Terms of Use

Last updated: October 6, 2026

Educational content only

Everything on Cynthia Builds — including the Retire Early Calculator — is for general educational and informational purposes. It is not financial, investment, tax, or legal advice, and we are not acting as your financial advisor.

No guarantees

Calculator results are estimates based on the assumptions you enter. Real outcomes vary with market returns, taxes, fees, inflation, pensions, CPP / Social Security, and personal circumstances. Past or projected performance does not guarantee future results. Always do your own research and consider speaking with a qualified professional before making financial decisions.

Purchases

Paid products are sold through Stripe, which processes your payment. Prices are in Canadian dollars; Stripe may show you the price in your local currency. Your files are available on your order page as soon as your payment goes through.

Templates are licensed for your own personal use; please don’t share, resell, or redistribute them.

Refunds

Not happy with something you bought? Email me at [email protected] within 30 days of your purchase and I’ll refund it, no questions asked. The refund is the price you paid minus the payment processing fee (usually under $1), which the payment processor keeps. If a file doesn’t work, tell me first and I’ll fix it.

Use of the site

You may use this site for personal, non-commercial purposes. Please don’t copy, resell, or misuse the tools or content without permission.

Contact

Questions? Email [email protected].