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Terms of Service

Last updated: June 28, 2026

By using any service operated by Yellow Sun Systems ("we," "our," or "us"), including DreamZone, The Writing Sessions, and Monaco (collectively, "the Services"), you agree to these Terms of Service. If you do not agree, do not use the Services. Section 5 contains terms specific to Monaco that override anything to the contrary elsewhere in this document for Monaco use.

1. Description of Services

Yellow Sun Systems operates the following services:

All Services are provided "as is."

2. Account and Authentication

3. Your Content

4. AI Analysis (DreamZone)

5. Monaco — Financial Planning Tool

The following terms apply specifically to your use of Monaco. They override any conflicting general language elsewhere in this document for Monaco use.

5.1 Educational illustration only — not advice of any kind

Monaco is an educational simulation tool. Nothing Monaco displays is investment advice, tax advice, legal advice, accounting advice, estate-planning advice, insurance advice, or a personalized recommendation of any kind. Monaco generates illustrative figures by running Monte Carlo simulations against the assumptions you enter. Real outcomes will differ. You should consult a licensed professional (such as a Certified Financial Planner, Certified Public Accountant, or attorney admitted in your jurisdiction) before making any decision affecting your finances, taxes, estate, or insurance.

5.2 No fiduciary, advisory, or professional-client relationship

Your use of Monaco does not create a fiduciary relationship, an investment-adviser / client relationship, a tax-preparer / taxpayer relationship, an accountant / client relationship, an attorney / client relationship, or any other professional-services relationship between you and Yellow Sun Systems. Yellow Sun Systems is not registered as an investment adviser with the U.S. Securities and Exchange Commission or with any state securities regulator, is not a Certified Public Accountant or tax-return preparer, and is not a law firm. Monaco does not provide "investment advice" within the meaning of the Investment Advisers Act of 1940 § 202(a)(11) or any equivalent state statute, does not engage in "practice before the Internal Revenue Service" within the meaning of Treasury Department Circular 230 (31 CFR Part 10), and does not engage in the practice of law.

5.3 No warranty of accuracy or currency (especially tax data)

Monaco's tax tables, brackets, thresholds, rates, exemptions, Medicare IRMAA tiers, Social Security parameters, and state-specific schedules reflect our best understanding of the rules as of the build date displayed in Monaco's About dialog. Tax law, regulatory thresholds, and state rules change frequently and we do not guarantee that any number used by the simulator is current as of your planning date or your filing year. We disclaim any warranty of accuracy, currency, completeness, fitness for a particular purpose, or non-infringement with respect to Monaco's tax tables, simulation outputs, optimizer results, sensitivity analyses, and any other figure the app displays. Forty-six U.S. states are modeled with simplified flat effective rates; the four graduated-bracket states (California, New York, Hawaii, Oregon) use bracket schedules whose effective dates are documented in the in-app Tax Rules reference. You must not rely on Monaco for return preparation, withholding decisions, or any other actual tax compliance task.

5.4 The "Find Best Plan," "Max Spending," and "When Can I Retire?" outputs are search results, not recommendations

Monaco's optimizers explore the configuration space you select and report the highest-scoring searched configuration under your selected objective and your stated assumptions. The result is a search output, not a recommendation. The app does not know your full financial, family, health, legal, or risk situation. The "% Chance of Success" gauge, the "% Success" column, and any single-number summary are modeled estimates conditional on your assumptions and the random draws of a Monte Carlo simulation, and the same plan can move by several percentage points across simulation runs.

5.5 You must be at least 18 years old to use Monaco

Notwithstanding the 13+ minimum elsewhere in these Terms, Monaco is a financial-planning tool intended for adults. You represent that you are at least 18 years old (or the age of majority in your jurisdiction, whichever is greater) when you use Monaco.

5.6 Your reliance is at your own risk

You acknowledge and agree that any decision you make in reliance on Monaco — including but not limited to decisions about retirement timing, Social Security claim age, Roth conversion amount, withdrawal order, asset allocation, glide path, state of residence, sale of a residence, gifting strategy, irrevocable-trust funding, Medicare timing, spending level, or insurance coverage — is your own decision, made at your own risk, after consulting your own licensed professional. To the fullest extent permitted by law, Yellow Sun Systems disclaims any liability for the consequences of any such decision.

5.7 Limitation of liability and aggregate cap (Monaco)

To the fullest extent permitted by applicable law, Yellow Sun Systems, its founders, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages of any kind — including but not limited to lost retirement savings, lost income, missed Roth-conversion windows, additional tax owed, penalties, interest, lost opportunity, mental anguish, or any other economic or non-economic loss — arising out of or related to your use of Monaco or your reliance on any number Monaco displays. Our aggregate liability to you for all claims arising from Monaco, whether in contract, tort (including negligence), strict liability, or any other theory, shall not exceed one hundred U.S. dollars (US$100). This cap applies even though Monaco is provided to you free of charge; the consideration for this cap is our making Monaco available without a paywall. Some jurisdictions do not allow the exclusion or limitation of certain damages, in which case the foregoing limitations apply to the maximum extent permitted by law.

5.8 Indemnification

You agree to indemnify, defend, and hold harmless Yellow Sun Systems and its founders, employees, contractors, and affiliates from and against any third-party claim, demand, loss, liability, damage, judgment, settlement, fine, cost, or expense (including reasonable attorneys' fees) arising out of or related to (i) a decision you made in reliance on Monaco, (ii) advice you gave to another person based on Monaco's output, or (iii) your breach of these Terms.

5.9 Governing law, venue, and arbitration

These Terms, and any dispute arising out of or related to Monaco, are governed by the laws of the State of Washington, United States, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Binding arbitration; class-action waiver. Any dispute, claim, or controversy arising out of or relating to Monaco or these Terms (including the validity of this arbitration clause) shall be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, seated in King County, Washington, with one arbitrator. You and Yellow Sun Systems each waive any right to a jury trial and any right to participate in a class action, class arbitration, or representative action. Notwithstanding the foregoing, either party may bring an individual action in small-claims court for any matter within that court's jurisdiction, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property rights. If a court finds the class-action waiver unenforceable as to any claim, that claim (and only that claim) shall be severed and proceed in court; the remainder shall continue in arbitration.

30-day opt-out right. You may opt out of the arbitration and class-waiver provisions of this Section 5.9 by sending a signed written notice to legal@yellowsunsystems.com within 30 days of your first use of Monaco. The notice must include your name and a clear statement that you opt out of arbitration. Opting out does not affect any other provision of these Terms.

5.10 No medical, psychological, insurance, or actuarial advice

Monaco models longevity using actuarial mortality tables and Medicare eligibility using age thresholds. These are statistical conveniences and are not medical, psychological, insurance underwriting, or actuarial advice. Your actual lifespan, health-care needs, insurability, and insurance pricing depend on factors Monaco does not model.

5.11 Open-source / third-party data attribution

The Monaco app uses publicly available U.S. federal data (Internal Revenue Service revenue procedures, Centers for Medicare & Medicaid Services fact sheets, Social Security Administration mortality tables) and cites secondary sources (Tax Foundation, Kiplinger) in its in-app Tax Rules reference. Such data is reproduced for illustrative purposes only; consult the original primary sources for authoritative information.

6. Acceptable Use

You agree not to:

7. Limitation of Liability (General)

For Monaco, the Monaco-specific limitation of liability in Section 5.7 controls. For DreamZone and The Writing Sessions, the following applies to the fullest extent permitted by law:

8. Data and Backups

While we take reasonable measures to protect your data, you are encouraged to use data export features (where available) to maintain your own backups. We are not responsible for data loss. For Monaco specifically, your plan lives in your browser's local storage; use File → Save As to export a JSON backup.

9. Termination

10. Changes to These Terms

We may update these Terms from time to time. Continued use of a Service after changes constitutes acceptance of the new Terms. We will update the "Last updated" date when changes are made.

11. Governing Law (General)

For Monaco, the Monaco-specific governing-law, venue, and arbitration provisions in Section 5.9 control. For DreamZone and The Writing Sessions, these Terms are governed by the laws of the United States and disputes shall be resolved in the courts of the applicable jurisdiction.

12. Contact

Questions about these Terms? Contact us at: legal@yellowsunsystems.com