Terms of Use

Welcome to Downshift. By using this website, you agree to these terms. They're short and we've tried to keep them readable.

Educational purpose only

Everything on this site — calculators, tools, guides, and articles — is educational information and general planning estimates. It is not individualized investment, tax, accounting, insurance, or legal advice, and it is not an offer or recommendation to buy or sell any financial product. Calculations rely on the assumptions shown and on figures that change over time, and they may not reflect every rule or your complete situation. Before acting on anything here, consult qualified professionals who can review your specific circumstances.

No guarantees

We work hard to keep formulas correct and figures current, but the site is provided "as is," without warranties of any kind, express or implied. We do not guarantee accuracy, completeness, or fitness for a particular purpose, and past or projected figures never guarantee future results. To the fullest extent permitted by law, Downshift and its operators are not liable for decisions made or actions taken in reliance on this site, or for indirect, incidental, or consequential damages arising from its use.

Acceptable use

You may use the site for personal, non-commercial purposes. You agree not to scrape at volumes that impair the service, attempt to breach its security, misrepresent your identity in forms, or republish substantial portions of the content without permission. Brief quotes with a link and attribution are welcome.

Intellectual property

The site's content, design, and code are owned by Downshift or its licensors and are protected by applicable law. The Downshift name and logo may not be used without written permission.

Third-party links

Links to government resources and other third-party sites are provided for convenience. We don't control those sites and aren't responsible for their content or policies.

Changes

We may update these terms and will change the date above when we do. Continued use of the site after changes means you accept the updated terms.

Contact

Questions about these terms: use the contact form. See also our privacy policy and disclosures.