Terms of sale and use

Who you are dealing with

Torsalis is made and sold by Buchanan Consulting LLC, doing business as Torsalis, of 5753 Hwy 85 N #5096, Crestview, FL 32536. You can reach a human at rachel@integralayer.io. In these terms, "we" means that company and "you" means the person using Torsalis.

The free planner

The planner at torsalis.com/try is free to use. There is no account, no sign-up and no time limit, and every feature that produces an answer is included. It runs entirely inside your browser: the figures you type are never sent to us. Your work-in-progress is kept in your own browser's storage so a refresh doesn't lose it, and clearing your browser data clears it.

We offer the free planner as-is. We may change it or stop offering it. Because none of your data is on our side, nothing of yours is lost if we do.

What $99 buys

You buy one file: a single self-contained HTML page that is the complete planner, plus the four things the free version deliberately leaves out — saving a plan, exporting the table, printing or making a PDF, and creating a share link.

You get a personal, perpetual, worldwide licence to use that file on any machine you own, for your own planning or your household's. It is not a subscription, it does not expire, and it does not check in with a server. You may keep copies and back it up.

You may not resell it, publish it, or distribute it to other people. Every copy is stamped with the buyer's name, email and order number, in the page and in the print header, so a copy that circulates is traceable to the order that bought it. Removing the stamp is a breach of these terms.

Updates are free. When a new version is published, your original download link gets it. We don't promise updates forever, but we will never expire the version you have.

Payment and tax

Payment is handled by Polar Software Inc., who act as the merchant of record. That means Polar is the seller on your receipt, and Polar collects and remits VAT, GST or sales tax where it is due. Their terms apply to the payment itself; these terms apply to the software. We never see or store your card details.

Refunds

One honest caveat for buyers in the EU and UK: downloading digital content immediately waives the statutory right of withdrawal, and by downloading the file you agree to that and acknowledge it. Our own fourteen-day policy above is offered anyway and is not affected by it. This is also exactly why the whole planner is free to use before you pay — please use it first.

This is not financial advice

Torsalis is a calculator. It projects arithmetic forward from assumptions you enter. It does not know your circumstances, it does not recommend buying or selling anything, and using it does not create an advisory or fiduciary relationship of any kind. We are not a registered investment adviser, broker-dealer, tax adviser or accountant.

Projections are hypothetical and are not a prediction of any actual outcome. Real markets, real tax law and your real life will all differ. The methodology page states the known simplifications plainly — no progressive brackets, no RMDs, IRMAA or ACA modeling, no Social Security taxation rules, a single state rate, and growth applied once a year. Decisions about your money are yours, and we'd encourage you to check them with a professional who knows your situation.

No warranty, and what we are liable for

The software is provided "as is", without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that it is free of errors.

To the fullest extent the law allows, our total liability to you for any claim arising out of Torsalis is limited to the amount you actually paid us, and we are not liable for indirect, incidental, special or consequential losses, including lost profits or investment losses. Nothing here limits liability for fraud, or for anything that cannot lawfully be limited.

Price data

If you ask the planner to fetch a price, the ticker you typed goes to the price service directly from your browser — CoinGecko for crypto, Finnhub for stocks using a free key you supply yourself. Those services have their own terms and availability, and neither we nor they guarantee that a quote is accurate or current. You can always type prices in by hand.

Changes, and the law that applies

We may update these terms; the version in force is the one on this page, dated at the top. Changes never apply retroactively to a purchase you already made.

These terms are governed by the laws of the State of Florida, United States, and the courts there have exclusive jurisdiction — except that if you are a consumer, you keep the protections and the venue of your own country's law where that law says so.