Terms of Use

1. Acceptance of terms

By accessing or using shouldiquitnow.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site. These terms are governed by the laws of the State of Israel and applicable international law.

2. Description of service

Should I Quit Now? is a free, browser-based retirement planning calculator provided by Optimus Global Solutions ("we," "us," "our"), Tel-Aviv, Israel. The Site provides:

• Interactive retirement income and portfolio projections
• Social Security claiming strategy analysis (US mode)
• Generic investment-only calculator (any country)
• Educational blog content about retirement planning

3. No financial advice

The Site does not provide financial, investment, tax, or legal advice. All calculations, projections, and results are for informational and educational purposes only. They are based on general financial formulas, publicly available 2025 regulations, and assumptions that may not apply to your individual circumstances.

Retirement planning involves complex, individual factors including (but not limited to): tax laws varying by jurisdiction and changing year to year, personal health and longevity, estate planning, business income, international assets, and Social Security law changes. Consult a qualified, licensed Certified Financial Planner (CFP) or equivalent before making any financial decisions.

4. Accuracy and limitations

We strive to keep calculations accurate and regulations up to date, but we make no guarantees of accuracy, completeness, or fitness for a particular purpose. Key limitations include:

• Social Security rules may change — the calculator reflects 2025 rules as of May 10, 2025
• Tax calculations are simplified estimates; the state tax notes are advisory only, not a tax engine
• Investment returns are hypothetical; past performance does not guarantee future results
• Life expectancy projections are statistical averages, not individual predictions
• The Generic mode applies universal principles without country-specific regulations

5. No warranty

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS.

6. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OPTIMUS GLOBAL SOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE SITE OR RELIANCE ON ITS OUTPUTS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED $100 USD.

7. Intellectual property

All content, code, design, charts, and text on this Site are owned by or licensed to Optimus Global Solutions. You may use the Site for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works without prior written permission.

8. Third-party content

Blog articles and educational content may reference third-party research, government data, or published studies. We link to sources where possible but are not responsible for the accuracy of third-party content or websites we link to.

9. Prohibited uses

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to reverse-engineer, scrape, or copy the Site at scale without permission
• Represent the Site's outputs as professional financial advice
• Use the Site to mislead others about their financial situation

10. Changes to terms

We reserve the right to update these terms at any time. Changes are effective when posted. Continued use of the Site after changes constitutes acceptance.

11. Contact

Questions about these terms? Contact Optimus Global Solutions via LinkedIn.