Terms of Service & Disclaimer

Last updated: August 3, 2026

In short: Answered is a self-service estimating tool, not financial, tax, legal, or investment advice. Every number it shows you is a projection based only on figures you typed in yourself. Don't make major financial decisions based solely on this tool - talk to a qualified professional first.

These Terms of Service ("Terms") are a legal agreement between you and Answered LLC ("Answered," "we," "us," or "our") governing your use of the Answered website and application (the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. What Answered Is (and Is Not)

Answered is a calculator and estimating tool. It lets you manually enter information about your own income, bills, debts, and retirement goals, and shows you projections - such as estimated debt payoff dates or retirement readiness - based entirely on the numbers and assumptions you provide.

Answered is not a bank, broker-dealer, investment adviser, financial planner, accountant, or law firm, and nothing in the Service constitutes financial, tax, legal, investment, or retirement advice. We do not review, verify, or guarantee the accuracy of any figure you enter, and we do not know your complete financial picture. All results are illustrative estimates only, are not guarantees of any future outcome, and may differ substantially from your actual results due to assumptions, rounding, changes in your circumstances, interest rate changes, market conditions, or errors in the data you entered.

2. No Reliance / Consult a Professional

You agree that you are solely responsible for any financial, retirement, or other decisions you make, whether or not informed by the Service. Before making any significant financial decision, you should consult a licensed financial advisor, accountant, or attorney. You agree not to rely on the Service as your sole basis for any such decision.

3. Your Data

Answered does not connect to your bank, credit card, or brokerage accounts, and never asks for account numbers, routing numbers, card numbers, Social Security numbers, or similar sensitive identifiers. All financial figures are typed in manually by you.
We store the email address and password you use to log in (via Amazon Cognito, encrypted), the financial estimate figures you choose to save, and your subscription status. This data is encrypted at rest and in transit.
We do not sell your data. We do not share the figures you enter with any third party except as needed to operate the Service (for example, our cloud hosting provider) or as required by law.
You may delete your account and associated data at any time by contacting us at support@myanswered.com.

4. Accounts

You must be at least 18 years old to create an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us promptly of any unauthorized use.

5. Subscriptions & Billing

Answered is offered on a subscription basis: $4.99/month or $49.99/year, billed in advance and auto-renewing until you cancel.
Payments are processed by Square, a third-party payment processor. Your payment information is handled entirely by Square under Square's own terms and privacy policy - we do not receive or store your card details.
You may cancel your subscription at any time, directly from the Settings tab within the app or by contacting us. Cancellation takes effect at the end of the current billing period, and access continues until then. Payments are non-refundable except where required by law.
We may change subscription pricing with reasonable advance notice; continued use after a price change takes effect constitutes acceptance of the new price.

6. Acceptable Use

You agree not to misuse the Service, including by attempting to access another user's data, reverse-engineering the Service, or using it for any unlawful purpose.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY ESTIMATE, PROJECTION, OR CALCULATION WILL BE ACCURATE OR SUITABLE FOR YOUR PURPOSES.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANSWERED LLC AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, SAVINGS, OR DATA, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE OR ANY DECISION MADE IN RELIANCE ON ANY ESTIMATE OR PROJECTION IT PRODUCES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE.

9. Indemnification

You agree to indemnify and hold harmless Answered LLC from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of the Service or violation of these Terms.

10. Termination

We may suspend or terminate your access to the Service at any time, with or without cause. You may stop using the Service and cancel your subscription at any time.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after a change takes effect constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to conflict of law principles.

13. Contact

Questions about these Terms? Contact us at support@myanswered.com.