Terms of Service

Effective Date: March 7, 2026

Welcome to NestMint. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Kite Lane Group LLC ("Company," "we," "us," or "our"), governing your access to and use of the NestMint web application, including all associated features, tools, content, and services (collectively, the "Service").

By creating an account, 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 to these Terms, you must not access or use the Service.

1. Definitions

For purposes of these Terms, the following definitions apply:

2. Eligibility

2.1. You must be at least eighteen (18) years of age to create an Account and use the Service. By creating an Account, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

2.2. If you are accessing or using the Service on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and "you" and "your" shall refer to such entity.

2.3. The Service is not directed at children under the age of thirteen (13), and we do not knowingly collect personal information from children under 13. See our Privacy Policy for further details.

3. Educational and Informational Purpose Only — No Financial Advice

3.1. The Service is provided solely for educational and informational purposes. The Service is a retirement planning calculator and estimation tool designed to help users explore hypothetical financial scenarios based on their own inputs and assumptions.

3.2. The Service does NOT constitute, and shall not be construed as, financial advice, investment advice, tax advice, legal advice, accounting advice, or any other form of professional advice or recommendation. Nothing in the Service should be interpreted as a recommendation to buy, sell, hold, or otherwise transact in any security, insurance product, annuity, or other financial instrument.

3.3. All Projections generated by the Service — including but not limited to results from the pre-retirement savings estimator, post-retirement income planner, budget tracker, Monte Carlo simulation, Roth Conversion Explorer, What-If scenarios, and Required Minimum Distribution (RMD) planner — are hypothetical estimates based on User Data and assumptions. They are not guarantees or predictions of future results. Actual outcomes may differ materially from any Projections.

3.4. Past performance, historical data, and simulated results do not guarantee future results. Market conditions, tax laws, inflation rates, life expectancy, and numerous other factors may change in ways not reflected by the Service.

3.5. You should consult with a qualified financial advisor, tax professional, certified public accountant, attorney, or other appropriate professional before making any financial, investment, tax, or legal decisions. The Company is not a registered investment advisor, broker-dealer, financial planner, tax preparer, or attorney.

4. Account Registration and Security

4.1. To access the Service, you must create an Account by providing a username and password. You may optionally provide a security question and answer for account recovery purposes.

4.2. You are responsible for maintaining the confidentiality of your Account credentials. You agree to (a) create a strong, unique password; (b) not share your login credentials with any third party; and (c) immediately notify us at support@nestmint.ai if you suspect any unauthorized access to or use of your Account.

4.3. You are solely responsible for all activities that occur under your Account, whether or not you have authorized such activities. The Company shall not be liable for any loss or damage arising from unauthorized use of your Account.

4.4. You agree to provide accurate and complete information when creating your Account and to keep your Account information current.

5. User Data and Inputs

5.1. The Service allows you to enter financial planning data, including but not limited to account balances, income amounts, spending figures, tax rates, expected rates of return, and other parameters ("User Data").

5.2. You are solely responsible for the accuracy, completeness, and appropriateness of all User Data you enter into the Service. The quality and reliability of any Projections generated by the Service depend entirely on the accuracy of your inputs.

5.3. The Company does not verify, validate, or audit the accuracy of any User Data. We are not responsible for any errors, omissions, or inaccuracies in User Data or any Projections resulting therefrom.

5.4. The Service does not connect to, aggregate, or retrieve data from any third-party financial institution, brokerage, bank, or other external data source. All data in the Service is entered manually by the User.

6. Subscription and Payment

6.1. Subscription Plans. Access to the Service requires a paid Subscription. The following plans are currently available:

6.2. Auto-Renewal. Your Subscription will automatically renew at the end of each billing cycle (monthly or annually, as applicable) unless you cancel before the renewal date. Upon renewal, your payment method on file will be charged the then-current subscription fee.

6.3. Cancellation. You may cancel your Subscription at any time. Cancellation will take effect at the end of your current billing period. You will retain access to the Service through the end of the period for which you have already paid. No refunds or credits will be issued for partial billing periods.

6.4. Price Changes. The Company reserves the right to modify Subscription pricing at any time. We will provide you with at least thirty (30) days' advance notice of any price increase. Continued use of the Service after a price change takes effect constitutes your acceptance of the new pricing. If you do not agree to a price change, you may cancel your Subscription before the new pricing takes effect.

6.5. Taxes. Subscription fees are exclusive of any applicable taxes, duties, or governmental levies. You are responsible for all taxes associated with your Subscription, except for taxes based on the Company's net income.

6.6. Payment Processing. Payment processing services may be provided by third-party payment processors. Your use of such services is subject to the terms and privacy policies of the applicable payment processor.

7. Acceptable Use

You agree that you will not:

8. Intellectual Property Rights

8.1. Company IP. The Service, including all software, algorithms, user interfaces, designs, text, graphics, logos, icons, images, audio clips, data compilations, and the overall arrangement thereof, is the exclusive property of the Company or its licensors and is protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

8.2. Limited License. Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your personal, non-commercial retirement planning purposes.

8.3. Trademarks. "NestMint," "Kite Lane Group," and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates. You may not use such marks without our prior written permission.

8.4. User Data License. You retain ownership of your User Data. By submitting User Data to the Service, you grant the Company a limited, non-exclusive license to use, process, and store such data solely for the purpose of providing and improving the Service.

8.5. Feedback. If you provide the Company with any suggestions, ideas, enhancement requests, feedback, or other recommendations regarding the Service ("Feedback"), you hereby assign to the Company all right, title, and interest in and to such Feedback, and the Company shall be free to use, reproduce, modify, and distribute such Feedback without restriction or compensation.

9. Digital Millennium Copyright Act (DMCA)

9.1. The Company respects the intellectual property rights of others and expects its users to do the same. If you believe that any content on the Service infringes your copyright, you may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing the following information in writing to our designated copyright agent:

  1. A physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
  2. Identification of the copyrighted work claimed to have been infringed;
  3. Identification of the material that is claimed to be infringing and where it is located on the Service;
  4. Your contact information, including your address, telephone number, and email address;
  5. A statement that you have a good faith belief that use of the material is not authorized by the copyright owner, its agent, or the law;
  6. A statement, made under penalty of perjury, that the above information is accurate and that you are the copyright owner or are authorized to act on the copyright owner's behalf.

9.2. DMCA notices should be sent to: support@nestmint.ai with the subject line "DMCA Notice."

10. Disclaimer of Warranties

10.1. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

10.2. WITHOUT LIMITING THE FOREGOING, THE COMPANY DOES NOT WARRANT THAT:

10.3. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. ALL PROJECTIONS AND OUTPUTS GENERATED BY THE SERVICE ARE HYPOTHETICAL AND FOR EDUCATIONAL PURPOSES ONLY. YOU SHOULD NOT RELY ON SUCH PROJECTIONS AS THE SOLE BASIS FOR ANY FINANCIAL, INVESTMENT, TAX, OR LEGAL DECISION.

11. Limitation of Liability

11.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, SUPPLIERS, LICENSORS, OR AFFILIATES BE LIABLE FOR:

11.2. IN NO EVENT SHALL THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU HAVE PAID TO THE COMPANY IN SUBSCRIPTION FEES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

11.3. THE LIMITATIONS OF LIABILITY SET FORTH IN THIS SECTION SHALL APPLY REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING BUT NOT LIMITED TO CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11.4. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.

12. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, members, managers, employees, agents, suppliers, licensors, and affiliates from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: (a) your use of or access to the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your User Data or any content you submit to the Service; (e) any financial, investment, tax, or legal decision you make based on Projections or other outputs from the Service; or (f) your infringement of any intellectual property or other right of any third party.

13. Account Termination

13.1. Termination by You. You may terminate your Account at any time by contacting us at support@nestmint.ai. Upon termination, your Subscription will be cancelled and your right to access the Service will cease at the end of your current billing period.

13.2. Termination by the Company. The Company reserves the right to suspend or terminate your Account and your access to the Service at any time, with or without cause, and with or without notice, including but not limited to situations where:

13.3. Effect of Termination. Upon termination of your Account: (a) your license to use the Service immediately terminates; (b) the Company may delete your User Data in accordance with its data retention practices as described in the Privacy Policy; and (c) any provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 3, 8, 10, 11, 12, 14, and 15.

13.4. No refunds or credits will be issued upon termination for cause.

14. Dispute Resolution and Binding Arbitration

14.1. Agreement to Arbitrate. You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Service (collectively, "Disputes") shall be resolved exclusively through binding individual arbitration, rather than in court, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement or misappropriation of intellectual property rights.

14.2. Arbitration Rules. Arbitration shall be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration shall be conducted by a single arbitrator. The arbitration shall take place in the State of Delaware, unless the parties agree otherwise or the arbitrator determines that an alternative location is more appropriate.

14.3. Class Action Waiver. YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

14.4. Informal Resolution. Before initiating arbitration, you agree to first attempt to resolve any Dispute informally by contacting us at support@nestmint.ai. The parties shall attempt to negotiate a resolution in good faith for a period of at least thirty (30) days before commencing arbitration proceedings.

14.5. Opt-Out. You may opt out of this arbitration provision by sending written notice to support@nestmint.ai within thirty (30) days of first accepting these Terms. Your notice must include your name, username, and a clear statement that you wish to opt out of the arbitration provision.

15. Governing Law

These Terms and any Dispute arising out of or relating to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. To the extent that litigation is permitted under these Terms, you and the Company consent to the exclusive jurisdiction of the state and federal courts located in the State of Delaware.

16. Changes to These Terms

16.1. The Company reserves the right to modify, amend, or update these Terms at any time at its sole discretion. If we make material changes to these Terms, we will notify you by posting a notice within the Service and updating the "Effective Date" at the top of this page.

16.2. Your continued use of the Service after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and terminate your Account.

16.3. It is your responsibility to review these Terms periodically. We encourage you to check this page frequently to stay informed of any changes.

17. Third-Party Links and Services

The Service may contain links to third-party websites, services, or resources that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any third-party websites or services.

18. Service Availability and Modifications

18.1. The Company reserves the right to modify, suspend, or discontinue the Service (or any features or functionality thereof) at any time, with or without notice, temporarily or permanently. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

18.2. The Company may perform scheduled or unscheduled maintenance that may result in temporary interruptions to the Service. The Company shall use commercially reasonable efforts to minimize the duration and frequency of such interruptions.

19. General Provisions

19.1. Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the Service and supersede all prior or contemporaneous agreements, understandings, or representations, whether written or oral.

19.2. Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

19.3. Waiver. The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term.

19.4. Assignment. You may not assign or transfer these Terms or your rights hereunder, in whole or in part, without the Company's prior written consent. The Company may assign these Terms in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets without your consent.

19.5. Force Majeure. The Company shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

19.6. Notices. All notices to the Company should be sent to support@nestmint.ai. Notices to you may be provided through the Service or to the contact information associated with your Account.

19.7. Headings. The section headings in these Terms are for convenience only and have no legal or contractual effect.

20. Contact Information

If you have any questions, concerns, or feedback regarding these Terms, please contact us at:

Kite Lane Group LLC
Email: support@nestmint.ai