Last updated: October 2026
These terms govern your use of Time to Retire (the "Tool") and TimeToRetire.co.uk (the "Site"). By purchasing or using the Tool, you agree to these terms. Nothing in them affects your legal rights as a consumer.
Time to Retire is a financial planning and modelling tool designed to help you understand your retirement finances and explore different scenarios. It is a piece of software, not a person. It does not constitute regulated financial advice under the Financial Services and Markets Act 2000, and we are not authorised or regulated by the Financial Conduct Authority (FCA). Nothing produced by the Tool should be treated as a recommendation to take any specific financial action. All projections are illustrative, based on assumptions you provide, and past investment performance does not guarantee future results. For advice specific to your circumstances, please consult a qualified independent financial adviser.
Time to Retire is available as a one-off purchase or as a monthly subscription, as described on our pricing page at the time of purchase. All payments are processed by Paddle.com Market Ltd ("Paddle") on our behalf, who act as merchant of record for your purchase. As merchant of record, Paddle is responsible for calculating, collecting, and remitting any applicable VAT or sales tax on your purchase — the price shown to you at checkout is the final price you pay, inclusive of VAT where applicable.
Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you would normally have a 14-day right to cancel a distance contract like this one, starting from the day you buy. However, because Time to Retire is digital content supplied to you immediately, that right does not apply once supply has begun, provided you have given express consent to immediate supply and acknowledged that you lose your cancellation right by doing so.
By completing your purchase and accessing the Tool, you confirm that you want the Tool supplied to you immediately, and that you understand you lose your 14-day right to cancel as a result. This does not affect our 30-day money-back guarantee below, which we offer on top of your legal rights.
If Time to Retire isn't useful to you, email hello@timetoretire.co.uk within 30 days of your purchase and we will refund you in full. You don't need to give a reason.
The monthly plan is a genuine subscription that continues until you cancel it. Cancelling stops all future payments; you keep access until the end of the billing period you've already paid for. We don't offer partial refunds for the remainder of a current billing period.
Because the Tool runs locally rather than through an ongoing server connection, it periodically reconfirms your subscription with Keygen, our licensing provider (typically around once a week) rather than checking continuously. If you cancel, you should expect access to end within about a week of your next reconnection, rather than instantly. If the Tool is unable to reconnect and confirm your subscription for an extended period (around 30 days), it may lock itself as a precaution until you're back online — this is not a cancellation and resolves itself automatically once reconnected.
The one-off plan is a single payment with no recurring charges. It gives you access to the Tool through our website, which always provides the latest version at no extra cost while it is running, and the right to download a permanent offline backup copy (see "The hosted Tool and your backup copy" below).
Because a one-off purchase is not tied to an ongoing subscription, the hosted version checks your purchase code with Keygen, our licensing provider, far less often than the monthly plan — roughly every 30 days rather than weekly — purely to catch the rare case of a refund. If a one-off purchase is refunded, access to the hosted version ends the next time this routine check succeeds, typically within about 30 days, rather than instantly. If the Tool is unable to reconnect and complete this check for an extended period (around 90 days) — for example due to a lack of internet access — it may lock itself as a precaution until you're back online; this is unrelated to refunds and resolves itself automatically once reconnected. A backup copy does not make this check.
The Tool normally runs from our website. We aim to keep it available, but we don't promise that it will be available without interruption, or that we will run it for any particular length of time.
If you're on the one-off plan, the Tool's Home page has a "Download the App" button that saves a fully offline backup copy to your own device. The backup copy is how you keep using the Tool if the hosted version ever becomes unavailable, so we strongly recommend you download one as soon as you buy, and again after updates. If you haven't downloaded a backup copy before the Site closes, you won't be able to download one afterwards.
The backup copy is unlocked with your purchase code when you download it, so there is nothing to activate later and it does not need to contact us in order to work. Because it contains your purchase code, keep the file private: it is for your own use, under the licence below.
A backup copy does not update itself. It reflects the Tool, and our understanding of UK tax and pension rules, as they stood when you downloaded it. If you use an older backup copy, its results may not reflect current rules; download a fresh copy from the Tool while the Site is running to get the latest version.
The backup option is not available on the monthly plan, since a permanent offline copy would be inconsistent with access being tied to an active subscription; monthly access depends on the Tool remaining able to periodically confirm your subscription status, as described above.
When you buy, we grant you a personal, non-exclusive, non-transferable licence to use the Tool, including any backup copy you download, for your own and your household's private retirement planning. You may not:
The Tool, its design, text and code are protected by copyright and other rights, which we own. Buying a licence does not transfer any of those rights to you.
Your licence ends if your purchase is refunded, if your monthly subscription ends, or if you seriously break these terms. When it ends, you must stop using the Tool and delete any backup copies.
Everything you enter into the Tool is stored locally in your browser and is never sent to us. We have no access to your financial information, so keeping your own records (for example by exporting them) is up to you. See our Privacy Policy for full details.
We build and test the Tool with reasonable care and skill, and we supply it as described on the Site. If it is faulty, you have legal rights, and nothing in these terms affects them.
The Tool's calculations, tax treatments and projections are based on the figures and assumptions you enter, and on our understanding of UK tax and pension rules at the time of each release. They may not capture every rule, exception, edge case, or future change in legislation, and are not guaranteed to be accurate, complete, or suitable for your particular circumstances. Projections are illustrations, not forecasts or promises. Nothing produced by the Tool should be treated as a statement of fact about your entitlements or tax position. You are responsible for checking any figure that matters to you before relying on it, and for your own financial decisions. We strongly recommend seeking regulated financial or tax advice before acting on anything material.
We supply the Tool for private, domestic use only. We are not responsible for:
Where we are responsible for a loss, our total liability to you is limited to the amount you paid us for the Tool (for the monthly plan, the payments made in the 12 months before the claim).
Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited or excluded under UK law.
We may update, change or improve the hosted Tool, for example to reflect changes in UK tax and pension rules. We may also update these terms. The terms shown on the Site when you bought apply to your purchase, except for changes needed to reflect the law or to describe how the Tool now works. If you're on the monthly plan and we make a material change, we'll show it on the Site before your next payment, and you can cancel if you don't accept it.
We may stop offering the Tool or close the Site at any time.
If a court decides that any part of these terms can't be enforced, the rest of the terms still apply. These terms, together with our Privacy Policy, are the whole agreement between you and us about the Tool. Nobody else has any rights under them. If we don't enforce a term straight away, we can still enforce it later.
These terms are governed by the laws of England and Wales. You can bring legal proceedings in the courts of England and Wales, or, if you live in Scotland or Northern Ireland, in the courts of the country where you live.
Time to Retire is run by Steven Meacham, a sole trader trading as Time to Retire ("we", "us", "our").
Address: 10 Centenary Road, Banbury, Oxfordshire OX17 2SJ
Email: hello@timetoretire.co.uk
Payments are taken by Paddle.com Market Ltd, which sells the Tool to you as merchant of record (see "Pricing and payment" above). We supply the Tool and are responsible for it.
Questions about these terms: hello@timetoretire.co.uk.
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