Terms of Use for this Web Site


Your Web Site Account

Certain areas of the Web Site may ask you to provide information or ask you to set up a Web Site Account. You may decide not to set up an account or provide information; however, if you decline to do so, you may be unable to view or access certain Materials, Collaborative Content or User Content or otherwise enjoy portions of the Web Site. You are responsible for updating your account information. We are entitled to rely on the last information provided by you.

You will be responsible for all activities that occur under your account or password, and you agree you will not sell, transfer or assign your account or any account rights. You are responsible for maintaining the confidentiality of your password, and for restricting access to your devices that access the Internet, so that others may not utilize your information to access the Web Site. Omega Companies, Inc. may terminate your account or deny you access to the Web Site in its sole discretion without notice and without liability.

Your Warranties

You represent and warrant that:

  • you are not a minor and you have the legal right and capacity to enter into these Terms in your jurisdiction and to comply with these Terms or, if you are a minor, your parent or legal guardian has read and agreed to these Terms on your behalf;
  • all information you provide to Omega Companies, Inc. is true, accurate, complete and current; and
  • you hold and will continue to hold all rights necessary to enter into and fully perform your obligations under these Terms and to grant the rights granted under these Terms.

User Interactions and Disputes

You are solely responsible for your interaction with other users of the Web Site, whether online or offline. We are not responsible or liable for the conduct of any user. We reserve the right, but have no obligation, to monitor or become involved in disputes between you and other users. Exercise common sense and prudent judgment in your interactions with others and online activities.


The Web Site may contain sweepstakes, contests or promotions, which may be governed by a separate set of rules and may also have eligibility requirements. You must read those rules to determine whether or not your participation, registration or entry will be valid and to determine all other applicable requirements.

Third Party Links and Content

The Web Site, or communications you receive from the Web Site, may link to third party web sites or provide third party content that we do not control, maintain or endorse, for example, banner advertisements.

You expressly acknowledge and agree that we are in no way responsible or liable for any third party content or third party web site, including, without limitation, third party policies, failures, promotions, products, services, actions and/or any damages, losses, failures or problems caused by, related to, or arising from those third parties. Your correspondence and business dealings with others found on or through the Web Site including, without limitation, the payment and delivery of products and services, and any terms, conditions, warranties and representations associated with such dealings, are solely between you and the third party.

Linking Policy

Omega Companies, Inc. grants you the revocable permission to link to the Web Site; provided, however, that the location on which the link resides:

  • must be owned and controlled by you or otherwise permit you to enable such link subject to these Terms applying thereto;
  • must not frame or create a browser or border environment around any of the content on the Web Site or otherwise mirror any part of the Web Site;
  • must not imply that Omega Companies, Inc. or the Web Site is endorsing or sponsoring it or its products, unless Omega Companies, Inc. has given it prior written consent;
  • must not present false information about, or disparage, tarnish or otherwise, in Omega Companies, Inc.'s opinion, harm Omega Companies, Inc. or its products or services;
  • must not use any Omega Companies, Inc. trademarks without the prior written permission from Omega Companies, Inc.; and
  • must not contain content that could be construed as distasteful, offensive, controversial or otherwise objectionable (in Omega Companies, Inc.'s opinion).

Omega Companies, Inc. also reserves the right to prohibit linking to the Web Site for any reason in our sole and absolute discretion even if the linking complies with the requirements described above.


Terms of Use for Retirement OracleTM and any other Tools by Omega Companies, Inc.

Limited Use Policy

You may purchase and download the Retirement OracleTM Calculator (the "Software"), make archival copies, and customize the Software for personal and noncommercial use only. We define "Personal use" as Non-Commercial use by you or a member of your immediate family only, on your own computer.  We define "Commercial use" as any use in which a corporation or business or commercial entity derives or attempts to derive monetary gain and benefit, either directly or indirectly, from the use of the Software. This includes Government and Military entities, corporations, LLCs, sole-proprietorships, home-based businesses, and internet-based businesses. You may not copy, reproduce, republish, display, sell, upload, post, disassemble, reverse-engineer, transmit, exploit or distribute the Software or its Contents or any modified version of the Software or its Contents in any way or for any purpose without the express written permission of Omega Companies, Inc.. Any attempts to modify the Software or any Content, or to defeat or circumvent our security features is prohibited.  You may not remove or alter any logo, trademark, copyright, disclaimer, brand, hyperlink, terms of use, attribution, or other proprietary notices or marks within the Software.

No Warranties / Limitation of Liability

This Software is for informational purposes only and should not be considered investment, tax or financial advice.   Omega Companies, Inc. is not responsible for the consequences of any decisions or actions taken as a result of information provided by this tool.   No specific Investment strategies or recommendations are given by or implied in the Software.   The User should contact his or her financial, tax, or legal advisors to develop investment objectives, strategies, portfolios, and specific investments. 

The projected outcomes of the Software are hypothetical in nature and are not guarantees of future results, as they are based on assumptions you provide.  These assumptions (whether based on defaults or user inputs) may not reflect your actual living, financial or investment results.  Actual results may be better or worse than the calculated outomes, with the potential for greater loss (or gain).  As a consequence, the outcomes of the Software should be viewed as approximations, and users should allow a margin for error and not place too much reliance on the apparent precision of the results.

Precise Social Security estimates depend upon the pattern of your actual past and future earnings.  For the official and exact estimate of your Social Security benefits, visit the Government's official website at socialsecurity.gov.

Due to complexities of the Tax Code, Tax assumptions in the Software (whether defaults or user inputs) are insufficiently detailed to fully estimate the tax impact of your retirement assumptions.  Please consult your Tax advisor for an official and precise impact of Taxation on your Retirement planning.

The Software with its documents, notes, and calculations is provided to you "AS IS."  Omega Companies, Inc. makes no warranties, express or implied, and expressly disclaims all representations, oral or written terms, conditions, and warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and noninfingement.  Without limiting the above, you accept that the Software may not meet your requirements or identify any or all errors or problems accurately.

In no event shall Omega Companies, Inc. be liable to you for any damages, including any lost profits, lost savings, or any other direct, indirect, special, incidental, or consequential damages arising from the use or the inability to use the Software (even if we or an authorized dealer or distributor has been advised of the possibility of these damages), or any mistakes, errors, omissions, or negligence in developing the Software, or for any claim by any other party.   The organization, business, or person using this software bears all risks and responsibility for the quality and performance of the Software.

Microsoft® and Microsoft Excel® and Microsoft Word® are registered trademarks of Microsoft Corporation. Omega Companies, Inc. is not associated with Microsoft. 

Copyright 2013,  Omega Companies, Inc.. All rights reserved.