Terms of Service

Effective Date: January 21, 2026

Welcome to Six Futures (“Six Futures,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of the Six Futures website located at www.sixfutures.com, along with any content, tools, calculators, reports, data visualizations, features, newsletters, or other services provided through the site (collectively, the “Services”).

By accessing, browsing, or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you should not access or use the Services.

These Terms should be read together with our Privacy Policy, which explains how we collect, use, and protect personal information.

 

1. Purpose and Scope of the Services

Six Futures is an educational and research-driven platform focused on financial literacy, economic systems, and risk awareness. Our goal is to help individuals better understand how money, markets, institutions, and policies affect everyday life.

The Services are designed to provide:

• General educational content

• High-level analysis and context

• Tools intended to support understanding, not decision-making

• Aggregated insights into financial and economic systems

The Services are not designed to replace professional judgment or personalized financial planning, and they do not account for individual financial circumstances.

 

2. No Financial, Investment, Legal, or Tax Advice

Six Futures is not a financial advisor, investment advisor, broker-dealer, tax advisor, or legal advisor.

All information provided through the Services, including articles, commentary, tools, calculators, reports, examples, and illustrations, is provided solely for general informational and educational purposes.

Nothing on the Services constitutes:

• Personalized financial advice

• Investment recommendations

• Legal or tax advice

• An offer or solicitation to buy or sell securities or financial products

We do not assess your individual financial situation, objectives, risk tolerance, or needs. Any decisions you make based on information from the Services are made entirely at your own discretion and risk.

You should consult qualified professionals, such as licensed financial advisors, accountants, or attorneys, before making financial, investment, or legal decisions.

No advisor-client, fiduciary, or professional relationship is created by your use of the Services.

 

3. Use of Educational Tools and Calculators

Six Futures may offer interactive tools, calculators, estimators, or planners, including but not limited to:

• Budgeting tools

• Debt payoff calculators

• Retirement or savings estimators

• Scenario modeling tools

These tools are provided to help users explore concepts and understand potential relationships between inputs and outcomes. They are based on assumptions, user-provided data, and simplified models.

Accordingly:

• Outputs are estimates only

• Results may not reflect real-world outcomes

• Tools do not account for all variables, constraints, or risks

• No guarantees are made regarding accuracy or applicability

 

The tools are not substitutes for professional advice and should not be relied upon as the sole basis for financial decisions.

4. Assumption of Risk

Financial decisions inherently involve uncertainty and risk. Economic conditions, market dynamics, regulatory environments, and personal circumstances can change rapidly and unpredictably.

By using the Services, you acknowledge and agree that:

• Past performance or historical examples do not guarantee future results

• Illustrative examples are hypothetical and simplified

• Any action you take based on the Services is taken at your own risk

Six Futures does not accept responsibility for financial losses, opportunity costs, or other consequences arising from reliance on information provided through the Services.

5. Third-Party Content, Links, and Affiliate Relationships

The Services may include links to third-party websites, products, services, tools, or content. These links are provided for informational purposes or convenience only.

Six Futures does not control, endorse, or assume responsibility for:

• Third-party content or accuracy

• External websites or services

• Products or services offered by third parties

Any interaction, transaction, or agreement between you and a third party is solely between you and that third party.

 

Affiliate and Referral Disclosure

In the future, Six Futures may receive compensation, including affiliate or referral fees, from third-party products or services referenced or linked on the site.

Such compensation may occur at no additional cost to you. While we aim to reference products or services we believe may be relevant or useful, we do not guarantee their quality, suitability, or performance and assume no responsibility for third-party offerings.

 

6. User Eligibility and Age Requirements

The Services are intended primarily for users located in the United States.

You must be at least 13 years of age to use the Services. If you are under the age of 18, you may only use the Services with the involvement and consent of a parent or legal guardian.

We do not knowingly provide Services directed to children under 13, consistent with our Privacy Policy and applicable law.

 

7. Accounts, Memberships, and Future Features

At present, access to most of the Services does not require creating an account.

Six Futures may introduce additional features in the future, including:

• User accounts

• Paid memberships or subscription programs

• Gated or premium content

• Community or research access

If such features are introduced, additional terms or conditions may apply. You will be notified of any material changes or additional requirements at that time.

8. Intellectual Property and Use Restrictions

All content, materials, designs, tools, text, graphics, logos, and data available through the Services are owned by or licensed to Six Futures and are protected by intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial purposes.

You may not:

• Reproduce or distribute content without permission

• Modify or create derivative works

• Use content for commercial purposes

• Scrape, mine, or systematically extract data

9. Disclaimer of Warranties

The Services are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Six Futures disclaims all warranties, express or implied, including warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, secure, or current.

10. Limitation of Liability

To the fullest extent permitted by law, Six Futures shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of, or inability to use, the Services.

This includes, without limitation:

• Financial losses

• Lost profits or opportunities

• Data loss

• Decisions made based on the Services

If liability is found notwithstanding the foregoing, Six Futures’ total liability shall not exceed the amount paid by you to Six Futures, if any, in the twelve months preceding the claim.

 

11. Indemnification

You agree to indemnify, defend, and hold harmless Six Futures and its officers, employees, contractors, and affiliates from any claims, liabilities, damages, losses, or expenses arising from:

• Your use of the Services

• Your violation of these Terms

• Your violation of applicable law or third-party rights

12. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law principles.

Any disputes arising from or related to these Terms or the Services shall be brought exclusively in the state or federal courts located in Wyoming.

13. Changes to These Terms

We may revise these Terms from time to time. Updates will be reflected by a revised effective date.

Continued use of the Services after changes are posted constitutes acceptance of the updated Terms.

14. Contact Information

For questions regarding these Terms, please contact:

Six Futures

Email: info@sixfutures.com

Website: www.sixfutures.com