DYRD, LLC – Privacy Policy, Terms of Use, and Disclaimers

Effective Date: January 1, 2026 (Updated)

1. Overview

DYRD, LLC (“Company,” “we,” “us,” or “our”) provides cloud-based software applications, including:

  • HECM Tool (reverse mortgage analysis and presentation software)
  • My Perpetual Retirement Plan is available at PerpetualRetirement.com (financial modeling and retirement scenario planning software)

These applications are collectively referred to as the “Services.”

By accessing or using our Services, you agree to this Privacy Policy, Terms of Use, and all Disclaimers contained herein. If you do not agree, you must not use the Services.

2. ⚠️ Not Financial, Legal, or Tax Advice

All content, tools, calculators, reports, projections, simulations, and outputs within the Services are provided strictly for educational and illustrative purposes only.

Nothing contained in the Services constitutes:

  • Financial advice
  • Investment advice
  • Tax advice
  • Legal advice
  • Retirement planning advice
  • Or any form of professional advisory service

The strategies illustrated — including but not limited to:

  • Reverse mortgages (HECMs)
  • Bitcoin or digital asset allocation
  • Perpetual retirement income modeling
  • Debt restructuring or home equity utilization

involve complex financial decisions that depend entirely on your individual situation.

Use of the Services does NOT create:

  • A fiduciary relationship
  • An advisor-client relationship
  • A broker-client relationship
  • Any licensed financial relationship

3. Consult Qualified Professionals

Before making any financial decision, you should consult with appropriate licensed professionals, including:

  • Financial advisors
  • Tax professionals
  • HUD-approved HECM counselors
  • Estate planning attorneys

What may be suitable for one individual may be inappropriate for another.

4. Reverse Mortgage (HECM) Risk Disclosure

Reverse mortgages carry significant risks, including but not limited to:

  • Upfront costs: Fees, closing costs, and mortgage insurance premiums can be substantial
  • Compounding loan balance: The balance grows over time, reducing home equity
  • Foreclosure risk: Failure to maintain:
    • Property taxes
    • Homeowner’s insurance
    • Property condition
      may result in loan default and foreclosure
  • Impact on benefits: May affect eligibility for certain government programs
  • Occupancy requirements: Leaving the home as a primary residence (including long-term care) triggers repayment
  • Regulatory changes: HECM is federally regulated and subject to change at any time

5. Bitcoin & Digital Asset Risk Disclosure

Digital assets such as Bitcoin involve extreme risk, including:

  • High volatility: Prices can fluctuate dramatically in short periods
  • Regulatory uncertainty: Government actions may impact legality, taxation, or accessibility
  • Security risks:
    • Hacks
    • Exchange failures
    • Lost private keys (irreversible loss of funds)
  • No protections:
    • No FDIC insurance
    • No government backing
  • Collateral risk: Bitcoin-backed loans may be liquidated if value drops
  • Technology risk: Protocol changes or unforeseen vulnerabilities

Past performance does NOT indicate future results.

6. Projection, Simulation & Modeling Disclaimer

All projections within the Services are hypothetical and based on assumptions, including:

  • Interest rates
  • Home appreciation
  • Bitcoin growth rates
  • Market returns
  • Inflation

These assumptions:

  • May not reflect real-world outcomes
  • May be simplified or based on historical approximations
  • Are subject to change without notice

Monte Carlo simulations are statistical models — NOT predictions.

Actual results will vary, potentially significantly.

7. Educational Purpose of Software

Both:

  • HECM Tool
  • My Perpetual Retirement Plan (PerpetualRetirement.com) is only an educational financial visualization tool.

DYRD, LLC is NOT:

  • A Registered Investment Advisor (RIA)
  • A broker-dealer
  • A lender
  • A financial institution

8. Privacy Policy

8.1 Information We Collect

We may collect:

  • Personal information (name, email, contact details)
  • Financial inputs you voluntarily provide
  • Usage data and analytics
  • Device and browser data

8.2 How We Use Information

We use your data to:

  • Provide and improve Services
  • Generate reports and outputs
  • Communicate with users
  • Ensure system security and compliance

8.3 Data Security

We implement strong safeguards:

  • SSL/TLS encryption for all data transmission
  • Secure cloud infrastructure via Amazon Web Services (AWS)
  • Access controls and authentication protocols
  • Monitoring and auditing systems
  • Regular data backups for disaster recovery

8.4 Regulatory Compliance

We align with applicable laws, including:

  • Gramm-Leach-Bliley Act (GLBA)
  • General Data Protection Regulation (GDPR) (where applicable)
  • California Consumer Privacy Act (CCPA)

8.5 Data Responsibility

Users are responsible for:

  • Accuracy of data entered
  • Protecting login credentials

9. Terms of Use

9.1 Acceptance of Terms

By using the Services, you agree to these Terms.

9.2 Service Description

The Services provide tools for:

  • Reverse mortgage analysis
  • Retirement income modeling
  • Financial scenario visualization

9.3 User Responsibilities

You agree to:

  • Maintain account security
  • Provide accurate data
  • Use the Services only for lawful purposes

9.4 Access for Unlicensed Users

Users accessing through a third-party organization must:

  • Be affiliated with a licensed financial institution
  • Accept these Terms individually
  • Understand that access may be revoked at any time

9.5 Limited License

You are granted a:

  • Non-exclusive
  • Non-transferable
  • Revocable license

for personal or business use only.

9.6 Usage Restrictions

You may NOT:

  • Resell, copy, or distribute the software
  • Use without proper authorization
  • Misrepresent outputs as financial advice

9.7 Intellectual Property

DYRD, LLC owns all software, content, and materials.

9.8 Indemnification

You agree to indemnify DYRD, LLC against:

  • Claims
  • Damages
  • Legal costs

arising from your use of the Services.

9.9 Limitation of Liability

DYRD, LLC is NOT liable for:

  • Financial losses
  • Investment decisions
  • Errors in projections
  • Any direct or indirect damages

9.10 Termination

We may suspend or terminate access at any time for:

  • Violations of Terms
  • Security risks

9.11 Changes to Terms

We may update Terms at any time. Continued use = acceptance.

9.12 Governing Law

The laws of the State of Washington, United States, govern these Terms.

10. Contact Information

DYRD, LLC
4123 Burnham Drive
Gig Harbor, WA 98332
Email: contact@hecmtool.com

11. Final Acknowledgment

By using the Services, you acknowledge:

  • You understand all risks disclosed
  • You are using the tools for educational purposes only
  • You will consult qualified professionals before making decisions
  • You accept full responsibility for any actions taken based on outputs

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