By using our Services, you confirm that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

We reserve the right to modify these Terms at any time. If we make changes, we will notify you by revising the "Last Updated" date at the top of these Terms. We encourage you to review these Terms periodically for any updates. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

NestBridge provides automated retirement planning calculation tools and projections, which may include, but are not limited to:

• Retirement Savings Projections: Estimating how your current savings and contributions may grow toward retirement based on your inputs and assumptions.
• Expense Management: Tracking your expenses using Plaid connectivity. Creating a budget plan to help you manage your expenses.
• Social Security Benefit Modeling: Tools to model how different Social Security claiming ages may affect your projected lifetime benefits based on your inputs.
• Retirement Withdrawal Scenario Modeling: Tools to model withdrawal scenarios and project how different withdrawal rates may affect your retirement savings over time.

NESTBRIDGE IS NOT A FINANCIAL ADVISOR OR FINANCIAL PLANNER. NESTBRIDGE IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, OR TAX ADVISER, AND IS NOT LICENSED AS A FINANCIAL ADVISER OR INVESTMENT ADVISER IN ANY STATE. NESTBRIDGE IS NOT LIABLE FOR ANY DECISIONS YOU MAKE BASED ON DATA OR INFORMATION DISPLAYED ON THIS PLATFORM.

All information, projections, and outputs provided through our Services are for educational and informational purposes only and are not intended to provide legal, tax, investment, or financial planning advice. None of the information provided should be construed as a solicitation, offer, or recommendation to buy or sell any security or take any specific financial action. You are responsible for your own financial decisions and should consult a qualified, licensed professional before making any financial decisions.

You agree to:

• Provide Accurate Information: You must provide accurate, current, and complete information during the account registration process.
• Maintain Confidentiality: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• Notify Us of Unauthorized Use: You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
• Use the Services Responsibly: You will not use the Services for any unlawful or prohibited purpose. You will not interfere with or disrupt the security, integrity, or performance of the Services.

We reserve the right to suspend or terminate your account and access to our Services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users of our Services, us, or third parties. You may terminate your account at any time by following the instructions in your account settings.

The Services are provided on an "as-is" and "as-available" basis. NestBridge does not guarantee that the Services will be uninterrupted or error-free. We disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose. We do not warrant the accuracy or reliability of any information provided through the Services.

By using the Services, you understand that: (a) all information is provided for educational purposes only and is not intended to provide legal, tax, investment, or financial planning advice; (b) NestBridge's AI technology may occasionally generate incorrect, incomplete, or misleading information and you should review and verify the accuracy of AI-generated information before relying on it; (c) you are responsible for your own financial decisions and NestBridge is only one of many tools you should use when making financial decisions; and (d) you should not rely on NestBridge as the primary basis of your financial decisions.

To the fullest extent permitted by law, NestBridge shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits or revenues, arising from or related to your use of the Services. In no event shall our total liability to you exceed the amount you paid to us, if any, for using the Services.

You agree to indemnify, defend, and hold harmless NestBridge, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Services or violation of these Terms.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in the State of Delaware.

If you have any questions about these Terms, please contact us at:

• Email: help@trackretirement.com

These Terms constitute the entire agreement between you and Track Retirement regarding your use of the Services and supersede any prior agreements between you and NestBridge regarding the same.

• User Content: If you submit any content to our Services, you grant us a worldwide, non-exclusive, royalty-free, perpetual, and fully sub licensable license to use, reproduce, modify, adapt such content.
• Third-Party Links: Our Services may contain links to third-party websites or services that are not owned or controlled by NestBridge. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
• Plaid Connectivity: By using our Services, you consent to the use of Plaid to connect your bank accounts. Plaid collects and stores your banking information in accordance with its privacy policy. We are not responsible for Plaid's practices, and we encourage you to review their privacy policy [ https://plaid.com/legal/#privacy-statement ] for more information on how your data is used and protected.