Terms of Service

1. Acceptance of Terms

By accessing and using WhereToFIRE.com ("the Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Educational Purpose Only

The Site provides financial calculators and information for educational and informational purposes only. The Site does not provide financial, tax, legal, immigration, or investment advice.

All calculations, projections, and estimates are hypothetical and based on assumptions that may not reflect your actual situation. Results should not be relied upon for making financial decisions.

3. No Professional Advice

Nothing on this Site constitutes professional financial, tax, legal, or immigration advice. The information provided:

• Is general in nature and may not apply to your specific circumstances
• May be outdated, incomplete, or inaccurate
• Should not replace consultation with qualified professionals
• Does not create any professional-client relationship

Always consult with qualified financial advisors, tax professionals, and immigration lawyers before making any decisions based on information from this Site.

4. Accuracy of Information

While we strive to provide accurate information, we make no guarantees regarding:

• Tax rates, brackets, or regulations (which change frequently)
• Cost of living indices and comparisons
• Currency exchange rates
• Visa and immigration requirements
• Pension and social security information
• Healthcare costs and availability
• Any calculations or projections generated by the Site

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WHERETOFIRE.COM AND ITS OWNERS, OPERATORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON ANY INFORMATION PROVIDED.

This includes, but is not limited to, damages arising from:

• Financial losses from investment or relocation decisions
• Tax penalties or unexpected tax obligations
• Immigration issues or visa denials
• Errors or inaccuracies in calculations
• Changes in laws, regulations, or market conditions

6. No Warranty

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

7. User Responsibilities

You agree to:

• Use the Site only for lawful purposes
• Verify all information independently before making decisions
• Consult qualified professionals for personalized advice
• Not rely solely on the Site for financial planning

8. Intellectual Property

All content on this Site, including text, graphics, logos, and software, is the property of WhereToFIRE.com or its content suppliers and is protected by intellectual property laws.

9. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party sites.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Site after changes constitutes acceptance of the modified Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ireland, without regard to conflict of law principles.

12. Contact

For questions about these Terms, please contact us through the Site.