Professional License Agreement

License Agreement for Financial Planners Who Purchase or Otherwise Use This And All Other Products Provided by Economic Security Planning, Inc.

Economic Security Planning, Inc., has exclusively developed and has exclusive ownership rights to all software, including all underlying computation code, being provided under this license.

This product and all other products provided by Economic Security Planning, Inc. are tools designed to facilitate calculations made by financial planners, but should not be acted upon by any financial planner as a complete financial plan for such financial planner's clients. This product and the creators of this product and any derivative products are neither financial planners, tax professionals, nor insurance professionals. This product and its derivative products are simply educational calculators for helping financial planners analyze certain aspects of a complete financial plan. Any output should be viewed as data for use in your own decision-making when providing advice to clients with respect to saving, spending, the purchase of life insurance, changing jobs, changing homes, changing mortgages, retiring at different ages, or many other financial and lifestyle choices that your clients are considering or making. This product and its derivative products provide neither economic, financial, insurance nor tax advice, which can only be delivered by authorized professionals. MaxiFi Planner helps you show your clients the implications of risky investment and insurance decisions. When there is risk, every action one takes has a potential cost. For example, reducing one's holdings of stocks will be an ex-post bad decision if the stock market does well. A second example is purchasing annuities. Doing so will be an ex-post bad decision if the annuitant passes away relatively soon after buying the annuity.

You may not advise your clients that you have relied upon any information from this product in rendering such advice. We do not make any representations or warranties about the correctness, accuracy, timeliness or reliability of this product and use of any information is at the user's own risk. Under no circumstances will we be liable for any loss or damage caused by reliance on information contained in this product. The Social Security benefit estimates produced by this product are just that -- estimates. Only the Social Security Administration can tell an individual precisely the benefits to which such individual will be eligible. The estimates provided here may differ from the correct amounts due to mistakes in our computer code of which we are unaware, mistakes in our computer code of which we are aware, but are in the process of fixing, or because of legislated changes in Social Security provisions of which we are unaware or because of delays in our updating our computer code for changes in Social Security provisions.

Each financial professional must obtain his or her own individual subscription to the tool. Licenses may not be shared in any manner, either by multiple financial professionals or by support staff to generate reports for multiple financial professionals. This license cannot be shared or used or conveyed to any other financial planner or employee of a financial planner or associate of a financial planner or any household or any individual. Anyone who uses this product, including anyone who assists a financial planner in its use, must purchase their own financial planner license.

This license cannot be shared or used or conveyed to any other household or individual or to any financial planner or employee of a financial planner or associate of a financial planner. Any household or individual who uses this product must purchase their own license.