Last updated: March 8, 2026
By using InvestEd, you agree to the following terms.
The short version
By using InvestEd:
- You understand it's an educational tool, not financial advice
- You're responsible for your inputs and decisions
- You agree not to misuse or break the service
- You accept we provide it “as-is” with no guarantees
We agree to:
- Run honest calculations based on your inputs
- Not sell your data
- Be transparent about what we can and can't do
1. Acceptance
Welcome to InvestEd.
By using the-invested.com, you agree to these Terms. If you don't agree, you can't use the site.
We may update these Terms. Continued use means you accept updates.
2. What InvestEd is (and isn't)
What InvestEd is: An educational planning tool that:
- Simulates financial scenarios month-by-month
- Shows feasibility, timelines, and failure points
- Explains results in plain language (via optional AI)
What InvestEd is not:
- Not financial advice.We don't recommend securities, financial products, tax positions, or legal structures, and we don't tell you what to do with your money. InvestEd ranks the approaches you choose between, on a metric you select, using only the figures youenter — and shows what each one costs. Acting on that is your decision; we never make a change to your plan for you.
- Not a prediction.We don't forecast markets, rates, or economic conditions.
- Not a guarantee.Your real-world results may differ based on factors we can't simulate.
- Not a substitute for professionals. If you need advice, hire a licensed advisor and/or seek professional tax guidance.
3. Estimates and assumptions
All calculations, projections, and AI-generated explanations are estimates based on user inputs and stated assumptions. Actual outcomes may differ.
You are responsible for reviewing results and validating decisions with qualified professionals before taking action.
4. Your responsibility
You agree to:
- Provide accurate information to the best of your knowledge
- Use the platform for personal, educational, or exploratory purposes
- Make your own decisions based on your judgment
InvestEd does not make decisions on your behalf.
5. What you can and can't do
You can:
- Use InvestEd for personal financial planning
- Run scenarios, save plans, compare options
- Share scenario links (if signed in)
- Give us feedback
You can't:
- Use it for illegal purposes
- Try to hack or break the service
- Scrape or automate access without permission
- Misrepresent yourself
- Resell or commercialize InvestEd
- Violate any laws
6. Your data and account
You're responsible for the accuracy of inputs you provide and for understanding that results depend on your numbers.
We handle your data per our Privacy Policy:
- We don't sell it
- We don't link bank accounts
- You can delete it anytime
6a. Signing in
InvestEd is passwordless — you never create or remember a password.
- To sign in, enter your email and we'll send you a one-time code. Enter the code to get in — that's it
- Codes expire after 10 minutes and can only be used once
- Forgot which email you used? You can look it up with your name and phone number. We'll only show you a partially hidden version of your email — we never expose it in full
- Once signed in, your session stays active for 7 days. You can sign out at any time
- Your sign-in data is handled securely and never shared with third parties
By signing in, you confirm that the email address you provide is one you own and control.
7. Ownership
InvestEd owns: the website, code, design, and calculations, as well as logos and branding.
You own: the inputs you provide and the scenarios you create.
You may use InvestEd for personal, non-commercial purposes and share scenario links if signed in.
You may not copy, modify, resell, or create derivative works of the service without permission.
8. AI explanations
How it works:
- Calculations are done by our engine (deterministic math)
- AI explains results in plain language
- AI doesn't compute outcomes—it interprets them
AI limitations:
- Responses are generated by third-party models
- AI may occasionally be unclear or incomplete
- AI doesn't give advice—it explains math
You're responsible for verifying AI explanations against raw results.
See our AI Principles for details.
9. Disclaimers
No warranties:InvestEd is provided “as-is” and “as available.” We don't guarantee error-free operation, uninterrupted service, results suitable for your situation, or accuracy of AI explanations.
Not financial advice:InvestEd is educational, not advisory. We don't provide investment, legal, or tax advice. Calculations are simulations, not guarantees. You're responsible for your decisions.
Limitation of liability:We're not liable for financial losses from decisions based on InvestEd, errors in calculations (though we strive for accuracy), service interruptions or data loss, or third-party service failures.
10. Your responsibility to protect us
You agree to protect us from claims arising from your use of InvestEd, your violation of these Terms, inaccurate information you provide, or your violation of laws or third-party rights.
11. Changes to the service
We may update features, calculations, or content over time. Continued use of the platform indicates acceptance of updates.