Effective date: July 6, 2026 · Last updated: October 26, 2026
These Terms of Service (“Terms”) are a legal agreement between you and LifeFlow LLC, a Vermont limited liability company (“LifeFlow,” “we,” “us,” or “our”). They govern your access to and use of the LifeFlow website and application (the “Service”).
By creating an account or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.
LifeFlow is a personal finance and life-planning tool. You enter information about your income, expenses, assets, debts, and goals, and the Service produces net-worth projections, a “freedom year” estimate, and related insights (including optional AI-assisted guidance) to help you understand and plan your finances. The Service is an informational and organizational tool.
LifeFlow does not provide financial, investment, tax, legal, or accounting advice, and we are not your financial advisor, broker, or fiduciary. All projections, forecasts, and figures — including net worth, the “freedom year,” retirement estimates, and any AI-generated insights — are illustrative estimates for educational purposes only. They are based on the information you enter and on simplified assumptions, and they are not guarantees of future results.
Your actual results will differ. Do not rely on the Service as the sole basis for any financial decision. Always consult a qualified professional (such as a licensed financial advisor, accountant, or attorney) before making decisions about your money. You are solely responsible for your financial decisions.
You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements.
To use most features, you must create an account. You agree to provide accurate information and to keep it up to date. You are responsible for:
As between you and LifeFlow, you own the data you enter. You grant us a limited license to host, process, and display that data solely to operate and improve the Service and to provide the features you request (including generating projections and, if you use them, AI-assisted insights). Our handling of your personal data is described in our Privacy Policy.
Certain features are offered through a paid subscription (“Premium”). Premium is offered as a monthly plan and an annual plan. Current prices are shown before you pay. By subscribing, you authorize us and Stripe to charge your payment method the applicable fees, plus any taxes.
Free trial. New accounts get 14 days of Premium free, with no card required. When the trial ends, your account moves to the free plan unless you subscribe. Your plan and data stay either way.
Subscribing during your trial. If you subscribe while your free trial is still running, your first charge happens when the trial ends (or 48 hours after you subscribe, if that's later). Cancel in Settings before then and you won't be charged.
Renewal. Paid plans renew automatically, monthly or yearly, at the price shown when you subscribed, until you cancel. You can cancel anytime in Settings. Cancellation takes effect at the end of the period you've paid for, and you keep Premium until then. For yearly plans, we'll email you before each renewal.
Price and plan changes. If we change your plan's price or what it includes, we'll email you at least 7 days before the change takes effect, with how to cancel.
Refunds. Payments are non-refundable, except where the law requires a refund.
Failed payments. If a payment fails, we'll try your card again for up to 2 weeks, and you keep Premium while we do. If it still doesn't go through, your paid plan ends and you move to the free plan.
You agree not to:
The Service — including its software, design, text, graphics, and logos — is owned by LifeFlow LLC or its licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use in accordance with these Terms. All rights not expressly granted are reserved.
The Service relies on third-party providers (including Supabase, Stripe, Resend, Anthropic, Vercel, and Sentry). Your use of features that depend on these providers may also be subject to their terms, and we are not responsible for their acts or omissions.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any projection or estimate will be accurate.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIFEFLOW LLC AND ITS OWNERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE OR ANY FINANCIAL DECISION MADE IN RELIANCE ON IT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (a) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (b) USD $100. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
You agree to indemnify and hold harmless LifeFlow LLC and its owners and employees from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your misuse of the Service, your violation of these Terms, or your violation of any law or the rights of a third party.
You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or to protect the Service or other users. Upon termination, your right to use the Service ends; sections that by their nature should survive (including Sections 3, 6, and 10 through 14) will continue to apply.
These Terms are governed by the laws of the State of Vermont, United States, without regard to its conflict-of-laws rules. You agree that the state and federal courts located in Vermont will have exclusive jurisdiction over any dispute arising from these Terms or the Service, and you consent to venue there. Before filing a claim, you agree to first contact us at support@getlifeflow.com so we can try to resolve it informally.
We may update these Terms from time to time. When we make material changes, we will update the “Last updated” date above and, where appropriate, provide additional notice. Your continued use of the Service after an update means you accept the revised Terms.
These Terms and the Privacy Policy are the entire agreement between you and LifeFlow regarding the Service. If any provision is found unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
Questions about these Terms can be sent to support@getlifeflow.com.