Cache Smart Software License Agreement

Revised: 11 September 2026

Purpose of the License

Thank you for using Cache Smart software tools. When you use one of our tools, you enter into a binding Agreement with us as described within this License. It is incumbent on you to review this License before using your purchased software tool(s). As a part of this License, individual tools (e.g. WealthProbe, WealthProbePro) may have specific terms that apply to that tool. The sections describing the terms specific to the individual tools are short and clearly marked. This License agreement applies to you, including the sections that apply to products you purchase. The section(s) describing individual tools you have not purchased do not apply to you. Your download of one of our tools, the download of any updates to any of these tools, or your use of a Cache Smart software tool indicates that you have read and agree to the terms of this License. 

Definitions

• Activation: Confirmation of your valid license and the enabling of your Cache Smart software tool to function on your device.
• Agreement: Your download and continued use of a Cache Smart software tool constitutes your agreement to the terms of this License.
• Beta Versions or Features: Pre-release or test versions of software. These software versions or features will be clearly identified, and their results or functionality may change based on further testing and Beta user feedback.
• Cache Smart software tool(s), software tool(s), tool(s), : The software covered by this License. The name of a Cache Smart software tool may be followed by a number (e.g. WealthProbe3) that indicates the major version under which the software falls (in this example, version 3.x).
• Client: In order to be considered a client of a Commercial User, the client must regard the Commercial User to be their financial advisor or coach at the commercial entity.
• Commercial Use: Using a Cache Smart software tool for anything other than Personal Use.
• Commercial User: The person using a Cache Smart software tool to directly analyze the retirement plans of paying clients. Not a Private User. Supervisory personnel who are not directly involved with analyzing client scenarios may only use Cache Smart software tools to become familiar with them. There can be only one Commercial User at a time for any given Cache Smart software tool License.
• Company, our, or we: Cache Smart, LLC.
• Customer: The person who, or commercial entity that purchases a Cache Smart software tool.
• Device: The hardware (desktop or laptop computer) on which the user runs a Cache Smart software tool. 
• Documentation: All information and instructions contained within a Cache Smart software tool pertaining to its operation and information contained in Cache Smart training videos.
• Fiduciary: A person that is trained for, and is legally required to act in the best financial interests of their client.
• License: The document containing the agreement between the User and the Company that spells out the responsibilities of both. For any Cache Smart software tool, this document is the License.
• Personal Use: Used for the benefit of only a Private User and/or the Private User’s spouse.
• Private User: A person who uses a Cache Smart software tool for their own private planning. Not a Commercial User.
• Retirement Planning: The user’s plan that encompasses saving for and living in retirement.
• Scenario: A set of assumptions determined by the User.
• Software: Instructions written in a computer language and any associated instructions or help within the software.
• User, you: A Private Customer, Private User, Commercial Customer, or a Commercial User.
• Website: WealthProbe.com

Terms of the License

By using any of our Cache Smart software tools, you agree to the following:

• All Cache Smart software tools are licensed, not sold. The license gives the User the right to use the tool. Only authorized Private Users or Commercial Users may use Cache Smart software tools . No other users may use a Cache Smart software tool under the purchased license. Although they are not Commercial Users, commercial supervisory personnel who are not directly involved with analyzing client scenarios may use Cache Smart software tools only to become familiar with them. All other rights are reserved by Cache Smart.
• Our downloadable Cache Smart software tools are intended for use by our customers as an aid in their retirement planning efforts. 
• You will not tamper with any Cache Smart software tool in an attempt to work around any technical difficulties you encounter using the tool. Notify us of any such difficulties.
• You will not decompile, reverse engineer, or attempt to derive the source code for any Cache Smart software tool in any way.
• You will use the purchased Cache Smart software tool only for its authorized use.
• You will not sell, rent, lease, share, or otherwise transfer any Cache Smart software tool to any third party, individual, group, or organization.
• You will not use any Cache Smart software tool that is in any way against the law.
• You are at least 18 years of age.
• You are capable of agreeing to a contract with Cache Smart LLC.
• Customer represents and warrants to Company that Customer will not, directly or indirectly, export or re-export, supply or otherwise make available the Cache Smart software tool or any related technical information or data to any person in violation of any governmental export regulation, including, without limitation, re-exporting, supplying or otherwise making available the Cache Smart software tool to any person on the U.S. Department of Commerce’s Denied Persons List or affiliated lists, on the U.S. Department of Treasury’s Specially Designated Nationals List, in a country on the State Sponsors of Terrorist list or on any U.S. export exclusion lists (collectively, the “Export Denial Lists”). Customer represents and warrants that it is not on any of the Export Denial Lists and that Customer is not using and will not use any Software or related technical information or data to further activities in support of development, manufacture or use of nuclear fuel or weapons, missiles, or chemical or biological weapons. Customer further certifies to Company that Customer will immediately notify Company if at any time those warranties or representations become no longer accurate.
• You understand that our tools provide a snapshot of the effectiveness of the retirement plan in question based on your inputs and your assumptions on the date of execution. You further understand that you may use any Cache Smart software tool to help modify the retirement plan in question to better represent the desired outcome or examine potential alternatives. The more accurate your inputs and the more realistic your assumptions, the more accurate the Cache Smart software tool results will be. However, as with any single analysis tool, our tools are not intended to be your only source of information for retirement planning.
• You understand that Cache Smart software tools may provide or imply suggestions for further investigation by you, but they do not provide investment or tax advice of any kind and they do not replace the need for a tax adviser or a financial advisor that acts as a fiduciary on your behalf.
• The Company is not licensed to give tax, investment, or legal professional advice. Our Cache Smart software tools are not intended to and do not provide tax, investment, or legal advice. Users should consult with a licensed tax, investment, or legal professional for such advice.
• Specific Terms for WealthProbe
  • WealthProbe is authorized for non-commercial use only by the User who purchased WealthProbe or their spouse.  Commercial use of WealthProbe is strictly prohibited.
  • Users may create any number of scenarios during their valid License period.
  • Two (2) downloads of WealthProbe are available under each valid License. This is intended to account for the possibility that you will decide to use WealthProbe concurrently on two of your own devices or you might need to install WealthProbe on a new device in the event of a failure or replacement of your existing device during the License period. Download to anybody other than the user is strictly prohibited.
  • Notwithstanding the 2-download limit, you are entitled to an unlimited number of updates as long as your License is valid.
  • You are allowed three (3) activations of WealthProbe with your valid WealthProbe License. After activation on your device, you have unlimited access to WealthProbe on that device until your License expires.
  • Except for the user (and spouse), nobody else is allowed to use your copy of WealthProbe under any circumstances, including allowing the unauthorized person to use WealthProbe on a device owned by you.
• Specific Terms for WealthProbePro
  • WealthProbePro is authorized for commercial use.
  • A Commercial User may use their valid License of WealthProbePro to analyze the financial information for any number of their clients without limitation. 
  • A Commercial User may use their valid License of WealthProbePro to devise any number of scenarios for their clients without limitation.
  • Each WealthProbePro License must be assigned to a single Commercial User. Multiple Commercial Users assigned to operate on the same WealthProbePro License is prohibited.
  • Downloading WealthProbePro onto a device that is shared by more than one Commercial user is prohibited and a violation of this License.
  • Two (2) downloads of WealthProbePro are available under each valid License. This is intended to account for the possibility that the Commercial User will decide to use WealthProbePro concurrently on two of the devices they use at work. The second download may also be needed in the event of a failure or replacement of the Commercial User’s existing device during the License period. Download to a device used by anybody other than the designated Commercial User for a particular WealthProbePro license is strictly prohibited.
  • Notwithstanding the 2-download limit, Commercial Users are entitled to an unlimited number of updates as long as the License is valid.
  • Commercial Users are allowed three (3) activations of WealthProbePro with their WealthProbePro License. After activation on their device, the designated Commercial User for a License has unlimited access to WealthProbePro on that device until License expiration.
  • Commercial Customers will ensure all of their WealthProbePro Commercial Users are aware of the provisions required in this section prior to their using WealthProbePro.

Scope of License

Customer is granted a world-wide, non-exclusive, non-transferable license to use the purchased Cache Smart software tool(s).

Your Cache Smart software tool License is valid for a full year (365 days) from the date of purchase, after which you agree to stop using the purchased tool. When the existing License expires, a new License must be purchased to continue using your Cache Smart software tool.

The License entitles you to download updates to the Cache Smart software tool as they become available while your License is current.

Any Cache Smart software tool shall be deemed delivered to the Customer when Cache Smart makes it available for download, immediately after purchase. The Customer can download while on the website immediately after purchase, or later using the download link in the Customer’s purchase confirmation message from Cache Smart. The software continues to be protected by copyright and intellectual property laws while being used under this License.

This agreement constitutes the entire agreement between the User and Cache Smart, and supersedes all prior understandings or agreements, oral or written, regarding its subject matter.

If you are a governmental or other non-commercial organization end user, your organizational use of any Cache Smart software tool on behalf of your employees is strictly prohibited.  If you are an individual employee of any organization, you are always welcome to purchase and use Cache Smart software tools as a Private User.

Any waiver of the conditions cited in this License by the Company must be made expressly in writing by the Company. Additionally, Company’s knowledge of Customer’s use of the Software beyond the scope of the license shall not operate as a waiver of Company’s rights to enforce the terms of this Agreement under any legal or equitable doctrine. Company’s failure to exercise, or delay in exercising a right, power, or remedy provided in this Agreement or by law shall not constitute a waiver of that right, power or remedy. Company’s waiver of any obligation or breach of this Agreement shall not operate as a waiver of any other obligation or subsequent breach of the Agreement.

Customers cannot assign their rights to use any Cache Smart software tool to anyone else without our express written permission. 

In the event that any provision of this Agreement is held to be invalid or unenforceable, then: (a) such provision shall be deemed to be reformed to the extent strictly necessary to render such provision valid and enforceable, or if not capable of such reformation shall be deemed to be severed from this Agreement; and (b) the validity and enforceability of all of the other provisions hereof, shall in no way be affected or impaired thereby.

An internet connection is required to purchase, download, and activate any Cache Smart software tool. It the Customer’s sole responsibility to provide this internet connection. We provide the protected pathways for the purchase, activation and download of all Cache Smart software tools.

As stated on the Website, Cache Smart software tools currently require a Windows 10 or later operating system.

Accurate Calculation Guarantee

Cache Smart takes the accuracy of our software very seriously; along with security, it is our top priority. We work hard to ensure the accuracy of all Cache Smart software tool calculations by following proven programming practices and our thorough and on-going verification program. Our Accurate Calculation Guarantee applies for the lifetime of your valid Cache Smart software tool License. If you have reason to doubt the accuracy of any Cache Smart software tool, contact us immediately. If you continue to believe an error has been made after contacting us, you are entitled to a full refund.

Restrictions on Use

You agree that your License only grants limited rights to download, install, activate, and use the Cache Smart software tool that you have lawfully purchased. Furthermore, you agree that the Cache Smart software tool and its accompanying installation package may not be modified, reverse-engineered, copied, decompiled, disassembled, distributed, re-sold, or employed in any way other than the ways described in this License. You further agree that you will cease to use your Cache Smart software tool when your License to use it expires. Cache Smart reserves all rights to your purchased Cache Smart software tool not specifically granted to you in this Agreement.

You understand and agree that our Cache Smart software tool has been licensed to you, not sold, and that you agree to and are bound by the terms of this Agreement.

User Obligations and Responsibilities

You agree to comply with the terms of this License and all applicable laws and regulations when using the software.

We may notify you of updates to the version of software you obtained, but you agree that it is your responsibility to periodically check for and download available updates to your licensed software.

Intellectual Property Rights

The user agrees that the software and all intellectual property rights therein are owned by the Company. You further acknowledge that no ownership rights are transferred by virtue of purchasing a license for, or the download of any Cache Smart software tool.

User Privacy Associated with Download and Operation

Except for your initial download of your purchased Cache Smart software tool, activation prior to first use of the tool on a device (desktop, laptop, etc.) or to otherwise activate your License to operate the tool, or when you decide to update your version of the Cache Smart software tool by downloading a new update from the Website, there is no need for communication between the downloaded Cache Smart software tool and any other Cache Smart entity. After License activation on a device, the software may be run with or without an internet connection. All data entered by the user is encrypted and recorded for personal analysis by the downloaded tool and remains the user’s property on the user’s computer or detachable storage device. This data is encrypted using banking-level encryption and may only be accessed and decrypted by the user’s device that created the data files. The user is free to store their data files on a portable medium, e.g. a thumb drive, for storage when they are not using the data files for analysis. These data files can be accessed only on the device that was used for their creation. For more information, to include privacy while operating on the Company’s website(s), see our general Privacy Policy.

Changes

The terms of this License may occasionally change from time-to-time, for example, to accommodate future products. The revision date is noted at the top. The specific agreement that applies to you is the agreement that was in force when you purchased your product. You are encouraged to save a copy of your License agreement. We also record the information that associates your purchase with the correct License revision.

Dispute Resolution

You and Cache Smart agree to first attempt to resolve any dispute that may arise through an informal dialogue between us. Any disputes will be resolved on an individual basis rather than as a class action. Customer expressly waives their right to join any class action matter against Company.

This Agreement shall be enforced and construed in accordance with the laws of the state of Virginia without regard to its conflicts of laws provisions. Any suit for the enforcement or interpretation of any provision of this Agreement shall be brought exclusively in a court of competent jurisdiction encompassing Stafford County, Virginia.

Company and user hereby waive any and all rights to a trial by jury in any action or proceeding of any kind or nature in connection with any of the matters set forth in this License.

In the event Company takes any legal action to enforce the terms of this Agreement, or is required to defend any legal action brought by Customer arising out of or related to this Agreement, Company shall be entitled to recover, in addition to all other amounts and relief, its reasonable costs and attorney’s fees incurred at and in preparation for arbitration, trial, appeal and review, such sum to be set by the arbitrator or court before which the matter is heard.

Limitation of Liability

During the user’s use of any Cache Smart software tool, Cache Smart and its affiliates will not be responsible for:

• Loss of data, profits, income, anticipated savings,
• Indirect or incidental loss,
• Punitive, exemplary, special or consequential damages,
• Damages related to the internet, other electronic data transfer or communications,
• Damages related to data corruption or security,
• Damages related to incompatible software or operating system;
• Damages to any hardware or equipment, or
• Damages related to viruses or spyware.

Financial Decisions

Any Cache Smart software tool represents one of a variety of sources available to help the user assess how they are doing with respect to their retirement plan, and to help the user estimate the potential impact of certain actions or assumptions. Our software tools are intended to provide indications of the need for potential action, but they are not intended to be used in isolation. Our tools give an accurate analysis of the user’s retirement plans, but its results are only as good as the accuracy of the user’s inputs and the extent to which the input assumptions are reasonable. It is the user’s responsibility to make reasonable use of the information provided by our tools. The Company shall not be liable for any assumption, decision made, or action taken by the user based on the user’s interpretation of information provided by Cache Smart software tool(s).

Cap on Liability

The liability of the Company related to this agreement, to include liability for user decisions or for incidental, consequential, or special damages shall not exceed the amount paid by Customer for the software License.

Indemnification

User agrees to indemnify the Company against any claims or damages arising from user’s misuse of the software or breach of the terms of this License. If we are sued because of your unlawful use of one of our tools, or because you didn’t follow the terms of this License in your use of our tools, you agree to take responsibility for any harm to us.

Furthermore, you will indemnify Cache Smart and its affiliates from any costs, judgements, fines, or any damages resulting from your unlawful or unauthorized use of our tools, or as a result of any violation of this Agreement and will reimburse Company for such costs, judgments, fines, or any damages, including its attorneys’ fees, incurred.

The User shall notify the Company immediately of any claims involving the use of any Cache Smart software tool using the Contact Form on the Company Website.

Warranties and Disclaimers

The Company warrants that all of our tools will perform substantially in accordance with the documentation, providing accurate results based on user inputs and assumptions. Cache Smart software tool results should be considered an estimate based on these inputs and assumptions, the accuracy of which improves with the detail and accuracy of the user’s inputs.

The calculations executed by our tools are based on current tax and retirement laws, rulings, regulations, and applicable government data tables. We review these yearly and update all tables, calculations, and other information as necessary, based on this review. 

The Company will attempt to resolve user difficulties in a timely manner. Our Cache Smart software tools are provided “as is” and all other warranties, express or implied, are disclaimed. Users are entitled to software updates while their license is valid; these updates are also provided “as is” and all other warranties, express or implied, are disclaimed.

Refunds

Your satisfaction with all of our tools is guaranteed. If you are in any way dissatisfied with any Cache Smart software tool, you can request a refund in accordance with the refund policy available at Refunds.