Terms of Use

Last updated: November 1, 2026

These Terms of Use govern access to and use of GenFIRE. The app and these terms are currently provided in English.

Operator And Contact

GenFIRE is operated as an individual project based in Malaysia. The operator is a Malaysian with 10 years of finance-sector experience, but is not presented through this app as your licensed financial adviser, tax agent, lawyer, investment manager, or retirement planner. The operator's personal name and residential address are not published in the app. For support, privacy requests, or legal notices, contact genfire.my@gmail.com. These terms are intended to be governed by the laws of Malaysia unless mandatory law requires otherwise.

Free Malaysia-Focused Calculator

GenFIRE is free to use. It is designed mainly as a Malaysia FIRE calculator, retirement calculator, and financial planning calculator for estimating financial independence timelines, savings needs, FIRE targets, and planning assumptions. Users from other countries may also use it by choosing their own currency and assumptions, but they remain responsible for checking local tax, legal, retirement, and financial rules.

Educational Planning Tool Only

GenFIRE provides educational estimates based on information and assumptions entered by you. It is not financial, investment, tax, accounting, insurance, retirement, legal, or professional advice. Results are not guarantees and should not be the only basis for financial decisions.

Using Calculator Inputs And Results

Fields for your inputs can be edited; totals and cards labelled Calculated or display only are derived from those inputs and cannot be edited directly. Grey sample values are examples, not recommendations or amounts automatically used in a calculation. Change the underlying inputs to change a total, and use Refresh / show results to update projection graphs after editing.

Projection inclusion choices control whether an asset or liability contributes to Path to target or appears in Outside projection. Excluding an item does not delete it or cancel its configured interest, repayments or allocations. Review these choices for your circumstances; the defaults are not personalised recommendations.

Loan payoff dates are estimates from the monthly projection, including entered effective annual interest rates, repayment schedules, allocations and planned sales. Graph points show year-end balances, with calendar dates and projection years; Year 0 covers the selected start month through December. Actual lender calculations, flat-rate loans, fees and payment dates may differ. Help popups explain the model, not lender terms or professional advice.

Wellbeing Tools

GenFIRE also offers free, optional self-reflection tools for adults aged 18 and above, focused on depression and low mood. You may try them without an account; logging in and agreeing to storage is required to save entries. Personal ratings and prompts are not validated diagnostic tests, medical advice, therapy, or a treatment programme. They do not diagnose a condition, guarantee improvement, or replace care from a qualified health professional. The operator's finance-sector background is not a mental-health qualification.

The optional exercises are original GenFIRE reflections inspired by themes in The Courage to Be Disliked by Ichiro Kishimi and Fumitake Koga. They are not quotations, an official companion to the book, or a clinically validated treatment. Fictional example answers are starting points for brainstorming, not instructions, assessments, or answers you must follow. They are not automatically saved as your own writing. The prompts do not mean that depression is a choice or a personal failure.

You choose which prompts to use and may skip or stop at any time. Seek professional support if symptoms persist, worsen, or interfere with daily life. Journals are not monitored and the service does not provide emergency response. If you may harm yourself or are in immediate danger, contact local emergency services or an emergency department. Your saved entries are governed by the Privacy Notice and can be deleted through the Wellbeing page; deleting your GenFIRE account also deletes its active saved wellbeing records.

Wellbeing drafts are not automatically saved. Leaving, reloading, logging out, or following a login redirect clears unsaved writing. Log in before writing if you intend to save, and check for the saved confirmation after submitting.

Your Responsibilities

You are responsible for the accuracy of your inputs, assumptions, decisions, and account security. FIRE and retirement projections can change significantly when assumptions change. Important financial decisions should be reviewed with qualified professionals who understand your full circumstances.

Accounts And Saved Plans

You may use the calculator and unsaved wellbeing tools without an account. If you create an account, GenFIRE may let you save more than one plan and access saved plans and wellbeing entries across devices. You are responsible for activity under your account and for keeping your login details secure. You retain ownership of your plan data and wellbeing writing. GenFIRE processes saved wellbeing entries to provide and secure the private storage, retrieval, editing, and deletion described in the Privacy Notice; saved plans and wellbeing entries are not sent to AI providers. Access through the app is restricted to your account, except for result summaries you choose to share. This is not end-to-end encrypted storage: the website owner and service providers with authorised infrastructure access may technically access stored content to operate and secure the service.

Feedback And Ratings

You may send feedback, questions, bug reports, optional reply email addresses, and optional star ratings. GenFIRE may store this information and email it to the operator using an email provider. By sending feedback, you allow GenFIRE to use it to improve the app, but GenFIRE will not intentionally publish your personal contact details without your consent.

Donations And Stripe Payments

The donation feature is a voluntary one-time support payment processed by Stripe. It does not create an advisory relationship, paid membership, subscription, entitlement to personal advice, or guarantee of future features. Unless stated at checkout or required by law, voluntary donations are generally non-refundable after processing.

Visitor Counts, Analytics, And Admin Metrics

GenFIRE may collect visitor counts and usage events, such as page views, calculator starts and refreshes, signups, logins, feedback submissions, donation clicks, and performance information. These metrics help the operator understand whether the app is working, detect errors, improve the user experience, and maintain an internal admin dashboard.

Acceptable Use

You must not misuse the service, attempt unauthorized access, interfere with security, upload unlawful content, copy protected parts of the app, or use automated methods that overload the service.

Intellectual Property

The GenFIRE name, logo, interface, text, source code, calculations, and visual design are protected by copyright and other laws. You may use the app for personal planning, but no ownership or broader license is transferred to you.

Third-Party Services

The app may use third-party services for hosting, authentication, database storage, payments, email delivery, analytics, OAuth login, and performance measurement. Current or planned providers may include Vercel, Supabase, Stripe, Resend, Google OAuth, Google Analytics, and Vercel Speed Insights. Those services may have their own terms and privacy notices. GenFIRE is not responsible for third-party websites or products.

Public resource links and book references are for general reading, not personalised financial or health advice or an endorsement of your circumstances. External websites have their own content, terms, and privacy practices, and may change independently of GenFIRE.

Disclaimers And Liability Limits

The service is provided on an as-is and as-available basis. To the maximum extent permitted by law, GenFIRE disclaims warranties of accuracy, availability, fitness for a particular purpose, and non-infringement. GenFIRE is not liable for indirect, incidental, special, consequential, tax, legal, retirement, or investment-related losses arising from use of or reliance on the service.

Changes And Termination

GenFIRE may change, suspend, or discontinue features as the service evolves. These terms may also be updated. Continued use after changes means you accept the updated terms. GenFIRE may suspend access where needed to protect the service, prevent misuse, or comply with law.

Contact

Contact GenFIRE at genfire.my@gmail.com. We aim to review support, privacy, and legal messages within 14 business days where practical.