Terms of Service

Efficient Dollar provides financial planning tools, calculators, and an AI-powered financial simulator. By using the site and its tools, you agree to these terms.

Not Financial Advice

All content, tools, projections, and AI-generated responses on this site are for general information and educational purposes only. They do not constitute financial, investment, tax, legal, or insurance advice.

The financial simulator uses AI to help you explore the potential impact of financial decisions. The projections shown are estimates based on the information you provide and simplified assumptions. They are not predictions or guarantees of future results.

You should consult a qualified professional (financial advisor, CPA, attorney) before making significant financial decisions. Efficient Dollar is not a registered investment advisor, broker-dealer, tax advisor, or financial planner.

AI-Generated Content

Parts of this product use artificial intelligence to generate responses and analysis. AI-generated content may contain errors or inaccuracies. All financial projections are computed by a deterministic simulation engine, but the narrative explanations and suggestions around those projections are AI-generated and should not be relied upon as professional guidance.

Use at Your Own Risk

You are responsible for how you use the tools and any decisions you make based on the information provided. The site and its tools are provided “as is” without warranties of any kind, including accuracy, completeness, reliability, or fitness for a particular purpose.

Your Data

Financial information you enter is used to generate your projections and is stored in your account. We do not store conversation history. If you connect a bank account via Plaid, transaction data is used to provide spending insights and is handled according to our Privacy Policy.

Limitation of Liability

To the fullest extent allowed by law, Efficient Dollar and its team are not liable for any losses, damages, or adverse outcomes arising from your use of the site, its tools, or any decisions made based on information provided by the site.

Intellectual Property

The site’s content, design, and code belong to Efficient Dollar. Do not copy, resell, or misuse them without permission.

Third-Party Links

We may link to other sites. We do not control or endorse their content or policies.

Changes to These Terms

We may update these terms from time to time. The “Last updated” date above reflects the latest version.