Terms of Service
Last updated: May 1, 2026
Agreement to terms
By using PenaltyFreeRetire.com, you agree to these terms. If you do not agree, do not use the site.
What we provide
PenaltyFreeRetire.com offers free online retirement calculators and educational blog content. The site is operated by Alphashift (Pty) Ltd.
No financial advice
The calculators on this site produce estimates based on the inputs you provide. They are not financial advice. Tax rules change. Individual circumstances vary. Before making retirement or tax decisions, consult a qualified financial professional.
How you may use the site
You may use the calculators and read the blog content for personal, non-commercial purposes. You may not:
- Scrape the site or extract data automatically
- Attempt to disrupt or overload our servers
- Copy our calculator logic or code for commercial use
- Submit false or abusive information through the contact form
Intellectual property
The content, calculators, code, and design of this site belong to Alphashift (Pty) Ltd. You may not reproduce, modify, or distribute them without written permission. Blog content may be shared for personal use with attribution.
Third-party links
We may link to external sites such as IRS.gov or other government resources. We are not responsible for the content, accuracy, or practices of those sites.
Limitation of liability
We are not liable for any financial loss, tax penalty, or other damages resulting from your use of the calculators or reliance on any content on this site. The calculators are provided as-is. You assume full responsibility for decisions made using the outputs.
No warranty
We do not guarantee that the site will always be available, that calculations are error-free, or that results are accurate for your specific situation. The site is provided without warranties of any kind.
Changes to these terms
We may update these terms at any time. Continued use of the site after changes constitutes acceptance of the revised terms.
Governing law
These terms are governed by the laws of South Africa, the country where Alphashift (Pty) Ltd is registered.
Contact
For questions about these terms, use the contact form on this site.