Terms of Service

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").

The Service includes NestMint Consumer at nestmint.ai and NestMint Workplace at workplace.nestmint.com. They use separate Accounts and separate planning data, even when the same person or email address is associated with both.

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:

• "Service" means the NestMint web application, including all retirement planning calculators, estimators, simulators, planners, and related tools and features provided by the Company.
• "User Data" means any data, information, or content that you enter, upload, or otherwise provide to the Service, including but not limited to account balances, income amounts, spending figures, tax rates, and other financial planning inputs.
• "Projections" means any calculations, estimates, forecasts, simulations, scenarios, or outputs generated by the Service based on User Data and assumptions.
• "Account" means your registered user account on the Service.
• "Beta Access Code" means a code that permits registration during closed beta. Consumer and Workplace use separate codes; a Workplace employer join code or invitation is a separate eligibility requirement.
• "Subscription," "Free Trial" and "Lifetime Access" refer to paid-access or limited-trial arrangements only if separately offered and accepted under purchase terms. Current beta access is not a fourteen-day Free Trial and does not create a paid Subscription or Lifetime Access purchase.

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 create an Account, a valid email address is required. Personal Accounts support username/password registration and Google Sign-In. Workplace registration uses the employer invitation, join-code or single-sign-on options enabled for that employer program. Beta access and employer eligibility are separate requirements. Your email address is used for verification, recovery and Account messages. If an email address identifies more than one Account, use the intended Account's username for password recovery. Recovery must be requested on the correct product site.

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 [email protected] 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 registration information and keep it current. Planning inputs may intentionally describe hypothetical circumstances, including a future retirement age; they need not be a statement of your current financial circumstances.

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 responsible for selecting and reviewing your planning inputs. Projections depend on those inputs and on the model's assumptions, calculation methods, implementation, and tax-rule coverage. Accurate inputs do not guarantee accurate or complete results. Hypothetical scenarios and sample plans are illustrations, not recommendations.

5.3. The Service may check input formats, ranges or consistency, but these checks do not verify or audit your financial circumstances or establish that an assumption is suitable for you. Review important results with an appropriate qualified professional.

5.4. The Service does not automatically connect to your bank or brokerage accounts. You enter or upload personal planning data. Sample scenarios, software defaults, tax assumptions and information identified as employer-supplied may also appear. Review them before use and confirm actual benefits with your employer or plan administrator.

6. Current Beta and Future Paid Access

6.1. Current beta. Current beta access is free of charge, does not run on a fourteen-day trial-expiration clock, and does not renew automatically into a paid plan. No payment method is required. A Beta Access Code, selection of a future plan, or agreement to these Terms is not consent to a future charge.

6.2. Future paid plans. Paid checkout is not enabled for current beta access. Any displayed future prices or plan descriptions are previews, not presently available purchases. Before paid access is introduced, we will present the applicable price, features, payment processor, renewal, cancellation and refund terms. A paid plan requires a separate affirmative purchase.

6.3. Existing rights. These beta provisions do not cancel or reduce any rights from a purchase already made under separately accepted terms, including any refund or discontinuation protection, or any rights that cannot be excluded by law. They do not create a new Lifetime Access guarantee.

6A. Closed Beta Access

Self-service registration during closed beta requires the applicable valid Beta Access Code. Employer invitation and single-sign-on access follow that program's enabled onboarding requirements. Do not sell a code or distribute it beyond its authorized recipients. Withdrawing a code stops new registrations using it; it does not by itself delete existing Accounts. Features may change or contain errors, and projections may change as the model is corrected. Beta participation does not guarantee continuing access to any particular feature.

6B. NestMint Workplace

Workplace access depends on eligibility for the employer's program and its enabled sign-in options. An employer can know your identity through invitations, its own single sign-on or employment records. Employer plan reporting does not display or export your individual financial plan, saved scenarios or personal readiness score; the aggregate-reporting safeguards are described in Privacy Policy Sections 1.5 and 3.1.2.

Confirm employer-supplied benefits and plan facts with your employer or plan administrator. NestMint's illustrations are not the governing benefit-plan documents. If employer access ends, including access through employer single sign-on, use any export tools while you still have access or contact [email protected] about data requests. We do not promise a separate post-termination export window. Data deletion follows the Privacy Policy. Your Workplace Account and any Personal Account remain separate.

7. Acceptable Use

You agree that you will not:

• Use the Service for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation;
• Attempt to gain unauthorized access to the Service, other users' Accounts, or any computer systems or networks connected to the Service;
• Interfere with or disrupt the integrity or performance of the Service or the data contained therein;
• Use any automated system, including bots, crawlers, or scrapers, to access the Service for any purpose without our express written consent;
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service;
• Remove, alter, or obscure any proprietary notices, labels, or marks on the Service;
• Reproduce, duplicate, copy, sell, resell, sublicense, or exploit any portion of the Service without our express written permission;
• Use the Service to provide financial advice, investment advice, or any other professional advice to third parties;
• Impersonate any person or entity or misrepresent your affiliation with a person or entity;
• Create multiple Accounts to circumvent access limitations, or share beta codes, employer join codes or invitation links beyond their authorized recipients;
• Upload or transmit any viruses, malware, or other harmful code;
• Engage in any activity that places an unreasonable or disproportionately large load on the Service's infrastructure.

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: [email protected] 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:

• THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
• THE RESULTS, PROJECTIONS, ESTIMATES, OR CALCULATIONS OBTAINED FROM THE SERVICE WILL BE ACCURATE, RELIABLE, OR COMPLETE;
• ANY ERRORS OR DEFECTS IN THE SERVICE WILL BE CORRECTED;
• THE SERVICE WILL MEET YOUR SPECIFIC REQUIREMENTS OR EXPECTATIONS.

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:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES;
• ANY FINANCIAL LOSSES, INVESTMENT LOSSES, TAX LIABILITIES, OR PENALTIES ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE OR YOUR RELIANCE ON ANY PROJECTIONS, CALCULATIONS, ESTIMATES, OR OTHER OUTPUTS GENERATED BY THE SERVICE;
• ANY DAMAGES ARISING FROM YOUR FAILURE TO CONSULT A QUALIFIED PROFESSIONAL BEFORE MAKING FINANCIAL DECISIONS;
• ANY DAMAGES RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR ACCOUNT OR USER DATA;
• ANY DAMAGES ARISING FROM ERRORS, INACCURACIES, OR OMISSIONS IN USER DATA OR PROJECTIONS.

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 delete your Account through Account Settings or request deletion at [email protected]. Self-service deletion ends access immediately and initiates the Privacy Policy's deletion process; it does not preserve access through a billing period. Subscription cancellation, if applicable, is a separate action governed by the purchase terms. Deleting a Workplace Account does not delete a separate Personal Account, or vice versa. Deletion does not waive a refund already owed or a right that cannot be excluded by law.

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:

• You breach any provision of these Terms;
• You engage in conduct that the Company determines, in its sole discretion, is harmful to the Service, other users, or the Company;
• Your Account has been inactive for an extended period;
• The Company discontinues the Service or any part thereof.

13.3. Effect of Termination. Upon termination, your license and access end. Account deletion, temporary retention of identifiers, backup copies and applicable exceptions are described in Section 6 of the Privacy Policy. Ending access or temporarily suspending an Account is not the same as deleting it. Provisions that by their nature should survive remain applicable, including Sections 3, 8, 10, 11, 12, 14 and 15 and any refund obligation already owed.

13.4. Any refund entitlement is governed by the applicable purchase terms and law. This Section does not remove a refund already owed or a right that cannot be excluded by law.

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 [email protected]. 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 [email protected] 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. Where applicable law or the nature of a change requires affirmative acceptance, we will request it rather than treat continued use alone as acceptance. Otherwise, continued use after the notified effective date constitutes acceptance to the extent permitted by law. If you do not agree, stop using the Service and contact us about Account closure and data requests. A revised document does not rewrite the version recorded for an earlier acceptance.

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 may modify, suspend or discontinue the Service or its features, temporarily or permanently, subject to applicable law and any separately accepted purchase protections preserved in Section 6.3. Current beta access is governed by Sections 6 and 6A.

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 [email protected]. 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: [email protected]