Terms of Use

1. Nature of Service - Fintech Platform, Not Financial Advisor

My Retirement Plan (the "Platform") is a financial technology platform operated by Super Amplify LLC. We provide software tools that allow you to:

• Organize and track your financial information (assets, liabilities, income, expenses)
• Build a visual representation of your financial profile ("Financial House")
• Generate retirement projections based on mathematical calculations
• Receive AI-powered educational insights and general financial information
• Connect financial accounts through third-party services (Plaid)

WE ARE NOT:

• A registered investment advisor (RIA)
• A broker-dealer or securities firm
• A fiduciary acting in your best interest
• A substitute for professional financial advice
• Providing personalized financial, investment, tax, or legal advice

2. No Financial Advice - Educational Tool Only

Nothing on this Platform constitutes financial, investment, tax, or legal advice. All content, including:

• Retirement projections and calculations
• Social Security benefit estimates
• Net worth projections
• AI-generated insights and recommendations
• Financial planning suggestions

...is provided for informational and educational purposes only. These tools are designed to help you understand general financial concepts and organize your financial data, but they are NOT tailored advice for your specific situation.

3. Data Accuracy Disclaimer - Use at Your Own Risk

We make no warranties or guarantees regarding:

• Accuracy: Calculations may contain mathematical errors or be based on incorrect assumptions
• Completeness: Data imported from third parties (Plaid) may be incomplete or outdated
• Reliability: AI-generated insights may be incorrect, misleading, or inappropriate for your situation
• Currency: Market data, tax rates, and Social Security formulas may be outdated
• Suitability: Projections may not account for your unique circumstances, risk tolerance, or goals

You are solely responsible for:

• Verifying all data and calculations independently
• Ensuring the accuracy of information you input
• Understanding the limitations of automated projections
• Making your own financial decisions
• Consulting qualified professionals before taking action

4. Requirement to Consult Professional Advisors

Before making ANY financial decisions based on information from this Platform, you MUST consult with qualified professionals:

• Financial Advisor: A licensed, registered investment advisor (RIA) or certified financial planner (CFP) for personalized investment and retirement planning advice
• Tax Professional: A certified public accountant (CPA) or tax attorney for tax planning and compliance
• Estate Attorney: For estate planning, wills, trusts, and legal matters
• Insurance Agent: For insurance needs and coverage recommendations

Only these qualified professionals can provide advice tailored to your specific financial situation, goals, risk tolerance, and legal requirements.

5. User Responsibilities

By using this Platform, you agree to:

• (a) Provide accurate and complete financial information to the best of your ability
• (b) Understand that this is an educational tool, not professional advice
• (c) Verify all calculations and projections independently
• (d) Maintain the confidentiality of your login credentials
• (e) Immediately notify us of any unauthorized access or security concerns
• (f) Consult qualified professionals before making financial decisions
• (g) Accept full responsibility for your financial decisions
• (h) Not rely solely on this Platform for financial planning

6. Limitation of Liability

7. AI-Generated Content Disclaimer

This Platform uses artificial intelligence (AI) to provide insights and suggestions. AI-generated content may be incorrect, incomplete, biased, or inappropriate for your situation.

• AI responses are based on patterns in training data and may not reflect current market conditions
• AI cannot understand your unique personal circumstances, risk tolerance, or goals
• AI may "hallucinate" or generate plausible-sounding but incorrect information
• AI is NOT a substitute for human professional judgment

Always verify AI-generated information with qualified professionals before taking action.

8. Technology Infrastructure & Security

Our Platform is built and maintained by Super Amplify LLC. We implement enterprise-grade security measures including:

• AES-256 Encryption: All data is encrypted in transit and at rest
• SOC 2 Type II Compliance: Independently audited security controls
• Secure Cloud Infrastructure: Enterprise-grade hosting and monitoring
• Access Controls: Role-based permissions and authentication

However, no system is 100% secure. You acknowledge the inherent risks of transmitting data over the internet.

9. Third-Party Services

We integrate with third-party services (e.g., Plaid for account connections, OpenAI for AI features). These services have their own terms and privacy policies. We are not responsible for:

• Accuracy or availability of third-party data
• Third-party service outages or errors
• Third-party privacy practices or data breaches
• Changes to third-party services or pricing

Privacy Policy

1. Information We Collect

We collect and process the following types of information:

• Account Information: Name, email address, password (encrypted), profile data
• Financial Information: Assets, liabilities, income, expenses, retirement goals, account balances (via Plaid)
• Usage Data: Pages visited, features used, time spent, interactions with AI
• Technical Data: IP address, browser type, device information, cookies
• Communication Data: Support requests, feedback, correspondence

2. How We Use Your Information

We use your information to:

• Provide Platform Services: Calculate projections, generate insights, display your financial data
• Improve Our Platform: Analyze usage patterns, fix bugs, develop new features
• Communicate: Send service updates, respond to support requests, provide notifications
• Security: Detect fraud, prevent unauthorized access, maintain platform integrity
• Legal Compliance: Comply with applicable laws and regulations

3. AI and Data Protection

However, you should be aware:

• AI providers may retain data temporarily for abuse monitoring (typically 30 days)
• We send financial context to AI to provide personalized responses
• AI responses are generated in real-time and may vary

4. Information Sharing and Disclosure

We do NOT sell your personal information. We may share your information with:

• Service Providers: Plaid (account connections), OpenAI (AI features), hosting providers, analytics services - all bound by confidentiality agreements
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In the event of a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize sharing

We do NOT share your data with:

• Advertisers or marketing companies
• Data brokers or aggregators
• Social media platforms
• Unrelated third parties

5. Data Security Measures

We implement comprehensive security measures:

• Encryption: 256-bit AES encryption for data at rest, TLS 1.3 for data in transit
• Authentication: Secure password hashing (bcrypt), session management, optional 2FA
• Access Controls: Role-based permissions, principle of least privilege
• Monitoring: Continuous security monitoring, intrusion detection, audit logs
• Compliance: SOC 2 Type II certified infrastructure
• Regular Audits: Security assessments, penetration testing, vulnerability scanning

Despite these measures, no system is completely secure. You acknowledge the inherent risks of internet-based services.

6. Data Retention and Deletion

We retain your information:

• Active Accounts: For as long as your account is active
• Deleted Accounts: Up to 90 days after deletion for backup and recovery purposes
• Legal Requirements: As required by applicable laws (typically 5-7 years for financial records)
• Anonymized Data: We may retain anonymized, aggregated data indefinitely for analytics

You can request account deletion at any time through your account settings or by contacting support.

7. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and data
• Portability: Export your data in a machine-readable format
• Opt-Out: Unsubscribe from marketing communications
• Restriction: Limit how we process your data

To exercise these rights, contact us at [email protected] (or your designated support email).

8. Data Breach Notification

In the event of a data breach affecting your personal information, we will:

• Notify you within 72 hours of discovering the breach (as required by law)
• Describe the nature of the breach and data affected
• Explain steps we're taking to address the breach
• Provide recommendations to protect yourself
• Notify relevant regulatory authorities as required

9. Cookies and Tracking

We use cookies and similar technologies for:

• Essential Cookies: Required for platform functionality (authentication, session management)
• Analytics Cookies: Understand usage patterns and improve our service
• Preference Cookies: Remember your settings (theme, language)

You can control cookies through your browser settings, but disabling essential cookies may affect platform functionality.

10. Children's Privacy

This Platform is NOT intended for children under 18. We do not knowingly collect information from minors. If you believe a child has provided us with personal information, please contact us immediately.

11. International Users

This Platform is operated in the United States. If you access from outside the U.S., your data may be transferred to and processed in the U.S., which may have different privacy laws than your country. By using this Platform, you consent to this transfer.

12. Changes to This Policy

We may update these Terms and Privacy Policy periodically. We will notify you of material changes by:

• Posting the updated policy on this page
• Updating the "Last Updated" date
• Sending email notification for significant changes

Your continued use of the Platform after changes constitutes acceptance of the updated policy.

Contact Information

For questions about these Terms, Privacy Policy, or to exercise your privacy rights, contact us at:

Last Updated: October 25, 2025