1. Who we are
The Informed Expat (theinformedexpat.com, the "Service") is operated by The Informed Expat LLC, a Georgia limited liability company at 300 Kemp Road, Suwanee, GA 30024 ("we", "us"). When you use the Service, your agreement is with us.
We are the seller of your subscription. Card payments are processed by Stripe, and Stripe's terms also apply to processing your payment.
By creating an account or using the Service, you agree to these Terms. If you don't agree, please don't use the Service.
2. What the Service is, and what it isn't
The Service is a planning and research tool. It runs retirement simulations from the figures you enter and the country data we publish, and it provides country playbooks describing practical steps such as residency, banking and healthcare.
The Service does not give financial, investment, tax, legal or immigration advice. We are not your financial adviser, tax preparer, lawyer or immigration consultant, and using the Service creates no advisory or fiduciary relationship. Nothing in the Service recommends that you buy, sell or hold any investment, take any tax position, or move to any country.
Simulation results are illustrations, not predictions. They depend entirely on the inputs and assumptions used, and real outcomes will differ, sometimes by a lot. Please talk to qualified, licensed professionals before making financial, tax, immigration or relocation decisions.
3. Your account
You must be at least 18. Please give accurate account information, keep your password private, and tell us at support@theinformedexpat.com if you think someone else has used your account. You're responsible for activity under your account. We may suspend or close an account that breaks these Terms or where the law requires it.
4. Country data and its limits
We publish figures and descriptions for each country, such as tax rules, visa income requirements, healthcare costs and price levels. We work to source each figure from official or reputable sources. The Service shows where each figure comes from and when it was last checked, and labels figures that are awaiting review or are estimates.
Even so, we don't guarantee that any figure or description is accurate, complete, current or right for your situation. In particular:
- Tax, immigration and healthcare rules change often, sometimes without notice, and frequently depend on personal details the Service doesn't capture.
- When our data is updated, your saved plans run on the newest data, and the Service highlights what changed so you can review it.
- Nothing in the Service confirms that you qualify for any visa, residence permit, tax treatment or healthcare system.
Please check any figure you plan to rely on with the official source or a qualified professional. Each playbook step has feedback buttons; if something looks wrong or out of date, telling us helps everyone.
5. Your information
You own the information you enter. You let us store and process it only to run the Service for you, and to improve the Service using data that has been de-identified or combined so it no longer identifies you. We don't sell your information, and we don't send it to any company to train AI models. Our Privacy Policy explains what we collect and why.
Please don't enter someone else's financial information without their permission.
6. Acceptable use
You agree not to: use the Service unlawfully; try to access anyone else's account or data; probe or test our security without our written permission; scrape, bulk-copy or republish our country data or playbooks; resell the Service; interfere with how it runs; or use it to give regulated advice to others unless you're licensed to do so and take full responsibility for it.
7. Plans, prices and renewal
| Plan | Price | Includes |
|---|---|---|
| Free | $0 | United States and Thailand data and playbooks; 30 simulation runs a calendar month; save and compare plans |
| Paid | $39 a month or $149 a year | Every published country's data and playbooks; 300 simulation runs a calendar month |
Run allowances are a hard limit: when you reach yours, new runs pause until the next month, and we never charge per run.
Paid plans renew automatically at the then-current price until you cancel. By subscribing, you authorize us to charge your payment method every month or every year, whichever you chose, until you cancel. You can cancel online at any time from your account ("Manage billing or cancel"). For yearly plans, we'll email you a reminder before each renewal.
Paid plans are available to customers with a US billing address. Prices are in US dollars; where we're required to collect sales tax, it's shown at checkout. If we raise the price of an existing plan, the new price starts at your next renewal, and we'll email you at least 14 days beforehand so you can cancel first.
8. Cancelling, refunds and your data
You can cancel any time from your account. Cancelling stops the next charge, and you keep access until the end of the period you've paid for. Refunds are covered by our Refund Policy.
After your plan ends or you close your account, your account, plans and personal details are frozen and then permanently deleted 30 days later. You can ask us to delete them sooner. Deletion can't be undone, so download anything you want to keep first.
9. Changes to the Service
We aim to keep the Service available but can't promise it will always be uninterrupted or error-free. We may change, pause or remove features. If a change significantly reduces what a paid plan includes, we'll give you reasonable notice and you may cancel.
10. Disclaimer
To the fullest extent the law allows, the Service and its content are provided "as is" and "as available", without warranties of any kind, including merchantability, fitness for a particular purpose, non-infringement, or the accuracy, reliability or completeness of country data or results.
11. Limit of liability
To the fullest extent the law allows:
- We aren't liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, savings or investment returns, taxes, penalties, or losses from any relocation, visa, property, tax or investment decision.
- Our total liability for any claim relating to the Service is limited to the greater of what you paid us in the 12 months before the claim arose, or the price of one month's subscription.
- Nothing here limits liability that the law doesn't allow us to limit, such as for fraud.
12. Indemnity
You agree to cover our losses from claims caused by your breach of these Terms or your unlawful use of the Service.
13. Changes to these Terms
We may update these Terms. For significant changes, we'll notify you by email or in the Service before they take effect. Continuing to use the Service after that means you accept the updated Terms.
14. Governing law
These Terms are governed by the laws of the State of Georgia, USA. Disputes will be heard in the state or federal courts serving Forsyth County, Georgia, without affecting any right you have as a consumer to bring a claim where you live.
15. Contact
The Informed Expat LLC, 300 Kemp Road, Suwanee, GA 30024 · support@theinformedexpat.com