Terms of Service

These Terms of Service ("Terms") govern access to and use of My Retirement Plan, all related websites, applications, APIs, and software capabilities (collectively, the "Platform"), operated by MyRetirementPlan.ai, Inc. ("Company," "we," "us," or "our"). By using the Platform, you agree to these Terms.

1. Scope and Acceptance

These Terms apply to all visitors, users, advisors, and invited collaborators. If you are using the Platform on behalf of an entity, you represent that you are authorized to bind that entity.

You must accept the then-current Terms before accessing authenticated Platform features. We may require you to accept updated Terms before continuing to use the Platform, and refusal to accept updated Terms means you may not access or use the Platform.

2. Eligibility, Account Security, and Account Standing

• You must provide accurate, current, and complete account and profile information.
• You are responsible for maintaining the confidentiality of credentials and all account activity.
• You must promptly notify us of suspected unauthorized access or security incidents.
• Your account must remain active, approved, and in good standing to access authenticated features.

3. Platform Administration and Operational Control

To operate, secure, maintain, improve, and enforce the Platform, we reserve the right, in our discretion and subject to applicable law, to manage the Platform and user accounts. This includes the right to monitor usage and security signals, investigate conduct, apply rate limits, modify or remove features, restrict permissions, correct data or system issues, prevent abuse, preserve audit records, remove content, suspend access, deactivate accounts, delete accounts, and otherwise take actions we determine are necessary to run the Platform safely and reliably.

We may take these actions without prior notice where we believe notice would create risk, impair security, interfere with investigation or enforcement, violate law or third-party obligations, or harm the Platform, users, Company, or affiliated providers.

4. Software Tool; No Financial Advisor Relationship

The Platform is a software tool that provides educational information, analytics, projections, and workflow support. The Platform is not a financial adviser, investment adviser, broker-dealer, bank, accountant, tax advisor, or law firm. Use of the Platform does not create a fiduciary, advisory, brokerage, banking, attorney-client, accounting, or other professional relationship.

5. No Personalized Advice; User Decision Responsibility

All outputs are for informational and educational use only and are based on data and assumptions that may be incomplete, inaccurate, or outdated. You are solely responsible for all financial, investment, legal, tax, insurance, or business decisions and should consult licensed professionals before relying on any output.

6. Waiver and Limitation of Obligations (To the Maximum Extent Permitted by Law)

To the fullest extent legally permitted, you agree that the Company disclaims and you waive claims based on duties or obligations not expressly stated in these Terms, including implied advisory or fiduciary obligations. Nothing in these Terms waives rights or obligations that cannot legally be waived under applicable law.

7. Ownership, Affiliations, and Regulatory Disclosures

You acknowledge and agree that owners, officers, directors, members, managers, employees, contractors, or affiliates of the Company may now or in the future:

• Own, manage, or have economic interests in registered investment advisors ("RIAs").
• Be investment adviser representatives of RIAs.
• Be associated with or representatives of broker-dealers, banks, or other regulated entities.
• Provide services through separate entities under separate written agreements.

Any such relationships are separate from your use of this Platform unless you enter into a distinct written agreement with the applicable regulated entity.

8. User Content, Financial Data, and Assumptions

You are responsible for the legality, accuracy, and completeness of all data, files, and instructions you submit. The Platform may rely on assumptions and third-party data sources. Projections are hypothetical and are not guarantees of future results.

9. Permitted Use and Restrictions

You agree not to:

• Use the Platform in violation of law or regulation.
• Reverse engineer, decompile, extract models, scrape, or attempt to copy underlying logic.
• Interfere with security, availability, or integrity of systems and data.
• Use automated methods to overload, probe, or abuse the Platform.
• Remove proprietary notices or misrepresent your relationship with us.

10. Intellectual Property and Brand Protection

The Platform, including software architecture, workflows, algorithms, user interface design, and related documentation are protected by intellectual property law. All rights not expressly granted are reserved by the Company and its licensors.

Without limitation, names, marks, and feature names including MyRetirementPlan.ai, Dreamer's Wealth, Financial Picture, and VoiceConnect are proprietary names/identifiers and may not be used without authorization.

11. Third-Party Services and Integrations

The Platform may integrate with third-party services (for example account aggregation, market data, cloud infrastructure, payments, or messaging providers). We are not responsible for third-party systems, content, availability, or policies.

12. AI and Automated Features

AI-generated responses and automated outputs may be incomplete or incorrect and may contain mathematical, factual, or regulatory errors. You must independently review outputs before relying on them.

13. Fees, Trials, and Plan Changes

Certain features may require paid subscriptions or may be offered on trial terms. Pricing, included features, and billing terms may change prospectively as permitted by applicable law and your plan terms.

14. Disclaimer of Warranties

To the maximum extent permitted by law, the Platform is provided "as is" and "as available" without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, or accuracy.

15. Limitation of Liability

To the fullest extent permitted by law, MyRetirementPlan.ai, Inc., its affiliates, and their respective officers, directors, employees, and agents are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or loss of profits, revenue, goodwill, business opportunity, or data, arising from or related to the Platform.

16. Indemnification

You agree to defend, indemnify, and hold harmless MyRetirementPlan.ai, Inc. and its affiliates from claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising from your use of the Platform, your content/data, or your violation of these Terms or applicable law.

17. Suspension, Removal, and Termination

We may suspend, restrict, deactivate, terminate, delete, or remove any user account or access to any Platform feature at any time, with or without notice, where we determine in our discretion that doing so is appropriate to run the Platform, enforce these Terms or other policies, protect users or systems, address risk, comply with law, prevent fraud or abuse, handle non-payment, respond to operational needs, or preserve the integrity of the Platform.

Account removal may include disabling login, ending active sessions, deleting account data, disconnecting integrations, removing user content, and retaining records where needed for legal, security, compliance, audit, billing, dispute-resolution, backup, or legitimate business purposes.

18. Changes to These Terms

We may update these Terms periodically. Changes are effective when posted unless otherwise stated. For authenticated users, we may require affirmative acceptance of the updated Terms before allowing further Platform access. Your continued use after an update, or your affirmative acceptance when prompted, constitutes acceptance of the revised Terms.

19. Contact

Questions about these Terms can be submitted through the support form below.