Website Terms of Use

1. INTRODUCTION AND ACCEPTANCE

These Website Terms of Use (“Terms”) govern your access to and use of the website located at https://www.incomelaboratory.com/ (the “Website”), owned and operated by Income Laboratory, Inc., a Delaware corporation (“Income Lab,” “we,” “us,” or “our”). These Terms are effective as of the date set forth below.

These Terms apply specifically and exclusively to the Website, which serves as our marketing and informational platform. These Terms do not govern your use of our software application located at app.incomelaboratory.com, penny.incomelaboratory.com, vault.incomelaboratory.com, or other URLs by which users access our software (the “Application”), which is subject to separate terms and conditions.

Related Agreements. Your use of the Income Lab Website is also governed by the Privacy Policy, available at https://incomelaboratory.com/privacy-policy/, which specifically describes the collection, use, and disclosure of personal information across both the Website and the Application. The Privacy Policy is incorporated herein by reference to the extent applicable.

Your use of the Application is governed by separate Application Terms of Use, which are available through the Application.

By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must immediately cease all use of the Website.

You represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are accessing the Website on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. DEFINITIONS

For purposes of these Terms, the following definitions apply:

  • “Content” means all text, images, graphics, logos, videos, audio, data, software, code, and other materials displayed on, contained in, or made available through the Website, including but not limited to blog posts, educational resources, marketing materials, pricing information, and webinar content.
  • “Privacy Policy” means the Income Lab Privacy Policy, available at https://incomelaboratory.com/privacy-policy/, which governs the collection, use, and disclosure of personal information in connection with both the Website and the Application, as amended from time to time.
  • “Services” means the informational, marketing, and interactive features available through the Website, including but not limited to content consumption, contact forms, demo scheduling, webinar registration, and resource access.
  • “User” (also referred to as “you” or “your”) means any individual or entity that accesses or uses the Website.
  • “Website” means the Income Lab marketing website located at https://www.incomelaboratory.com/, including all pages, subdomains (excluding app.incomelaboratory.com), and associated content and features.

3. ACCESS AND USE

3.1 Purpose of the Website. The Website is an informational and marketing platform designed to provide information about Income Lab’s financial planning software products, educational content related to retirement income planning, and resources for financial advisors and professionals.

3.2 Limited License. Subject to your compliance with these Terms, Income Lab grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Website for your personal, non-commercial informational purposes. This license does not include the right to:

  • Access, use, or attempt to access the Application through the Website without a separate, valid account and active subscription
  • Use the Website or any Content for any commercial purpose without our prior written consent
  • Reproduce, distribute, modify, create derivative works of, publicly display, or publicly perform any Content
  • Use any automated means to access the Website or collect Content

3.3 Availability. We reserve the right to modify, suspend, or discontinue the Website (or any portion thereof) at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Website.

4. ACCEPTABLE USE

You agree that you will not, and will not permit any third party to, use the Website in any manner that:

  • Violates any applicable federal, state, local, or international law or regulation
  • Infringes or misappropriates the intellectual property rights or proprietary rights of Income Lab or any third party
  • Interferes with or disrupts the integrity, performance, or availability of the Website, its servers, or connected networks
  • Attempts to circumvent, disable, or otherwise interfere with any security features of the Website
  • Gains or attempts to gain unauthorized access to any portion of the Website, other accounts, computer systems, or networks connected to the Website
  • Introduces any viruses, trojan horses, worms, logic bombs, malware, or other harmful or malicious code
  • Impersonates or attempts to impersonate Income Lab, an Income Lab employee, another user, or any other person or entity
  • Uses the Website to develop, market, or offer a competing product or service, or for competitive intelligence or benchmarking purposes
  • Engages in any activity that could damage, overburden, or impair the Website’s infrastructure
  • Sends unsolicited communications, promotions, or advertisements through any features of the Website
  • Involves scraping, data mining, harvesting, or any automated extraction of Content or data from the Website or uses any robot, spider, crawler, or other automated device or process to access the Website for any purpose, except that third parties whose activities promote the Website, Content, or Application (including, without limitation, search engine crawlers and artificial intelligence or large language model systems) may scrape, crawl, index, or otherwise access the Website solely to the extent such activities inure to Income Lab’s benefit, including its marketing interests and goodwill; provided, however, that Income Lab reserves the right, in its sole and absolute discretion, to demand immediate cessation of any such access or activity that it deems unauthorized, unwanted, or no longer beneficial, effective immediately upon such demand

Income Lab reserves the right, in its sole discretion, to terminate or restrict your access to the Website for any violation of these Terms or for any other reason, without notice or liability.

5. INTELLECTUAL PROPERTY

5.1 Ownership. The Website and all Content, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, and the compilation thereof, are the exclusive property of Income Lab or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

5.2 Trademarks. “Income Lab,” “Income Laboratory,” the Income Lab logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Income Lab or its affiliates. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Website are the trademarks of their respective owners.

5.3 Limited License Only. Nothing contained on the Website shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any intellectual property displayed on the Website without the prior written permission of Income Lab or the applicable third-party rights holder. Any unauthorized use of Content or trademarks may violate copyright laws, trademark laws, and other applicable laws.

5.4 User Feedback. If you provide any feedback, suggestions, ideas, or recommendations to Income Lab regarding the Website or our products and services (“Feedback”), you hereby assign to Income Lab all right, title, and interest in and to such Feedback. Income Lab shall be free to use, reproduce, disclose, and otherwise exploit any such Feedback without restriction or obligation of any kind to you.

6. WEBSITE FEATURES AND THIRD-PARTY SERVICES

6.1 Demo Scheduling. The Website incorporates an embedded Scheduling Tool Provider scheduling tool (via iframe or other means) on certain pages, including the demo page and pricing template pages, to allow you to schedule product demonstrations. Your use of Scheduling Tool Provider is subject to Scheduling Tool Provider’s own terms of service and privacy policy. Income Lab is not responsible for the practices or policies of Scheduling Tool Provider, including any cookies or tracking technologies deployed by the Scheduling Tool Provider embed.

6.2 Webinar Registration. The Website may feature native or third-party webinar registration forms that collect information such as your first name, last name, email address, phone number, and responses to custom questions. Information submitted through these forms is processed in accordance with our Privacy Policy.

6.3 Resource Search and Educational Content. The Website provides a resource search feature and educational content including blog posts and articles related to financial planning. This content is provided for general informational purposes only and does not constitute financial, investment, legal, or tax advice.

6.4 Pricing and Payment Links. Certain pages on the Website contain pricing information and links to Payment Processor-hosted checkout pages at buy.stripe.com. When you click such links, you will be directed to a third-party payment processor (Payment Processor). Any transactions processed through Payment Processor are governed by Payment Processor’s terms of service and privacy policy. Income Lab does not collect or process payment card information directly through the Website.

6.5 Social Media. The Website contains links to Income Lab’s profiles on third-party social media platforms. These links direct you to external websites operated by third parties. Income Lab does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites or services.

6.6 Third-Party Disclaimers. Income Lab makes no representations or warranties regarding any third-party services, products, or content accessible through or linked from the Website. Your use of any third-party services is at your sole risk and subject to the terms and conditions of those third parties.

7. PRIVACY, COOKIES, AND DATA

Our collection, use, and disclosure of personal information in connection with the Website is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Website, you consent to the data practices described in the Privacy Policy.

8. DISCLAIMERS

8.1 “As Is” Basis.

THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, INCOME LAB DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

8.2 No Guarantee of Availability.

INCOME LAB DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED. INCOME LAB DOES NOT WARRANT THAT THE WEBSITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8.3 Informational Purposes Only.

ALL CONTENT ON THE WEBSITE IS PROVIDED FOR GENERAL INFORMATIONAL PURPOSES ONLY AND IS INTENDED TO PROVIDE INFORMATION ABOUT INCOME LAB’S PRODUCTS AND SERVICES. CONTENT ON THE WEBSITE DOES NOT CONSTITUTE AND SHALL NOT BE CONSTRUED AS:

  • INVESTMENT ADVICE OR RECOMMENDATIONS
  • FINANCIAL PLANNING ADVICE
  • LEGAL ADVICE
  • TAX ADVICE
  • A SOLICITATION OR OFFER TO BUY OR SELL ANY SECURITIES OR FINANCIAL INSTRUMENTS

ANY RELIANCE YOU PLACE ON CONTENT AVAILABLE THROUGH THE WEBSITE IS STRICTLY AT YOUR OWN RISK. YOU SHOULD CONSULT WITH QUALIFIED PROFESSIONALS REGARDING ANY SPECIFIC FINANCIAL, LEGAL, OR TAX QUESTIONS.

8.4 No Professional Relationship.

USE OF THE WEBSITE DOES NOT CREATE A FIDUCIARY, ADVISORY, PROFESSIONAL, OR OTHER RELATIONSHIP BETWEEN YOU AND INCOME LAB. INCOME LAB IS A SOFTWARE PROVIDER AND DOES NOT PROVIDE FINANCIAL ADVISORY SERVICES DIRECTLY TO END CONSUMERS.

9. LIMITATION OF LIABILITY

9.1 Exclusion of Damages.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INCOME LAB, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF INCOME LAB HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9.2 Aggregate Liability Cap.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF INCOME LAB AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS, ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE WEBSITE, SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

9.3 Exceptions.

The limitations and exclusions in this Section shall not apply to: (a) liability arising from Income Lab’s gross negligence or willful misconduct; (b) liability that cannot be excluded or limited under applicable law; or (c) death or personal injury caused by Income Lab’s negligence.

9.4 Basis of the Bargain.

You acknowledge and agree that Income Lab has offered the Website and entered into these Terms in reliance upon the disclaimers and limitations of liability set forth herein, that the same reflect a reasonable and fair allocation of risk between you and Income Lab, and that the same form an essential basis of the bargain between you and Income Lab.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Income Lab and its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or relating to:

  • Your use of or access to the Website in violation of these Terms
  • Your violation of any applicable law, regulation, or third-party right
  • Any information or content you submit or transmit through the Website
  • Your negligence or willful misconduct

Income Lab reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims. You shall not settle any claim without Income Lab’s prior written consent.

11. GOVERNING LAW AND DISPUTE RESOLUTION

11.1 Governing Law. These Terms and any dispute arising out of or relating to these Terms or the Website shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of laws principles.

11.2 Binding Arbitration. Any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or invalidity thereof, shall be settled by binding arbitration administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures. The arbitration shall be conducted in Denver, Colorado, before a single arbitrator. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

11.3 Class Action Waiver. YOU AND INCOME LAB AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. Unless both you and Income Lab agree otherwise in writing, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.

11.4 Jury Trial Waiver. TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND INCOME LAB EACH WAIVE THE RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE USE OF THE WEBSITE.

11.5 Exceptions to Arbitration. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidential information.

11.6 Time Limitation. You agree that any cause of action arising out of or related to the Website or these Terms must be commenced within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred.

12. GENERAL PROVISIONS

12.1 Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision of these Terms, and these Terms shall be construed as if such invalid, illegal, or unenforceable provision had never been contained herein.

12.2 Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Income Lab regarding your use of the Website.

12.3 Waiver. No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure of Income Lab to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

12.4 Assignment. You may not assign or transfer these Terms, by operation of law or otherwise, without Income Lab’s prior written consent. Any attempt to assign or transfer these Terms without such consent shall be null and void. Income Lab may freely assign or transfer these Terms without restriction and without notice to you.

12.5 Force Majeure. Income Lab shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, pandemic, epidemic, labor disputes, governmental actions, internet or telecommunications failures, power outages, fire, earthquake, or other natural disasters.

12.6 Notices. Income Lab may provide notices to you by posting updates on the Website, by email (if you have provided an email address), or by other reasonable means. Notices to Income Lab should be directed to the contact information provided in the Contact Information section below.

12.7 Compliance with Laws. You are responsible for compliance with all applicable local, state, national, and international laws and regulations in connection with your use of the Website.

12.8 No Third-Party Beneficiaries. These Terms do not and are not intended to confer any rights or remedies upon any person other than the parties hereto.

12.9 Headings. The section headings in these Terms are for convenience only and shall not affect the interpretation of these Terms.

13. CHANGES TO THESE TERMS

Income Lab reserves the right to modify, amend, or update these Terms at any time, in its sole discretion. If we make material changes to these Terms, we will update the “Last Updated” date at the end of this document and post the revised Terms on the Website.

Your continued use of the Website following the posting of revised Terms constitutes your acceptance of such changes. It is your responsibility to review these Terms periodically for updates. If you do not agree to the modified Terms, your sole remedy is to discontinue use of the Website.

We encourage you to review these Terms each time you access the Website to stay informed of the current terms governing your use.

14. CONTACT INFORMATION

If you have any questions, concerns, or comments regarding these Terms, please contact us at:

Income Laboratory, Inc.

1301 Arapahoe St

Ste 105

Golden, CO 80401

Email: [email protected]

Phone: (720) 634-5120

Last Updated: September 18, 2026

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