Terms of Service
Last updated: 28 July 2026
1. About these terms
These terms govern your use of the Retirement Runner mobile app and website at retirementrunner.com, operated by Retirement Runner Ltd ("we", "us", "our").
By using the app, you agree to these terms. If you do not agree, do not use the service.
2. Not financial advice
Retirement Runner is a planning and tracking tool, not a financial adviser.
Nothing in the app or on our website constitutes financial advice, tax advice, or a recommendation to take any specific course of action. Projections, annual plan outputs, and tax estimates are illustrative figures based on the information you enter and general assumptions. They do not account for your full personal circumstances and will differ from actual outcomes.
You are solely responsible for your financial decisions. If you need personalised financial or tax advice, please consult a qualified professional regulated by the Financial Conduct Authority (FCA) or HMRC.
3. Eligibility
You must be 18 or older to use Retirement Runner. By using the app, you confirm you meet this requirement.
4. Subscriptions
Certain features of the app require an active paid subscription, purchased through Apple App Store or Google Play Store. Subscription status is verified on-device via your App Store or Play Store receipt; no account registration is required.
Subscriptions, billing, renewals, and cancellations are governed by Apple's or Google's applicable terms. Refund requests must be made through the relevant app store.
A free trial may be offered to first-time subscribers; if so, the subscription begins at the end of the trial period unless cancelled beforehand.
We may add, modify, or remove features over time. Where a change materially affects paid subscription features, we will give reasonable notice via the app.
5. Your plan data
All plan data is stored locally on your device. We have no access to your plan data and it is never transmitted to us. Your device may back up app data automatically (for example, iCloud on iOS or Google One on Android); this is governed by your device settings and your agreement with Apple or Google.
You can also back up or share your plan manually using the app's backup/share feature, allowing you to save or share a copy of your plan file independently.
We encourage you to keep your plan backed up, as uninstalling the app will permanently delete all locally stored plan data.
6. Support
We offer best-efforts support to all users via the in-app support form or by emailing [email protected]. We aim to respond as promptly as we can.
When you contact us, you provide your email address voluntarily so that we can reply. See our Privacy Notice for details of how we handle support correspondence.
7. Acceptable use
You agree not to:
- Use the app for any unlawful purpose
- Attempt to access, probe, or disrupt our systems or infrastructure
- Reverse engineer, decompile, or extract source code from the app
- Upload or transmit malicious code or content
8. Intellectual property
All content, software, design, and branding in the app and on our website are owned by or licensed to Retirement Runner Ltd. You may not reproduce, distribute, or create derivative works without our written permission.
9. Disclaimers
To the maximum extent permitted by law:
- The service is provided "as is" without warranties of any kind
- Projections and tax estimates are illustrative; actual outcomes will differ
- We do not warrant that the app will be uninterrupted or error-free
Nothing in these terms excludes liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded under UK law.
10. Limitation of liability
To the extent permitted by law, our total liability to you for any claim arising from your use of the service is limited to the amount you paid us (excluding app store fees) in the 12 months preceding the claim.
We are not liable for indirect, consequential, or financial losses arising from reliance on projections or estimates produced by the app.
11. Termination
You may cancel your subscription at any time through the relevant app store. Removing the app from your device will permanently delete all locally stored plan data.
We may suspend or terminate your access to paid features if you breach these terms, with or without notice depending on the severity of the breach.
12. Changes to these terms
We will notify you of material changes via the app at least 14 days before they take effect. Continued use after that date constitutes acceptance. If you do not accept the new terms, you may remove the app from your device before they take effect.
13. Governing law
These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.
14. Contact
Retirement Runner Ltd
71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ
Company number: 17301444