Terms of Service
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By accessing or using 401lcalculator.com (“the Site”), you agree to the following terms. If you do not agree, do not use the Site.
1. Educational Use Only
All content, calculators, articles, tables, and FAQ entries on this Site are for general educational and informational purposes only. They do not constitute financial, investment, tax, legal, or retirement-planning advice. You should not rely on them as the sole basis for any financial decision.
2. No Professional Relationship
Your use of this Site does not create any advisor-client, fiduciary, attorney-client, or accountant-client relationship between you and David Jones, 401k Calculator, or any contributor. For personalized advice, consult a licensed professional.
3. Accuracy Not Guaranteed
We strive to keep IRS figures, bracket numbers, and calculator formulas accurate and current. However, we make no warranty, express or implied, as to the accuracy, completeness, timeliness, or fitness for any purpose of any content on the Site.
4. Limitation of Liability
To the maximum extent permitted by law, in no event shall David Jones, 401k Calculator, or any contributor be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use the Site, including but not limited to financial loss, loss of profits, data loss, or reliance on any calculator output.
5. Intellectual Property
All site content — text, images, SVG illustrations, source code — is © 2026 David Jones unless otherwise noted. You may quote up to 200 words with attribution and a link back to the original page. Longer excerpts, republication, or derivative works require written permission.
6. User Conduct
You agree not to:
- Scrape, mirror, or systematically download the Site
- Attempt to disable, circumvent, or reverse-engineer any security feature
- Use the Site in any way that would violate applicable law
- Impersonate the Site, its author, or any affiliate
7. Third-Party Services
We link to external resources (IRS, SSA, CFP Board, Chart.js CDN, etc.) for your convenience. We do not control and are not responsible for the content, accuracy, or policies of these third parties.
8. Advertising
We serve Google AdSense ads. Your interaction with advertisers is solely between you and them. See our privacy policy for how AdSense uses cookies.
9. Changes to These Terms
We may update these terms to reflect legal, technical, or business changes. Material changes will be noted at the top of this page. Your continued use of the Site after an update constitutes acceptance of the revised terms.
10. Governing Law
These terms are governed by the laws of the State of Alaska, United States, without regard to conflict-of-law provisions. Any dispute shall be brought in the state or federal courts located in the First Judicial District of Alaska.
11. Contact
Email: [email protected]. You can also use the form on our contact page.