Terms of Service
Effective date: August 8, 2026 · Applies to the getstoia.com website
These terms govern your use of the Stoia website: the content, guides, and free calculators at getstoia.com ("the Site"). The Site is operated by Semantics Studio Inc., a Delaware corporation doing business as Semantics; references to "Stoia", "we", or "us" mean Semantics Studio Inc. By using the Site you agree to these terms. The Stoia application, when it launches, will be governed by its own terms.
Use of the Site
You may use the Site and its free tools for personal, non-commercial purposes. You agree not to misuse the Site, including attempting to disrupt it or scraping it at abusive volume.
Not financial advice
Everything on this Site (articles, calculators, comparisons, and examples) is provided for general educational purposes only. It is not financial, investment, legal, or tax advice, and it is not tailored to your circumstances. Calculator results are estimates based on the numbers and assumptions you enter. Before making significant financial decisions, consider consulting a qualified professional. See our disclaimer page for details.
Intellectual property
The Site's content, design, and the Stoia name and logo are owned by Semantics Studio Inc. You may link to and quote the Site with attribution; you may not republish substantial portions or use our branding without permission.
Third-party references
The Site references third-party information (for example, savings rates, government resources, and survey data) for educational purposes. Those references were accurate to the best of our knowledge when published, may change, and imply no endorsement in either direction. All trademarks belong to their owners.
Disclaimer of warranties & limitation of liability
The Site is provided "as is" without warranties of any kind, express or implied. To the fullest extent permitted by law, Semantics Studio Inc. will not be liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on its content. Our total liability for any claim relating to the Site is limited to $100.
Changes; governing law
We may update these terms; the effective date above reflects the latest revision, and continued use of the Site after changes constitutes acceptance. These terms are governed by the laws of the United States and the State of Delaware, without regard to conflict of law rules.
Contact
Questions about these terms: info@getstoia.com.