1. Agreement
By creating an account or using Easy Roth ("we", "us", "the service"), you agree to these Terms. If you do not agree, do not use the service.
2. What the service is
Easy Roth is software that models Roth conversion scenarios using 2026 federal tax assumptions and limited state rules. It is a planning and education tool only. It is not a financial advisor, accountant, or law firm.
3. Not professional advice
Outputs are educational estimates, not tax, legal, accounting, or investment advice, and no advisor client, fiduciary, or other professional relationship is created by using the service. You, and any professional you work with, remain solely responsible for any decision made.
4. Accuracy, assumptions, and AI
Results depend on assumptions and on tax data that can change, and the AI features (statement reading and the assistants) can produce errors. You must verify every figure against original documents and a qualified tax professional before acting. State income tax is modeled in detail only for New Jersey and Pennsylvania; for other states the federal and IRMAA results are complete while state tax is shown as $0 and flagged in the plan.
5. Your responsibilities
You agree to provide accurate information, to keep your login credentials secure, and to confirm you have the right to enter any client information you submit. You are responsible for complying with the laws and regulations that apply to your practice, including how you advise your own clients.
6. Subscriptions and billing
Paid plans are billed in advance at $19.99 per month or $199 per year and renew automatically on each billing anniversary date until you cancel. By subscribing you authorize these recurring charges to your payment method.
7. Refund policy
Once a billing period renews and its anniversary date has passed, the charge for that period is final and non-refundable. You may cancel at any time to stop future renewals. Cancellation ends future billing but does not refund the current billing period or any prior period, and you keep access through the end of the period already paid for.
8. Price changes, suspension, and termination
We may change pricing with notice before your next renewal. You may cancel at any time. We may suspend or end accounts for non payment, misuse, or violation of these Terms.
9. Acceptable use and intellectual property
The service and its content are owned by us, and you receive a limited, non transferable right to use it. You agree not to copy, resell, reverse engineer, scrape, or use the service unlawfully.
10. No warranty
The service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including accuracy, merchantability, or fitness for a particular purpose.
11. Limitation of liability
To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages, or for any taxes, penalties, or losses arising from your use of or reliance on the service. Our total liability will not exceed the amount you paid us in the twelve months before the claim.
12. Indemnification
You agree to indemnify and hold us harmless from claims arising out of your use of the service or any advice you provide to others using it.
13. Changes and governing law
We may update these Terms, and continued use means you accept the updated version. These Terms are governed by the laws of the State of New Jersey. Questions: support@easyroth.com.