Acceptance of terms
By accessing or using pivotreset.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use the Site. We reserve the right to modify these terms at any time. Your continued use of the Site after any changes constitutes acceptance of the modified terms.
Not financial, legal, or tax advice
This is the most important section of these terms. PivotReset provides educational financial content, interactive decision tools, and planning tools for informational purposes only. Nothing on this Site constitutes personal financial advice, legal advice, tax advice, investment advice, insurance advice, or any other professional advice.
The information on this Site is general in nature and may not apply to your specific circumstances. Financial decisions during major life events — including divorce, job loss, retirement, and family changes — involve complex considerations that require professional guidance tailored to your individual situation.
You should consult with qualified professionals before making financial decisions, including a Certified Financial Planner (CFP) for financial planning, a licensed attorney for legal matters, a Certified Public Accountant (CPA) for tax guidance, a licensed insurance agent for insurance decisions, and a Certified Divorce Financial Analyst (CDFA) for divorce-related financial planning.
PivotReset is not a registered investment advisor, broker-dealer, financial planner, tax advisor, or legal firm. No fiduciary relationship is created between PivotReset and any user of this Site.
Decision tool disclaimer
Our decision tools, simulators, Recovery Path, and other interactive tools provide estimates based on the information you input and general assumptions about financial markets, tax rates, and economic conditions. These estimates are for educational and illustrative purposes only and should not be relied upon as the basis for financial decisions.
Decision tool results may differ significantly from actual outcomes due to changes in tax laws and regulations, market performance and economic conditions, individual factors not captured by the tool, state-specific laws and regulations, and errors in user-provided inputs. We make reasonable efforts to ensure decision tool accuracy but do not guarantee that results are error-free, complete, or current.
Benchmark and statistical data
The benchmark data, statistics, and research citations on this Site are sourced from federal agencies (Bureau of Labor Statistics, Federal Reserve, Consumer Financial Protection Bureau, Census Bureau, IRS), academic journals, and industry research organizations. We cite sources for all statistical claims. While we strive for accuracy, we do not independently verify every data point from third-party sources. Data may become outdated as new research is published. Our presentation of research data does not constitute an endorsement of any methodology or conclusion.
User accounts and data
Certain features of the Site may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate and complete information when creating an account, notify us immediately of any unauthorized use, and not share your account with others. We reserve the right to suspend or terminate accounts that violate these terms.
Intellectual property
All content on the Site — including text, graphics, logos, icons, images, audio clips, data compilations, software, and the compilation thereof — is the property of PivotReset or its content suppliers and is protected by United States and international copyright laws. You may access and use the Site for your personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any content from the Site without our prior written consent, except that you may print or download one copy of a reasonable number of pages for your personal, non-commercial use, provided you do not modify the content and retain all copyright and proprietary notices.
Affiliate links and third-party services
The Site may contain links to third-party websites and services, including financial service providers with whom we have affiliate relationships. When you click an affiliate link and make a purchase or sign up for a service, we may receive compensation. This compensation does not influence our editorial content or recommendations. We are not responsible for the content, privacy practices, or terms of any third-party website. Your interactions with third-party services are solely between you and the third party. We encourage you to review the terms and privacy policies of any third-party service before use.
Limitation of liability
To the fullest extent permitted by applicable law, PivotReset and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of (or inability to access or use) the Site, any conduct or content of any third party on the Site, any content obtained from the Site, and unauthorized access, use, or alteration of your transmissions or content. In no event shall our total liability exceed the amount you paid us, if any, for access to the Site during the twelve months preceding the claim.
Disclaimer of warranties
The Site and all content, tools, and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. We do not warrant that the Site will function uninterrupted, secure, or error-free, that results obtained from using the Site will be accurate or reliable, or that defects will be corrected.
Indemnification
You agree to indemnify, defend, and hold harmless PivotReset and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use, your use of the Site, or your violation of any rights of a third party.
Governing law
These Terms of Use shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any dispute arising from these terms or your use of the Site shall be resolved exclusively in the courts of competent jurisdiction.
Severability
If any provision of these Terms of Use is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Contact us
If you have questions about these Terms of Use, contact us at:
PivotReset
Email: legal@pivotreset.com
Website: pivotreset.com