⚠️ Draft — this page is AI-generated compliance guidance and has not yet been reviewed by a licensed attorney. See O-output/legal/gap-analysis-report.md.

Terms of Service

Last updated: [date]

1. Who we are

“The Expat Math” (theexpatmath.com) is operated by Amit Hoffman, an individual doing business as “The Expat Math” [confirm legal/DBA name], based in Israel. By using this site or purchasing any product, you're entering into this agreement with Amit Hoffman individually (there is no separate incorporated company behind this brand).

2. Not professional advice

Nothing on this site, in the retirement calculator, in the Country Finder assessment or report, in the $27 Starter Kit, or in the community is financial, tax, legal, immigration, or medical advice. All content is for general informational and educational purposes only. Country and budget recommendations reflect general research and modeling, not a personalized recommendation from a licensed financial advisor, attorney, tax professional, or immigration consultant. Before making any decision about retiring abroad — including tax residency, healthcare, visas, or moving your savings — consult a licensed professional in the relevant country and jurisdiction.

3. Our products

Free guide / lead magnets — informational PDFs delivered by email after you provide your contact information.
$27 Starter Kit / workbook — a downloadable spreadsheet/workbook, delivered digitally after purchase.
$97 Country Finder — a personalized report based on your answers to a questionnaire. Your answers are analyzed with the help of AI and the resulting draft is personally reviewed and approved by Amit before you receive it. The report reflects general modeling and publicly available information; it is not a guarantee of any specific outcome, tax treatment, visa eligibility, or cost of living, and is not professional advice (see §2).
Community membership ($14/month) — a recurring subscription described on our Community page. See our Refund & Cancellation Policy for how billing, renewal, and cancellation work.

4. Payment and delivery

Digital products are delivered electronically (download link, email, or PDF) after payment is confirmed by our payment provider (Stripe and/or PayPal). Because our products are digital and delivered promptly, refund eligibility is governed by our Refund & Cancellation Policy, not by general assumptions about physical-goods returns.

5. Your responsibilities

You agree to provide accurate information when using our calculator, Country Finder questionnaire, or any form on this site, and to use the site and any community access only for lawful, personal purposes. You won't resell, redistribute, or publicly republish paid content (the workbook, Country Finder report, or community materials) without our written permission.

6. Intellectual property

All content on this site — including the calculator, workbook, Country Finder report templates, and community materials — is owned by Amit Hoffman / The Expat Math and may not be copied or redistributed except for your own personal use.

7. Governing law and disputes

TODO — flag for attorney input: because the seller is based in Israel and customers are primarily in the US, this clause needs specific legal input on which jurisdiction's law should govern and how disputes will be resolved (e.g., arbitration clause, small-claims carve-out, choice-of-forum). Do not rely on a boilerplate clause here without review.

8. Limitation of liability

To the maximum extent permitted by law, The Expat Math and Amit Hoffman are not liable for any decisions you make based on information, calculators, or reports provided through this site, including decisions about retirement location, taxes, immigration, healthcare, or finances. Our total liability for any claim related to a purchase is limited to the amount you paid for that product.

9. Changes to these terms

We may update these terms from time to time. Continued use of the site after an update means you accept the revised terms.

10. Contact us

Questions about these terms: [contact email] / [mailing address].