The Best Third – Terms of Service

Last Revised: October 10, 2025

Welcome to The Best Third (“TBT,” “we,” “our,” or “us”). TBT is owned and operated by Useful Work, Inc. d/b/a The Best Third, a Washington corporation (“Useful Work”). By using our website, software, or related materials (collectively, the “Service”), you agree to these Terms of Service (“Terms”). Please read them carefully. If you do not agree to these Terms, you may not use the Service.

1. Purpose of the Service

TBT provides software and educational information to help users understand retirement income and financial planning concepts. TBT does not provide investment, financial, legal, or tax advice. No information provided on or through TBT should be construed as a personalized recommendation or as a substitute for advice from a qualified professional.

2. License and Permitted Use

We grant you a limited, revocable, nonexclusive, and nontransferable right to access and use TBT for your own personal or professional educational purposes. You agree not to:

  • Copy, reproduce, modify, distribute, or publicly display any part of TBT or its content.
  • Use TBT to develop, train, or improve a competing product or service.
  • Use TBT or its outputs on behalf of others in exchange for a fee or other compensation.
  • Share your login credentials or allow others to access your account.
  • Reverse engineer, decompile, or attempt to extract the source code or algorithms of TBT.
  • Financial advisors may use TBT in the ordinary course of advising clients or prospective clients, but may not charge any additional fee specifically for the use of TBT or for access to its results.

3. Ownership and Intellectual Property

All software, algorithms, text, graphics, visual design, and other materials provided through the Service are the property of Useful Work, Inc. or its licensors, and are protected by U.S. and international intellectual property laws. Except as expressly permitted in Section 2, no license or ownership right is transferred to you. All rights are reserved.

4. Changes to the Service

We may modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation.

5. Disclaimers

The Service is provided “as is” and “as available.” We make no warranties of any kind, express or implied, including any warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not guarantee that the Service will be uninterrupted, secure, or error-free.

6. Limitation of Liability

To the fullest extent permitted by law, Useful Work, Inc., its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, data, or goodwill arising from or related to your use of or inability to use the Service. If we are found liable despite these limitations, our total liability will not exceed $100 (one hundred U.S. dollars), regardless of the cause of action.

7. Indemnification

You agree to indemnify and hold harmless Useful Work, Inc. and its affiliates, directors, officers, and employees from and against any claims, damages, or expenses arising out of your violation of these Terms or misuse of the Service.

8. Changes to These Terms

We may amend these Terms at any time by posting an updated version on our website with a new “Last Revised” date.  Your continued use of the Service after such updates constitutes your acceptance of the revised Terms.

9. Governing Law and Venue

These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-law rules. Any disputes arising under or related to these Terms shall be resolved exclusively in the state or federal courts located in Boulder County, Colorado, and you consent to their jurisdiction and venue.

10. Privacy Policy

TBT’s Privacy Policy is at https://www.thebestthird.com/privacy-policy/

11. Contact Us

If you have any questions about these Terms, please contact us at: support@thebestthird.com