Beta Terms of Service

Interim beta information. These pages have not yet been reviewed by counsel and describe the features and limits available today.

Only fictional planning data may be entered during observed beta sessions until legal review is complete. Financial figures, planning ages, estate names, notes and Guide questions must be invented examples, not information about you or anyone else. Sign-in still uses your own email address. Participation begins only after an invitation and confirmation that testing is ready.

Last updated Nov 4, 2026

These interim terms describe the Brivoda beta, which admits participants by invitation only.

The short version

  • The beta is free. Nothing in it is for sale, and Brivoda collects no payment details.
  • Brivoda is for education. It is not financial, investment, tax or legal advice, and it does not tell anyone what to do with their money.
  • Calculators, projections and the Brivoda Guide show estimates based on the example numbers entered. They can be wrong, and real results will differ.
  • The pre-launch plan is to delete every beta account and its data, after at least 30 days’ notice by email. You can download a copy of your data at any time in Settings → Data.
  • What you enter stays yours. Brivoda does not sell it.

Who runs this test

These terms are an agreement between you and Brivoda’s founder (“we” or “us”), who runs this test. You accept them by ticking “I agree to the Beta Terms of Service” before you first use Brivoda, and we record which version you accepted and when. No incorporated company is named in this agreement. Formal legal identification of the operator remains for legal review. Participation is voluntary.

The Beta Privacy Policy explains what we collect and how we use it, and forms part of these terms.

What the beta is

Registration is closed to the public. An account can be created only for an email address that Brivoda’s founder has approved, and people are admitted in small groups. A household invitation on its own admits nobody: an invited partner needs their own approval.

  • It is free. There are no charges, and no payment details are collected.
  • Features may change, stop working or be removed while we learn from the beta.
  • The beta ends on a date we announce by email.
  • Before Brivoda opens to the public, the plan is to delete every beta account and the data in it. This is the pre-launch reset. We will email participants at least 30 days before it happens. You can download a copy of your data in Settings → Data before then.

Taking part is voluntary. You can stop at any time, and you can delete your account in Settings → Data.

Education, not advice

Brivoda explains how retirement planning works and lets you explore scenarios with invented example figures during this testing phase. It is not a financial adviser, investment adviser, broker, tax preparer, accountant or lawyer, and we are not acting as any of those for you.

Nothing in Brivoda is a recommendation to buy, sell or hold an investment, or to take any financial, tax, legal, insurance or benefits action. Brivoda shows scenarios side by side; it does not choose one for you.

Calculators and projections are estimates. They depend on the numbers entered and on published figures, such as tax brackets, Social Security rules and Medicare premiums, which change over time. They can contain errors, and actual results will differ.

Decisions about your money are yours. A licensed professional can advise on your particular situation.

The Brivoda Guide

The Brivoda Guide is an AI-powered educational guide. Its answers are written by an AI model. They can be incomplete, out of date or wrong, and they are education, not advice.

The Guide’s quality review is not finished, and the beta is part of that review. The calculator pages, and the official sources they name, explain the figures in more depth.

The Guide is not a counseling or crisis service. In the United States, anyone in crisis can call or text 988 to reach the 988 Suicide & Crisis Lifeline.

How the Guide handles what you type is described in the Beta Privacy Policy.

Your account

  • Brivoda is for adults. An account holder must be at least 18 years old.
  • An account belongs to one person. Sign-in codes and sign-in links are for the account holder alone.
  • You are responsible for what happens in your account. Anyone who thinks someone else has used their account can tell us at support@brivoda.com.
  • Brivoda never needs a Social Security number, an account number, a full date of birth or a home address, and its forms refuse text shaped like a Social Security number and several other common identifiers.
  • A partner invited into your household must also be approved for the beta. What each of you can see is set out in the Beta Privacy Policy.
  • Brivoda’s figures follow United States federal and state rules.

Using Brivoda fairly

Using Brivoda means agreeing not to:

  • use it for anything unlawful;
  • try to get into another person’s account or data, or into any part of Brivoda you are not authorized to use;
  • interfere with Brivoda, overload it, or get around its security or its limits;
  • copy its content or data with automated tools;
  • use it, including the Guide, to produce material that harms other people.

Anyone who finds a security problem can report it to support@brivoda.com. We ask that it not be tested further.

What you enter

What you enter in Brivoda stays yours. You allow us to store and process it only to run Brivoda for you, and for the household member you choose to share with, as the Beta Privacy Policy describes. We do not sell it or use it for advertising.

Feedback

Feedback and suggestions help shape Brivoda. We may use what you send to improve Brivoda without owing anything for it. Feedback never needs financial details, and we do not ask for them.

Brivoda’s own content

Brivoda’s software, design, text and calculators belong to us or our licensors. During the beta, you may use them to test and learn with fictional examples. The government figures Brivoda shows come from public sources, which each page names.

Changes, interruptions and suspension

Brivoda may be unavailable at times, and we may change or remove features during the beta. We may suspend or close an account that breaks these terms or puts other people or Brivoda at risk. We will say why, unless the law or a security concern prevents it.

No promises about results

To the extent the law allows, Brivoda is provided “as is” and “as available”, without warranties of any kind, including any warranty that it is accurate, complete, uninterrupted or fit for a particular purpose. Some places do not allow these exclusions, so some of them may not apply to you.

Limits on our liability

To the extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, savings or data, arising from the beta. Our total liability for all claims relating to the beta is limited to US$100. Nothing in these terms limits any liability that the law does not allow to be limited.

Leaving the beta

You can stop using Brivoda at any time, and you can delete your account in Settings → Data. The account is deleted 30 days after you ask; until then nothing is deleted, and signing in lets you choose Keep my account to cancel. Accounts with retained administrator records need a separate review before deletion. You can download a copy of your data in Settings → Data first, and during those 30 days from the page that signing in shows.

We may end the beta for everyone, with notice by email. The pre-launch reset described above ends every beta account.

Changes to these terms

If we change these terms in a way that matters, we email participants at least 14 days before the change takes effect, unless a change is needed sooner for legal or security reasons, and we ask you to accept the new version before you continue using Brivoda. The date at the top of this page shows the current version.

Contact

Questions about these terms go to support@brivoda.com.