Terms of use
Terms of use.
By using https://heirloommoney.com (the "site"), you agree to these terms. Please read them along with our privacy policy and financial disclaimer. Effective October 2026.
1. Educational purpose only
The site provides general educational information about retirement accounts, rollovers, required distributions, and precious-metals IRAs. It is not financial, investment, tax, legal, or accounting advice, and it is not a recommendation to buy or sell any security, precious metal, or product. Using the site does not create an advisory, fiduciary, or professional relationship. See our financial disclaimer.
2. Calculators and quizzes
Our tools produce estimates based on the information you enter and on assumptions we describe. Results are illustrations, not guarantees or personalized advice, and may not reflect your actual costs, taxes, or required distributions. Verify important figures with your plan administrator, custodian, the IRS, or a qualified professional.
3. Accuracy
We work to keep information accurate and current, but laws, IRS limits, fees, and company practices change, and errors can occur. Information is provided "as is" as of the date shown on each page.
4. Third-party sites and affiliate links
The site links to other websites, including companies that may pay us when you use their services. We don't control those sites and are not responsible for their content, products, services, or privacy practices. Any transaction you make with a third party is solely between you and that party. See our advertiser disclosure.
5. Intellectual property
The site's text, tools, design, illustrations, photographs, and logos are owned by Heirloom Money or its licensors and are protected by copyright and trademark law. You may view and print pages for your personal, non-commercial use. You may not copy, republish, scrape, or distribute site content for commercial purposes without our written permission. Brief quotations with a link back are welcome.
6. Acceptable use
You agree not to misuse the site, including by attempting to disrupt it, access it by automated means that place an unreasonable load on it, or use it for any unlawful purpose.
7. Disclaimer of warranties
To the fullest extent permitted by law, the site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement.
8. Limitation of liability
To the fullest extent permitted by law, Heirloom Money and its owners, contributors, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of savings, profits, or data, arising from your use of the site or reliance on its content, even if advised of the possibility of such damages. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.
9. Indemnification
You agree to indemnify and hold harmless Heirloom Money from claims arising out of your misuse of the site or violation of these terms.
10. Governing law
These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located there, unless applicable law requires otherwise.
11. Changes
We may update these terms. The effective date above shows when they last changed. Continued use of the site means you accept the updated terms.
12. Contact
Questions about these terms: hello@heirloommoney.com.