Terms and Conditions of Use

Effective Date: June 2026
Last Updated: June 2026
Operator: Vadercom Limited (trading as RetirePlan)
Company No.: 7701620

Welcome to RetirePlan. These Terms and Conditions of Use ("Terms") govern your access to and use of the RetirePlan mobile application (iOS and Android), web application, and website at retireplan.co.uk (together, the "Service"), operated by Vadercom Limited ("we", "us", or "our").

By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. About RetirePlan

RetirePlan provides retirement lifestyle planning tools, financial projection calculators, personalised planning summaries, and educational content relating to retirement planning in the United Kingdom. The Service is designed to help you think about and plan for your future lifestyle and finances.

IMPORTANT: RetirePlan is not a regulated financial adviser and nothing within the Service constitutes regulated financial advice as defined by the Financial Services and Markets Act 2000 (FSMA). All tools, projections, Plan Summaries, and guidance are for informational and educational purposes only. You must seek advice from a qualified, FCA-authorised independent financial adviser before making any financial decisions.

2. Eligibility

• You must be at least 18 years of age to use RetirePlan.
• You must be resident in the United Kingdom or using the Service in connection with UK pension and retirement planning.
• By using the Service, you confirm you meet these eligibility requirements.
• We reserve the right to suspend or terminate accounts where eligibility cannot be confirmed.

3. Accounts and Security

Some features require you to create an account. Authentication is provided by Firebase Authentication (Google LLC), supporting Google Sign-In and Apple Sign-In.

• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activity that occurs under your account.
• If you use Apple Sign-In with email relay, please ensure your Apple ID settings allow us to contact you. We store your relay address at first sign-in.
• You must notify us immediately if you suspect unauthorised access to your account.
• We reserve the right to disable accounts at our discretion if these Terms are breached.

4. Free and Premium Services

4.1 Free Tier

Core features of RetirePlan, including the Lifestyle Designer and Finance Planner, are available free of charge. Free access may be subject to usage limits.

4.2 RetirePlan Premium

Enhanced features are available through a RetirePlan Premium subscription, including the Comprehensive Plan Summary, Ask the Expert service, scenario planning and secure cloud storage. Premium is available as:

• Monthly subscription: billed monthly at the published price.
• Annual subscription: billed annually at the published price.

Current pricing is displayed within the app and at retireplan.co.uk. Prices are inclusive of any applicable taxes.

4.3 Free Trial

We may offer a free trial period for Premium. At the end of the trial, your subscription will automatically convert to a paid subscription at the applicable rate unless you cancel before the trial ends. We will notify you of the trial duration and the price that will apply when you sign up.

4.4 Auto-Renewal and Cancellation

• Premium subscriptions auto-renew unless cancelled at least 24 hours before the end of the current billing period.
• To cancel, manage your subscription through the App Store (iOS), Google Play (Android), or your account settings (web/direct).
• Cancellation takes effect at the end of the current billing period; you retain Premium access until that date.
• We do not offer refunds for partial subscription periods, except where required by applicable law or as determined by Apple or Google under their own refund policies.

4.5 Price Changes

We may change subscription prices. We will provide at least 30 days' notice of any price increase before it applies to your renewal, via email or in-app notification.

5. Plan Summary

5.1 What the Plan Summary Is

The Plan Summary is a Premium feature that generates a personalised PDF document based on the financial and lifestyle data you have entered into the Finance Planner. It is produced using automated template-driven logic applied to your inputs.

5.2 Quota and Pricing

• Included quota: Premium subscribers receive 2 Plan Summaries included per 12-month period.
• Additional summaries: Further Plan Summaries can be purchased as an in-app purchase at the published price (currently £5.99 for a bundle of 2).
• Quota resets: Your included quota resets at each annual renewal date.

5.3 Important Limitations

The Plan Summary is an illustrative planning document only. It does not constitute financial advice, a suitability assessment, a pension transfer recommendation, or any other regulated output under FCA rules. Projections are based solely on the data you enter and the assumptions built into our models. Actual outcomes will differ. You should not rely on the Plan Summary as the basis for any financial decision without consulting an FCA-authorised adviser.

6. Ask the Expert

Ask the Expert is a Premium feature providing general pension and retirement planning guidance. The following limitations apply:

• Responses provide general information about UK pension rules, tax treatment, and retirement planning concepts. They do not take into account your full personal financial circumstances.
• Ask the Expert does not constitute regulated financial advice under FSMA. No response from Ask the Expert should be relied upon as a recommendation to take or refrain from any specific financial action.
• Response times are not guaranteed. The service operates on a reasonable-endeavours basis.
• We reserve the right to decline to answer questions that require regulated advice or that fall outside the scope of general pension guidance.
• This feature may be updated, modified, or temporarily unavailable during the service period.

7. Educational Use and Disclaimers

• All content, tools, calculators, projections, and Plan Summaries are for general information and educational purposes only.
• Figures produced by our calculators are illustrative. They are based on the data you enter and on our modelling assumptions. They are not a guarantee of future outcomes.
• Tax treatment, pension rules, and allowances are subject to change. We endeavour to keep our models up to date but cannot guarantee that all rules reflected in the Service are current at the time of your use.
• Nothing in the Service constitutes a personal recommendation to buy, sell, transfer, or otherwise deal in any financial product or pension.
• You should seek independent advice from an FCA-authorised financial adviser before making any significant financial or pension decision.

8. Acceptable Use

You agree to use the Service only for its intended purposes and in accordance with applicable law. You must not:

• Use the Service in any way that violates any applicable local, national, or international law or regulation.
• Attempt to gain unauthorised access to the Service, servers, databases, or related systems.
• Reverse engineer, decompile, or attempt to extract source code from the app.
• Use automated tools, bots, or scrapers to access or extract data from the Service.
• Provide false information when registering or using the Service.
• Upload or transmit any malicious code, virus, or harmful material.
• Use the Service to harass, harm, or impersonate any person.

9. Intellectual Property

All content, tools, code, design, brand elements, and materials within the Service are owned by or licensed to Vadercom Limited and are protected by copyright, trademark, and other intellectual property laws.

• You may not reproduce, distribute, modify, or create derivative works from any content without our prior written permission.
• Your personal planning data, as entered by you, remains yours. We do not claim ownership of it.
• RetirePlan and the RetirePlan logo are trading names and marks of Vadercom Limited.

10. Account Deletion and Data

You may request deletion of your account at any time by contacting privacy@retireplan.co.uk. Upon verified deletion:

• Your account and associated financial planning data will be deleted from Firestore within 30 days.
• Some data (e.g. payment records) may be retained for the period required by law.
• Deletion is irreversible. Unused Plan Summary quota and Premium entitlements are forfeited upon deletion.

Your right to erasure is governed by our Privacy Policy and UK GDPR. See our Privacy Policy for full details.

11. Suspension and Termination

We may suspend or terminate your access to the Service at our discretion, with or without notice, if:

• You breach these Terms.
• We reasonably believe your account has been compromised or is being used fraudulently.
• We are required to do so by law or regulatory authority.
• We discontinue the Service or a feature within it.

Where we terminate for reasons other than your breach, we will endeavour to provide reasonable notice and, where applicable, a pro-rata refund of unused prepaid subscription fees.

12. Limitation of Liability

To the fullest extent permitted by applicable law:

• We provide the Service on an "as is" and "as available" basis. We make no warranty that the Service will be uninterrupted, error-free, or meet your specific requirements.
• We exclude all liability for any loss or damage arising from your reliance on any content, projection, Plan Summary, or guidance produced by the Service.
• We exclude liability for indirect, consequential, special, exemplary, or punitive losses, including loss of profits, revenue, data, or goodwill.
• Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.
• Our total aggregate liability to you in connection with the Service shall not exceed the total amount paid by you in subscription fees in the 12 months preceding the claim.

13. Third-Party Services

The Service integrates with or links to third-party services including Firebase (Google), RevenueCat, Apple, Google Play, Stripe, Brevo, and BookFunnel. Your use of those services is governed by their own terms and privacy policies. We are not responsible for the content, availability, or practices of any third-party service.

14. Service Availability

We aim to make RetirePlan available at all times but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We will endeavour to provide advance notice of planned downtime where possible.

15. Privacy

Your personal data is handled in accordance with our Privacy Policy, which forms part of these Terms and is available at retireplan.co.uk/privacy-policy and within the app. By using the Service, you acknowledge that you have read and understood the Privacy Policy.

16. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will notify you via the app or by email at least 14 days before the changes take effect. Continued use of the Service after the effective date of updated Terms constitutes your acceptance of the revised Terms. If you do not accept the revised Terms, you must stop using the Service and cancel any active subscription.

17. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of England and Wales. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

18. Company Details and Contact

Operator: RetirePlan (a trading name of Vadercom Limited)
Company No.: 7701620
Registered address: Old Schoolhouse, 12b Chapel Street, Berkhamsted, Hertfordshire, HP4 2EA, UK.

General enquiries: hello@retireplan.co.uk
Privacy and data: privacy@retireplan.co.uk

Vadercom Limited — Registered in England and Wales, Company No. 7701620. RetirePlan does not provide regulated financial advice. Always consult an FCA-authorised adviser before making financial decisions.