Terms

Terms of Sale & License

Effective July 25, 2026 · Kalman Software LLC

Who you're buying from

RangefinderInvest is made and sold by Kalman Software LLC, a Colorado limited liability company based in Fort Collins, Colorado. Throughout this page, "we" and "us" mean Kalman Software LLC, and "you" means the person or business buying the license.

The sale runs through Stripe, acting as our merchant of record: Stripe is the seller on the transaction, takes the payment, and is responsible for collecting and remitting sales tax or VAT wherever you are. Your card details go to Stripe and never to us — we never see or store a card number. Checkout is branded Link, Stripe's consumer checkout, so that is the name on your receipt and statement. Your licence and your support come from us and we can refund you directly; Link's own support can also refund a purchase, and Stripe handles any card dispute.

The free trial

Every download includes a 30-day trial with every feature unlocked — the full app, including the projection engine and every optimizer. It needs no card, no account, and no sign-up of any kind.

When the trial ends, RangefinderInvest stays open read-only. Your accounts, holdings, models, and plans remain visible and exportable — your data is never held hostage — but changes and new work wait until a license is activated.

What a license gives you

Buying a license gives you a perpetual, non-exclusive right to use RangefinderInvest for as long as you like. There is no subscription, no renewal, and no expiry date. Specifically:

• The license covers the current major version and every update within it — bug fixes, improvements, and new features — at no further cost.
• It is verified offline, on your machine. Activating contacts no server, and no server can switch it off, including ours.
• You can move it to a new machine, and use it on macOS, Windows, or Linux as those builds ship. It's tied to you, not to hardware or one platform.
• You may use it for your own household's finances, whether personally or through your own business entity.

The license is for you. Please don't share your key publicly, resell it, or hand it around a firm or investment club — if you need several people covered, email us and we'll sort something out. You also agree not to reverse-engineer the app to work around licensing, and not to strip or forge the license mechanism itself.

You are buying a license to use the software, not the software itself. Kalman Software LLC keeps ownership of RangefinderInvest and everything in it. Market data shown in the app comes from providers with their own terms — it's for your personal use, not for redistribution.

Installing from the Microsoft Store changes nothing here: the Store handles the download and updates, the same 30-day trial applies, and the same license key activates it.

What "major version" means

A major version is the first number in the release — 1.x, 2.x, and so on. Your license covers every release that shares its first number: buy during 1.x and 1.1, 1.7 and 1.12 are all included, free.

A future 2.0 would be an optional paid upgrade, not a forced one. Your 1.x license keeps working on 1.x forever; nothing stops, degrades, or nags you into upgrading. We'd only ship a 2.0 for work substantial enough to be worth charging for, and existing owners get an upgrade price.

Refunds

The 30-day trial exists precisely so nobody has to buy on faith — you can run every feature against your own portfolio before paying a cent. The refund window is the backstop for the case the trial didn't catch.

Refunds go back to the card you paid with, usually within a few business days once issued (your bank sets the exact timing). Sales tax collected on the order is refunded along with it. After a refund, the license key stops being licensed to you — please remove it from your machines. Your portfolio data is yours and stays on your computer either way; a refund never touches it.

Past 30 days, email anyway. We'd rather sort out a real problem than hold onto money from someone who isn't using the software.

If something looks wrong on your card statement, please email us before disputing it with your bank — our checkout runs through Link, Stripe's checkout service, so the charge appears as LINK.COM* plus a short form of the name of the company that makes RangefinderInvest, rather than the app's own name. Nearly every dispute we could receive is something a single reply would have fixed faster.

Built for US investors — read this before buying

We'll sell RangefinderInvest to anyone, anywhere; Stripe handles the tax wherever you are. But you should know what the app assumes before you pay for it.

The retirement planning is built around the US system — federal tax brackets, Social Security, RMDs, ACA subsidies and IRMAA. Those aren't a setting you can switch; they're the model. If you don't file US taxes, the projection side won't describe your situation, and we'd rather say so here than refund you later.

The portfolio side works anywhere: accounts, holdings, target allocations, drift, and the exact Add / Reduce moves to get back on plan care nothing for which country you're in. Plenty of people buy it for that alone — including US citizens living abroad, for whom the retirement modelling is often exactly right.

Either way, the 30-day trial answers this in an evening, before any money changes hands. Run it against your own accounts and you'll know.

Price and tax

Prices are in US dollars and shown before you pay; your card issuer handles any currency conversion at its own rate. Sales tax, VAT or GST is calculated at checkout based on where you are, wherever the jurisdiction requires it. Any tax shown is collected and remitted by Stripe as merchant of record — not by us.

Launch pricing is exactly that: an introductory price can end, and a higher price applies afterward. Whatever you paid is what your perpetual license cost — later price changes never reach back to a license already bought.

Not financial advice

RangefinderInvest is a calculator for a plan you design. It shows illustrative Add / Reduce moves toward a target allocation you set, and hypothetical projections from assumptions you enter. It is not financial, investment, tax, or legal advice; we are not your broker, investment adviser, or accountant; and nothing in the app is a recommendation to buy or sell any security.

It has no brokerage connection: no login, no linked account, no order routing. It never places a trade, moves money, or holds custody of anything — you place every order yourself. Projections are simulations, not forecasts; the tax model is a documented simplification; and past performance, including any backtest the app runs, does not predict future results. Confirm prices, tax lots, wash-sale rules, and suitability with your broker, CPA, or advisor before acting.

Your data

Your portfolio lives in a database file on your own machine. We have no copy and no access. From a purchase we receive your name, email address, and order details — enough to issue your license, email it to you, and support you afterward. The full detail is in the Privacy Policy, which is part of these terms.

Support

Support is email, and it reaches the person who wrote the software: [email protected]. There's no ticket queue and no tier you have to pay for. We aim to answer within a couple of business days.

Warranty disclaimer

We build this carefully and use it ourselves, but the software is provided "as is," without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that RangefinderInvest will be uninterrupted, error-free, or that every number it computes is correct for your situation. Verify anything that matters — figures that drive an investment decision, and anything going on a tax return — against your broker's own statements and a professional.

Some states don't allow certain warranty exclusions, so parts of this may not apply to you.

Limits of liability

To the fullest extent the law allows, Kalman Software LLC is not liable for investment losses, lost profits, lost data, or any indirect, incidental, special, or consequential damages arising from your use of RangefinderInvest — even if we were told such damages were possible. Our total liability for any claim relating to the software or these terms is limited to the amount you paid us for the license.

That limit is a deliberate part of a one-time price in the low hundreds: it's what makes it possible to sell a serious tool at that number rather than at enterprise rates. Some states don't allow certain limitations, so parts of this may not apply to you.

If these terms change

We may update these terms — for a new product, a changed refund process, or plain clarity. The terms in force when you bought are the ones that govern your purchase and your license; a later change can't retroactively narrow what you already paid for. Changes take effect for new purchases when posted here, and the effective date at the top changes with them.

Governing law

These terms are governed by the laws of the State of Colorado, without regard to its conflict-of-laws rules, and any dispute belongs in the state or federal courts located in Larimer County, Colorado. If any provision here is unenforceable, the rest stays in force.

Nothing in these terms takes away rights your state's consumer-protection law gives you and doesn't allow to be waived.

Contact

Questions about any of this — before or after buying — go to the person who built it:

Kalman Software LLC · Fort Collins, Colorado · [email protected]