Back to Calculator

Terms of Use

Last Updated: February 2026

1. Acceptance of Terms

By accessing and using the Metals Retirement Audit ("Service"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Service. This Service is intended primarily for users located in the United States.

2. Educational Purpose Only

IMPORTANT: The Metals Retirement Audit and all associated content are provided for educational and informational purposes only. This Service does not constitute:

  • Financial advice
  • Investment advice
  • Tax advice
  • Legal advice
  • A recommendation to buy, sell, or hold any securities or financial products

Always consult with qualified financial, tax, and legal professionals before making any investment or retirement planning decisions. Use of this Service does not create any fiduciary, advisory, or client relationship between you and Metals Retirement Audit.

3. Calculator Limitations

The calculations provided by our tool are based on:

  • Hypothetical inflation rate assumptions (historical averages and stress test scenarios)
  • Historical average returns for various asset classes, which may not reflect future performance
  • Simplified models that do not account for all factors affecting retirement savings

Past performance does not guarantee future results. Actual inflation rates, investment returns, and purchasing power changes may vary significantly from our projections.

4. Affiliate Relationships

We maintain affiliate relationships with various financial service providers. When you request information or resources through our Service, we may receive compensation from our affiliate partners.

These affiliate relationships may influence which partners we recommend, though we strive to connect users with reputable providers that may be appropriate for their stated needs and preferences.

5. User Responsibilities

You must be at least 18 years old and legally capable of making your own financial decisions to use this Service. By using our Service, you agree to:

  • Provide accurate information when using our calculator
  • Use the Service only for lawful purposes
  • Not attempt to interfere with the proper functioning of the Service
  • Conduct your own research before making financial decisions

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any defects will be corrected.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

We are not responsible for any financial losses you may incur as a result of using our calculator or acting on information provided through our Service.

8. Investment Risks

All investments involve risk, including potential loss of principal. Precious metals investments are subject to price volatility, storage costs, and other risks. The value of precious metals can decrease as well as increase.

There is no guarantee that any investment strategy will achieve its objectives or prevent losses.

9. Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting. Your continued use of the Service after changes constitutes acceptance of the modified terms.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Delaware.

11. Contact Information

If you have questions about these Terms of Use, please contact us at:

Email: [email protected]