain subject to arbitration.

Waiver and Severability

Our failure to enforce any provision of this Agreement is not a waiver of our right to do so later. If a court or arbitrator finds any provision of this Agreement unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable while reflecting the parties' original intent.

Survival

Provisions that by their nature should survive termination of your access to the Services — including intellectual property, disclaimers, limitation of liability, release, indemnification, and dispute resolution — will survive.

Additional Terms

Certain features may be subject to additional terms presented to you at the time you use them. In the event of a conflict, those additional terms govern for that specific feature.

Contact Us

Questions about these Terms can be directed to:

Top Secret Ventures LLC
30 N Gould St #3927
Sheridan, WY, 82801, USA
info@planwithivy.com