Retriever

Terms of Service

Effective June 26, 2026 · Version 1.0

Welcome to Retriever. These Terms govern your use of Retriever, including our website at retriever.tax and the Retriever software application (the "Service"), operated by Retriever Works Inc. ("Retriever," "we," "us").

By signing up for and using Retriever, you agree to these Terms and our Privacy Policy. You represent that you are at least 18 years old and have the right and capacity to enter into these Terms. If you don't agree, don't use the Service.

PLEASE BE AWARE THAT SECTION 12 CONTAINS PROVISIONS GOVERNING HOW DISPUTES BETWEEN YOU AND RETRIEVER ARE RESOLVED. IT INCLUDES AN AGREEMENT TO ARBITRATE, WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT DISPUTES BE RESOLVED BY BINDING AND FINAL ARBITRATION. IT ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER. PLEASE READ SECTION 12 CAREFULLY.

UNLESS YOU OPT OUT OF THE AGREEMENT TO ARBITRATE WITHIN 30 DAYS: (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION, AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION; AND (2) YOU WAIVE YOUR RIGHT TO PURSUE CLAIMS IN COURT AND TO HAVE A JURY TRIAL.

1. What Retriever is, and isn't

Retriever is software that helps you model financial and tax decisions, currently in beta. You enter your information, the software models scenarios on your inputs, and you decide what to do with the results.

RETRIEVER IS NOT A CPA FIRM, TAX PREPARER, REGISTERED INVESTMENT ADVISER, BROKER-DEALER, OR LAW FIRM, AND DOES NOT PROVIDE TAX, LEGAL, ACCOUNTING, OR INVESTMENT ADVICE. Retriever does not prepare or file tax returns; represent you before the IRS or any state taxing authority; take custody of your money; or recommend specific securities, investments, or transactions for your individual situation.

Nothing in the Service creates a tax adviser, attorney, accountant, fiduciary, or investment adviser relationship between you and Retriever. Outputs are educational and informational, not advice.

2. Estimates, not guarantees

Any savings figures, projections, or scenario outputs the Service shows are modeled projections based on the information you provide and the assumptions built into our models. They are not guarantees, may be inaccurate, and can be treated as a starting point for your own research, not as a final answer. Because Retriever is in beta, errors are possible. Always confirm any number with a qualified tax professional before acting on it.

Your actual results will differ from any estimate due to things the Service does not see or model, including state and local rules, changes in tax law, IRS interpretations, prior-year positions, and errors or limitations in the model. We do not warrant the accuracy or completeness of any estimate.

You are solely responsible for the accuracy of what you enter, for any tax positions you take, and for any financial decisions you make.

3. This is beta software

The Service is pre-release. That means:

We reserve the right, at any time, to modify, suspend, or discontinue the Service (in whole or in part) with or without notice to you, and we will not be liable to you or any third party for doing so. You acknowledge that we have no obligation to provide support or maintenance for the Service. Don't rely on the Service as a finished product, and don't represent it as one to others.

4. Who can use Retriever

To use the Service, you must:

The Service is intended only for users in the United States. We make no claim that the Service is appropriate or available for use outside the United States.

To use certain features, you must register for an account. You agree that the account and eligibility information you provide, such as your name, email address, and the eligibility details above, is truthful and accurate, and that you will keep it current. You may delete your account at any time by emailing hello@retriever.tax.

5. Using the Service responsibly

You are responsible for keeping your account credentials secure, including the email address you use to sign in and any access to it. You are responsible for all activity that occurs under your account. Notify us promptly at hello@retriever.tax of any unauthorized use of your account or any other suspected security breach. We are not liable for any loss arising from unauthorized use of your account, including where you fail to keep your credentials secure.

You agree not to:

We may review and take appropriate action against any violation of these Terms in our sole discretion, including restricting, suspending, or terminating your account and access to the Service, and reporting you to law enforcement. Breaking these rules is grounds for immediate suspension or termination.

6. Who owns what

We own the Service. That includes the software, models, methodology, calculations, content, brand, design, and all related intellectual property rights. We grant you a non-transferable, non-exclusive, revocable, limited license to use the Service for your own personal tax planning. We reserve all rights not expressly granted, and no implied licenses are granted under these Terms. All proprietary notices on the Service must be retained.

You own the information you enter. You grant us permission to use it to run the Service for you and to improve and develop the Service and our models. You are solely responsible for the information you enter and for maintaining your own copies of anything you want to keep. We are not obligated to store or retain your information, and your information may be deleted, lost, or become inaccessible, including if your account is closed or the Service changes. Keep your own records of anything important.

If you give us feedback or suggestions about the Service, you assign to us all rights in that feedback and agree we may use it without restriction or payment to you. We will treat feedback as non-confidential.

7. Affiliate relationships

Retriever does not currently earn fees from any partner links. If that changes, we will disclose affiliate relationships as required and update these Terms.

8. Third-party services

We rely on third-party providers to operate the Service, including hosting, analytics, and similar infrastructure. These providers may process information on our behalf under data-protection obligations, as described in our Privacy Policy. We are not responsible for third-party services we do not control, including their availability or any interruption they may cause to the Service.

The Service may also contain links to third-party websites we do not control. We are not responsible for the content, accuracy, or practices of those sites, and your use of them is at your own risk and governed by their own terms and privacy policies.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR SUPPLIERS DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR THAT ANY OUTPUT WILL BE CORRECT, COMPLETE, OR APPROPRIATE FOR YOUR INDIVIDUAL SITUATION.

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST DATA, TAX PENALTIES OR INTEREST, LOST INVESTMENT RETURNS, OR MISSED DEDUCTIONS, ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO AND USE OF THE SERVICE IS AT YOUR OWN RISK.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE IS LIMITED TO THE GREATER OF (A) WHAT YOU PAID US IN THE PRIOR 12 MONTHS, OR (B) $100. THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT.

Nothing in these Terms limits or excludes our liability for fraud, gross negligence, willful misconduct, or any other liability that cannot be limited or excluded under applicable law. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above may not apply to you. If any part of this section is found unenforceable, the rest remains in effect.

You agree to indemnify, defend, and hold us (and our officers, employees, and agents) harmless, including reasonable attorneys' fees and costs, from any claim or demand arising from your use of the Service, tax positions you take, decisions you make, your violation of these Terms or any law, or third parties who rely on outputs you share. We may, at your expense, assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense. You agree not to settle any such matter without our prior written consent. We will use reasonable efforts to notify you of any such claim.

11. Release

You release us (and our officers, employees, agents, successors, and assigns) from every dispute, claim, or liability of every kind that has arisen or arises out of or relates to the Service, including any interactions with third-party links. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING, WHICH STATES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."

12. Dispute resolution and arbitration

Please read this Section carefully. It requires you to arbitrate disputes with Retriever and its affiliates, successors, and assigns, and their respective officers, directors, employees, and agents (collectively, the "Retriever Parties"), and limits how you can seek relief.

12.1 Applicability. You agree that any dispute between you and any of the Retriever Parties relating in any way to the Service or these Terms will be resolved by binding arbitration, rather than in court, except that (1) you and the Retriever Parties may assert individual claims in small claims court if they qualify and remain on an individual basis; and (2) either party may seek equitable relief in court for infringement or misuse of intellectual property rights. This Arbitration Agreement survives termination of these Terms and applies to all claims, including claims that arose before you accepted these Terms or any prior version. It does not preclude you from bringing issues to the attention of federal, state, or local agencies. For purposes of this Section, "Dispute" includes disputes involving facts occurring before or after the existence of any version of these Terms.

12.2 Informal dispute resolution. Before either party starts arbitration (or a small-claims action, if elected), we agree to meet and confer by phone or videoconference in a good-faith effort to resolve the Dispute informally (an "Informal Dispute Resolution Conference"). The party starting a Dispute must first send written notice ("Notice") describing the Dispute. Notice to us should be sent by email to hello@retriever.tax. The Notice must include (1) your name, mailing address, and the email address associated with your account; (2) the name and contact information of your counsel, if any; and (3) a description of your Dispute. The Conference will take place within 45 days after Notice is received, unless extended by agreement. Each Conference is individual: a separate Conference is held for each person's Dispute, even if the same counsel represents multiple users. Completing the Conference is a requirement that must be met before starting arbitration. Statutes of limitation and any filing-fee deadlines are tolled while the parties engage in this process.

12.3 Arbitration rules and forum. These Terms evidence a transaction involving interstate commerce, and the Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this Arbitration Agreement and any arbitration. If the informal process does not resolve the Dispute within 60 days after Notice is received, either party may begin binding arbitration. Arbitration will be conducted by JAMS. Disputes with an amount in controversy under $250,000 (not including attorneys' fees and interest) are subject to JAMS' Streamlined Arbitration Rules; all other claims are subject to JAMS' Comprehensive Arbitration Rules. The rules are available at www.jamsadr.com. A party beginning arbitration must send a request ("Request") that includes (1) the requesting party's name, mailing address, account email, and contact information; (2) a statement of the legal claims and their factual bases; (3) a description of the remedy sought and a good-faith calculation of the amount in controversy in U.S. dollars; (4) a statement certifying completion of the informal process; and (5) evidence that any necessary filing fees have been paid. If counsel represents the requesting party, counsel must sign the Request and certify, after reasonable inquiry, that it is not presented for an improper purpose and that the claims are warranted and have evidentiary support.

12.4 Venue and arbitrator's authority. Unless you and we agree otherwise, or the Batch Arbitration process below is triggered, the arbitration will be conducted in the county where you reside. The arbitrator may direct a reasonable, limited exchange of information consistent with the expedited nature of arbitration. The arbitrator has exclusive authority to resolve all disputes subject to arbitration, including the interpretation, applicability, enforceability, or formation of this Arbitration Agreement, except that: (1) all disputes about the Waiver of Class or Other Non-Individualized Relief shall be decided by a court, not the arbitrator; (2) disputes about the payment of arbitration fees shall be decided only by a court, except as contemplated by the Batch Arbitration process; (3) disputes about whether a party has satisfied a condition precedent to arbitration shall be decided only by a court; and (4) disputes about which version of the Arbitration Agreement applies shall be decided only by a court. The arbitrator may award the same damages and individual relief a court could, must follow these Terms, and will issue a written, reasoned award that is final and binding. Judgment on the award may be entered in any court with jurisdiction. All materials exchanged in the arbitration will be kept confidential.

12.5 Waiver of jury trial. EXCEPT AS SPECIFIED IN SECTION 12.1, YOU AND THE RETRIEVER PARTIES WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR JURY. You and the Retriever Parties instead elect that covered claims be resolved by arbitration. There is no judge or jury in arbitration, and court review of an arbitration award is limited.

12.6 Waiver of class or other non-individualized relief. YOU AND RETRIEVER AGREE THAT, EXCEPT AS SPECIFIED IN SECTION 12.8 (BATCH ARBITRATION), EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS, AND NOT ON A CLASS, REPRESENTATIVE, COLLECTIVE, OR MASS ACTION BASIS. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER USER. If a court decides, in a final decision not subject to appeal, that this Waiver is invalid or unenforceable as to a particular claim or request for relief, then that particular claim or request (and only that one) shall be severed from arbitration and may be brought in the state or federal courts located in Delaware; all other Disputes shall be arbitrated or brought in small claims court. This does not prevent either party from participating in a class-wide settlement.

12.7 Attorneys' fees and costs. Each party bears its own attorneys' fees and costs in arbitration, unless the arbitrator finds that a claim or the relief sought was frivolous or brought for an improper purpose under Federal Rule of Civil Procedure 11(b). If a party must go to court to compel arbitration, the party that obtains an order compelling arbitration may recover its reasonable costs and attorneys' fees incurred in doing so.

12.8 Batch arbitration. To increase efficiency, if 100 or more similar Requests are filed against us with the assistance of the same or coordinated counsel within a 30-day period, JAMS will administer them in batches of up to 100, appoint one arbitrator per batch, and resolve each batch as a single consolidated arbitration with one set of filing and administrative fees per side per batch, one calendar, one hearing if any, and one final award. Requests are "substantially similar" if they arise from the same event or factual scenario and raise similar legal issues and relief. If the parties disagree about whether Batch Arbitration applies, JAMS will appoint a standing administrative arbitrator (whose fees we pay) to decide. The parties will cooperate in good faith to implement this process. This provision does not authorize a class, collective, or mass arbitration except as expressly set out here.

12.9 30-day right to opt out. You may opt out of this Arbitration Agreement by emailing a clear statement of your decision to opt out to hello@retriever.tax within 30 days after first becoming subject to it. Your notice must include your name and a clear statement that you want to opt out of the Arbitration Agreement. If you opt out, all other parts of these Terms continue to apply. Opting out has no effect on any other arbitration agreement between us, now or in the future.

12.10 Severability and survival. Except as provided in Section 12.6, if any part of this Arbitration Agreement is found invalid or unenforceable, that part will be severed and the rest will remain in effect. Any Dispute must be initiated within the applicable statute of limitations or it will be time-barred.

12.11 Changes to this Arbitration Agreement. If we make a material change to this Arbitration Agreement, you may reject the change within 30 days of it becoming effective by emailing hello@retriever.tax. Unless you reject it, your continued use of the Service constitutes acceptance. A change does not give you a new opportunity to opt out if you previously agreed to a version of these Terms and did not validly opt out. We will continue to honor any valid prior opt-out.

13. Ending your use

You can stop anytime and request deletion of your account by emailing hello@retriever.tax. We may suspend or end your access at any time for any reason, including for any use of the Service that violates these Terms. On termination, your right to access the Service ends, and your account information may be deleted from our live databases. Sections 1, 2, 6, and 9 through 12, and this Section, survive termination.

14. General

Changes. We may update these Terms at any time. The current version will always be posted here. If we make material changes, we will notify you by email or through the Service before they take effect. You are responsible for keeping your email address current. Your continued use of the Service after changes take effect means you accept them.

Electronic communications. You agree to do business with us electronically. You consent to receive these Terms, the Privacy Policy, disclosures, notices, and other communications from us electronically, by email or through the Service, and you agree that your electronic actions (including signing up and clicking to accept) have the same legal effect as a handwritten signature under the federal E-SIGN Act and applicable state law. All terms, agreements, notices, and disclosures we provide electronically satisfy any legal requirement that they be in writing. This does not affect your non-waivable rights. You can request a paper copy of any electronic record by emailing hello@retriever.tax.

Export. The Service may be subject to U.S. export control laws. You agree not to export, re-export, or transfer, directly or indirectly, any U.S. technical data acquired from us, or any products using such data, in violation of U.S. export laws.

Entire agreement; assignment. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service. Our failure to enforce any provision is not a waiver of it. Section titles are for convenience only. "Including" means "including without limitation." If any provision is held invalid or unenforceable, the rest remains in effect and the provision will be modified to be enforceable to the maximum extent permitted by law. Nothing in these Terms creates any partnership, joint venture, agency, or employment relationship between you and us. You may not assign or transfer these Terms without our consent, and any attempted assignment in violation of this is void. We may freely assign these Terms, including in connection with a merger, acquisition, or sale of assets. These Terms are binding upon and inure to the benefit of the parties' permitted assignees.

Disclosures. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

Copyright and trademarks. Copyright © 2026 Retriever Works Inc. All rights reserved. All trademarks, logos, and service marks displayed in the Service are our property or the property of third parties. You may not use them without our prior written consent or the consent of the third party that owns them.

Governing law. These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs Section 12. Nothing in these Terms waives any non-waivable rights or protections you have under the laws of your home state.

Questions? hello@retriever.tax · Retriever Works Inc.

Effective June 26, 2026 · Version 1.0