Terms of Use

Last updated: May 26, 2026

These Terms of Use apply to the Data by Kevin website, retirement planner, free preview, sample reports, paid personalized reports, portfolio tools, and related content. By using the website or purchasing a report, you agree to these terms.

1. Use of the website

You may use the website for personal educational and informational purposes. You agree to use the website lawfully, responsibly, and in a way that does not interfere with the operation, security, or availability of the website.

2. Accounts and access

Some features may require a user account. You are responsible for keeping your login credentials secure and for all activity under your account. You agree to provide accurate information when creating an account, purchasing a report, or using planner features.

3. Paid personalized report

Data by Kevin may offer a one-time personalized retirement and portfolio decision-support report generated from user-provided assumptions. The report is a digital product intended for educational and informational use only.

The quality and relevance of the report depend on the assumptions entered by the user. You are responsible for reviewing your own inputs and understanding that different assumptions can materially change the results.

4. Payment and access

Payments are processed through Stripe. Data by Kevin does not directly store full credit card numbers or card security codes. Paid access is granted after successful checkout confirmation.

Prices, features, access periods, and report contents may change over time. Any current paid offer will be described on the relevant checkout or product page at the time of purchase.

5. Refunds

Refunds are governed by the Refund Policy posted on this website. Because the report is a personalized digital product generated from user-provided assumptions, purchases are generally final once checkout is completed and report/planner access has been delivered.

6. Educational use only

The website, tools, charts, simulations, sample reports, paid reports, tax-aware illustrations, portfolio assumptions, and model outputs are for educational and informational purposes only. They are not a substitute for advice from qualified professionals who understand your full financial, tax, legal, and personal circumstances.

7. No professional advice or advisory relationship

Use of the website or purchase of a report does not create a financial advisor, investment advisor, tax advisor, accountant, lawyer, fiduciary, planner-client, or professional advisory relationship with Data by Kevin.

Data by Kevin does not recommend that you buy, sell, hold, or avoid any security, fund, asset class, investment strategy, retirement strategy, tax strategy, or withdrawal strategy.

8. Projections and assumptions

Projections, Monte Carlo simulations, success rates, estimated ending assets, downside paths, sensitivity results, portfolio risk/return assumptions, and tax-aware outputs are estimates only. Actual results may differ materially due to market performance, inflation, tax changes, spending changes, personal circumstances, data limitations, model limitations, and future events.

9. Third-party data and links

The website may use or reference third-party data, market data, external websites, payment services, or other resources. Data by Kevin does not guarantee the accuracy, completeness, timeliness, availability, or continued operation of third-party data or services.

10. Acceptable use

You agree not to misuse the website, including by attempting to disrupt the service, bypass access controls, scrape or copy large portions of the site, reverse engineer protected functionality, upload malicious code, access another user’s account, or use the site for unlawful purposes.

11. Intellectual property

The website design, written content, report format, model explanations, charts, code structure, branding, and related materials are owned by Data by Kevin or used with permission, unless otherwise stated. You may use generated reports for your own personal planning and educational review, but you may not resell, redistribute, or commercially exploit website content or report templates without permission.

12. Availability and changes

Data by Kevin may update, modify, suspend, or discontinue parts of the website, planner, reports, pricing, features, or access model at any time. The website may occasionally be unavailable due to maintenance, technical issues, hosting issues, third-party service interruptions, or other causes.

13. Limitation of responsibility

To the fullest extent permitted by law, Data by Kevin is not responsible for losses, damages, claims, costs, or decisions arising from use of the website, planner, reports, assumptions, projections, third-party data, external links, payment services, or user-entered information.

14. Privacy

Use of the website is also subject to the Privacy Policy, which explains what information may be collected, how it may be used, and how users can contact Data by Kevin about privacy-related questions.

15. Changes to these terms

These Terms of Use may be updated as the website, tools, paid report workflow, payment processing, or access model changes. The version posted on this page is the current version.

16. Contact

For questions about these terms, payment/access issues, or account support, contact:

kimoon.cho321@gmail.com