Stochaven LLC · Effective Date: May 1, 2026 · Last Updated: May 29, 2026
These Terms of Service ("Terms") govern your access to and use of stochaven.com and the Stochaven retirement planning application (collectively, the "Service"), operated by Stochaven LLC ("Stochaven," "we," "our," or "us"). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
Stochaven is a retirement financial planning tool that allows users to model projected retirement income, account drawdowns, and related financial scenarios. The Service is available to any individual planning for retirement and includes dedicated support for modeling Federal Employees Retirement System (FERS) pension benefits alongside standard retirement planning features.
The Service provides projection modeling based on inputs you supply and on publicly available regulatory data (including IRS tax brackets, FERS benefit rules, and Social Security parameters). All outputs are mathematical projections based on user-provided assumptions.
Stochaven is not a registered investment advisor, broker-dealer, financial planner, or fiduciary. Nothing in the Service constitutes personalized financial, investment, tax, or legal advice. Projections are illustrative models and are not guarantees or predictions of future results. You should consult a qualified financial advisor, tax professional, or attorney before making any financial or retirement planning decisions.
To use the Service, you must:
By using the Service, you represent and warrant that you meet all eligibility requirements.
The Service is intended for use by residents of the United States. By using the Service, you represent and warrant that: (a) you are not located in a country subject to a U.S. government embargo; (b) you have not been designated by the U.S. government as a "terrorist-supporting" country; and (c) you are not listed on any U.S. government list of prohibited or restricted parties, including the U.S. Treasury Department's Specially Designated Nationals list or the U.S. Commerce Department's Denied Persons List.
The Service is designed and intended solely for individual personal retirement planning. The following are not eligible to subscribe to or use the Service:
By creating an account or subscribing to the Service, you represent and warrant that you are not using the Service in a professional capacity on behalf of any OCC-supervised institution or affiliate.
You may create an account using email authentication (passwordless sign-in via magic link or one-time code). You agree to provide accurate and complete information during registration and to keep your account information current.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at [email protected] if you suspect unauthorized access to your account. We are not liable for any loss or damage arising from your failure to maintain the security of your account.
Each account is for use by a single individual. You may not share your account credentials with others or create accounts on behalf of third parties without our written consent.
By creating an account, you agree to receive service-related communications from us, including account notices, security alerts, and product updates. You may opt out of non-essential marketing and product communications at any time by following the unsubscribe instructions in any such communication or by contacting us at [email protected]. Transactional and security-related messages (such as password resets and account notices) are not subject to opt-out.
Stochaven offers a free tier with access to core projection features as described on our pricing page. The free tier is subject to feature limitations that may change over time.
Stochaven may offer a 14-day free trial of paid-tier features for new accounts. No payment information is required to start a trial. At the end of the trial period, access to paid features will be revoked automatically — you will not be charged unless you actively subscribe to a paid plan. You do not need to cancel to avoid charges.
If you do not subscribe within 30 days of trial expiration, your account and all associated data will be permanently deleted in accordance with our Privacy Policy. You may subscribe at any time during this 30-day hold period to restore full access to your account and data.
Paid subscription plans provide access to additional features including (but not limited to) saved profiles, multi-scenario management, and household modeling. Subscription terms and included features will be described on our pricing page, when available. Paid subscriptions are expected to range from $8 to $12 per month; final pricing will be established before general availability.
Paid subscriptions are billed in advance on a monthly or annual basis, as selected at the time of purchase. All fees are in U.S. dollars. Payment processing details, including the identity of our payment processor and applicable third-party terms, will be finalized and disclosed before general availability. You authorize us to charge your payment method on a recurring basis until you cancel.
You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period; you will retain access to paid features through the end of the period for which you have paid. We do not provide prorated refunds for partial billing periods, except where required by applicable law.
If a scheduled payment fails, we will notify you by email. If the payment is not resolved within 7 days, your access to paid features will be suspended. If the payment issue is not resolved within 30 days of the original failed payment, your subscription will be canceled and your account will revert to the free tier.
We may change subscription pricing with at least 30 days' advance notice. Notice will be provided via email and/or a prominent notice within the Service. Continued use of a paid subscription after the effective date of a price change constitutes acceptance of the new pricing.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
You retain ownership of all financial inputs and scenario data you provide to the Service. By submitting data to the Service, you grant us a limited, non-exclusive license to store, process, and display that data solely for the purpose of providing the Service to you.
The accuracy of projections produced by the Service depends entirely on the accuracy of the inputs you provide. We are not responsible for projection errors resulting from inaccurate, incomplete, or outdated information you supply.
You acknowledge that outputs produced by the Service are mathematical projections based on assumptions and are subject to change as inputs, tax law, regulatory rules, and economic conditions change. You agree not to rely on Service outputs as a substitute for professional financial advice.
We may preserve or disclose information about you if we believe doing so is reasonably necessary to: (a) comply with applicable law, regulation, subpoena, or legal process; (b) enforce these Terms or investigate potential violations; (c) respond to claims that any data or content violates the rights of third parties; or (d) protect the rights, property, or personal safety of Stochaven, our users, or the public.
The Service, including its software, algorithms, design, text, graphics, and all other content, is owned by Stochaven and is protected by copyright, trade secret, and other intellectual property laws. These Terms do not grant you any rights to our intellectual property except the limited license to use the Service as described herein.
If you submit feedback, suggestions, or ideas about the Service, you grant us an irrevocable, royalty-free, worldwide license to use that feedback for any purpose without compensation to you.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING 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 PROJECTIONS PRODUCED BY THE SERVICE WILL BE ACCURATE OR COMPLETE. TAX LAWS, FEDERAL BENEFIT RULES, AND ECONOMIC CONDITIONS CHANGE FREQUENTLY; IT IS YOUR RESPONSIBILITY TO VERIFY THAT THE REGULATORY ASSUMPTIONS USED BY THE SERVICE ARE CURRENT AND APPLICABLE TO YOUR SITUATION.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, STOCHAVEN AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOST SAVINGS, LOSS OF DATA, OR DAMAGE ARISING FROM FINANCIAL DECISIONS MADE IN RELIANCE ON SERVICE OUTPUTS — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100.
Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages, so some of the above limitations may not apply to you.
You agree to defend, indemnify, and hold harmless Stochaven and its officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or third-party right; or (d) any financial decisions you make based on Service outputs.
You may delete your account at any time through your account settings or by contacting us at [email protected]. Deletion terminates your subscription (with access continuing through the end of the paid period) and initiates deletion of your data as described in our Privacy Policy.
We may suspend or terminate your access to the Service at any time, with or without notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or pose a risk to other users or the Service. For paid subscribers, we will provide a prorated refund of any prepaid amounts in the event of termination without cause.
Upon termination, your license to use the Service ends immediately. Sections 2 (disclaimer paragraph), 8, 9, 10, 11, and 13 survive termination.
These Terms are governed by the laws of the United States and the State of Virginia, without regard to conflict of law principles.
Before initiating any formal legal proceeding, you agree to contact us at [email protected] with a written description of your dispute, the relief you are seeking, and your contact information. We will attempt to resolve the dispute informally within 30 days of receiving your notice. You may not initiate arbitration until this informal resolution period has expired.
If a dispute is not resolved informally under §13.2, you and Stochaven agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service — including questions of arbitrability — will be resolved exclusively through binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, available at www.adr.org. Arbitration will be conducted in Fairfax County, Virginia, or, at your election, by telephone or video conference. The arbitrator may award any relief that a court could award, limited to what is available to an individual claimant under applicable law. Judgment on the arbitration award may be entered in any court of competent jurisdiction.
Exception — Small Claims Court: Either party may bring an individual claim in small claims court in lieu of arbitration, provided the claim qualifies under that court's jurisdictional limits.
Opt-Out: You may opt out of this arbitration agreement within 30 days of first creating your account by sending written notice to [email protected] with the subject line "Arbitration Opt-Out." If you opt out, disputes will be resolved in state or federal courts located in Fairfax County, Virginia, and you consent to personal jurisdiction in those courts.
YOU AND STOCHAVEN AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR CONSOLIDATED ACTION OR PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. If a court finds this class action waiver unenforceable with respect to a particular claim, that claim shall be severed from arbitration and may proceed in court; the remainder of the arbitration agreement in §13.3 remains in full effect.
Any claim arising out of or related to these Terms or the Service must be brought within one (1) year after the cause of action accrues. Claims not brought within this period are permanently barred, regardless of any applicable statute of limitations to the contrary.
Neither party will be liable for any failure or delay in performance under these Terms to the extent caused by circumstances beyond that party's reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, civil unrest, government actions, changes in law or regulation, internet or telecommunications failures, power outages, or failures of third-party infrastructure providers (including cloud hosting and database services). The affected party will use commercially reasonable efforts to mitigate the effects of such an event and resume normal performance as soon as reasonably practicable.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stochaven regarding your use of the Service and supersede all prior agreements.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
Our failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce it in the future.
We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. For material changes, we will provide notice via email or a prominent notice within the Service at least 14 days before the change takes effect. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.
For questions about these Terms, please contact us:
Stochaven LLC
Email: [email protected]