Terms of Service

Updated October 21, 2026

IRACircle provides general education and hypothetical tools. Use sources and qualified advice for decisions that depend on your circumstances.

Educational use

IRACircle is the website name used by its operator. The site provides U.S. retirement-account education and tools. It does not provide personalized investment, tax, or legal services. Using the site does not create an adviser or client relationship.

Accounts and contributions

Keep account credentials secure. Community submissions must not contain personal financial identifiers, impersonation, misleading credentials, copied articles without permission, spam, or unlawful material. Submissions may be withheld from publication or removed. Editorial review of a submission does not establish professional qualifications.

Tools and limitations

Calculators model assumptions. They do not predict investment returns or establish your exact tax liability, contribution eligibility, or distribution obligation. Verify current sources, applicable plan rules, and your own facts before acting.

Sources and third-party services

External links identify sources or services and do not imply endorsement. Source material can change. Refer to our editorial policy for authorship, AI assistance, limitations, and corrections.

Questions and corrections

Use the Contact page to report an error or ask about these terms. Nothing here is intended to waive rights that cannot be excluded under applicable law.