MangoDime

Terms of Service

Last updated October 13, 2026

These are the terms for using MangoDime. They're written to be read. If you use MangoDime, you're agreeing to them. If you don't agree, please don't use it.

1. What MangoDime is

MangoDime is planning software. It estimates what your savings could produce in retirement and shows how different choices compare, using the numbers you enter and simulations built from historical market data.

It is not investment, tax, or legal advice. We don't know your full situation, we don't recommend investments or products, and nothing on the site is a recommendation to buy, sell, hold, convert, or claim anything. The results are estimates, not predictions or guarantees, and past market returns don't tell you what future returns will be. For decisions, talk to a qualified professional who knows your circumstances.

We are not a registered investment adviser, broker-dealer, tax preparer, or law firm.

2. Who can use it

You must be at least 18 and able to enter a contract. MangoDime is built around U.S. tax and Social Security rules; if you live elsewhere, the results may not apply to you.

3. Your account

You sign in with a one-time email link or Google. There's no password. You're responsible for keeping your email account secure and for what happens under your MangoDime account. Tell us at contactus@mangodime.com if you think someone else has used it.

One account per person. A Plus subscription includes a partner/spouse seat — a second login for one other adult in your household — and that's the only sharing allowed.

4. Your data

What we collect and what we do with it is in our Privacy Policy, which is part of these terms. In short: the numbers you enter stay yours; we use them to calculate your results and to decide which reminders to send you; we don't sell them or share them for advertising; you can delete everything from your Profile page.

The plan you build is yours. If you cancel Plus, you keep your plan and your free results.

5. Free and Plus

The free tier is free and doesn't require payment details. Plus is a paid subscription. What each includes is described on the site when you buy. We add to Plus over time. If we ever need to remove a feature from Plus, we'll do it at the end of your current billing period, not in the middle of it: what you bought stays available until your next renewal, and we'll tell you before the change so you can decide whether to renew.

6. Paying for Plus

  • Price and billing. Plus is billed once a year, in advance, at the price shown when you buy ($100 a year today). Prices are in U.S. dollars. Payments are processed by Stripe, and we don't store your card details.
  • Renewal. Your subscription renews automatically each year at the price then in effect for your account. We'll email you at least 14 days before each renewal with the date and the amount.
  • Canceling. You can cancel renewal at any time with Manage billing on your Plus membership page. You keep Plus until the end of the period you've paid for, then your account moves to the free tier with your plan intact.
  • Refunds. Plus is non-refundable, except: a duplicate purchase; a billing error on our side; or a renewal charge you report within 7 days and haven't used Plus since. We don't prorate partial years. Outside these cases, refunds are at our discretion.
  • Founding members. While the offer is open, the first 20 founding members get Plus free for one year with no card. It ends after that year unless you subscribe, and we'll email you 14 days before it does. The next 30 get their first year free on a subscription that then renews as described above. A spot is for one account with a saved plan, and we'll ask you once for your feedback. We may close the offer at any time; a spot already given is kept.
  • Disputed payments. If a payment for Plus is disputed with your card issuer, we'll email you and turn off renewal. If the dispute is still open 7 days later, Plus is paused and your account moves to the free tier with your plan intact. If the dispute is decided in our favor, Plus is restored for the rest of the period you paid for. You can subscribe again at any time.
  • Price changes. We may change the price for future periods. We'll email you at least 30 days before a change affects you.
  • Taxes. Prices don't include sales tax or VAT. Where it applies, Stripe adds it at checkout.

7. Referrals and affiliates

Our referral program is governed by the referral terms, which set out when a credit is issued, canceled or reversed. Credits have no cash value and can't be transferred. Self-referrals, referrals within your own household, and automated or fraudulent referrals earn nothing and may result in account closure.

Affiliates are governed by a separate affiliate agreement.

8. Acceptable use

Use MangoDime for your own household's planning. Don't: use it to provide advice to clients or the public without a separate agreement with us; copy, scrape, or reverse-engineer the service or its simulations; probe or disrupt it; enter data about people who haven't agreed to it; or use another person's account. We can suspend or close accounts that break these terms.

9. Ask MangoDime (AI features)

If your tier includes AI features, they explain your own plan and run comparisons on it. They can be wrong. They don't give advice, and their answers are subject to everything in section 1. Usage is limited per tier — 3 questions a day on the free tier, 30 a month on Plus — and we may throttle or pause AI features to control abuse or cost. Your conversations are stored with your account and deleted with it, and are not used to train public models.

10. Our content

The site, the software, the simulations, and our written content belong to us or our licensors. You may use them as part of using the service and share your own results. You may not resell or republish our content. Articles on the site are general information, not advice.

11. Availability and changes

We work to keep MangoDime available and accurate, and we'll fix errors we find, but we don't promise it will be uninterrupted or error-free. We may change or discontinue features. If we discontinue Plus entirely, we'll refund the unused portion of any period you've paid for.

12. Disclaimers

MangoDime is provided “as is.” To the extent the law allows, we make no warranties, express or implied, including about accuracy, fitness for a particular purpose, or non-infringement. You use the results at your own risk, and you're responsible for decisions you make.

13. Limits on our liability

To the extent the law allows, Northstar Digital LLC isn't liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, savings, or data, arising from your use of MangoDime. Our total liability to you for any claim is limited to the amount you paid us in the 12 months before the claim. Some places don't allow these limits, so they may not apply to you.

14. Disputes

These terms are governed by the laws of the State of California. Before starting any legal claim, email us and give us 30 days to sort it out. Any claim that can't be resolved will be brought in the state or federal courts in Orange County, California, and each of us agrees to that venue.

15. Changes to these terms

If we change these terms in a way that matters, we'll email account holders and update the date at the top at least 14 days before the change takes effect. Continuing to use MangoDime after that is agreement to the new terms.

16. Contact

Questions about these terms: contactus@mangodime.com. Northstar Digital LLC, Laguna Beach, California.