Terms of Service

These Terms of Service ("Terms") work together with our Privacy Policy and govern your access to and use of the RetirementNeuron.ai website, web application, mobile application, AI tools, content, reports, simulations, calculators, and related services (collectively, the "Services").

The Services are operated by RetirementNeuron LLC, an LLC based in California ("RetirementNeuron," "we," "us," or "our").

By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

I agree to the Terms of Service and understand that RetirementNeuron.ai provides automated mathematical estimations for educational purposes only, not licensed investment advice.

1. Important Disclaimer (Educational Only)

RetirementNeuron provides educational retirement planning tools and AI-assisted planning information. RetirementNeuron is not a registered investment adviser, broker-dealer, bank, fiduciary, tax preparer, CPA firm, law firm, insurance agency, Social Security representative, or Medicare adviser.

The Services do not provide:

• Legal or tax advice
• Accounting or estate planning advice
• Investment, insurance, or asset management advice
• Social Security filing or Medicare enrollment advice
• Personalized financial advice from a licensed professional

All outputs, projections, reports, AI responses, simulations, and recommendations are for educational and informational purposes only. They are designed to help you explore hypothetical scenarios. You should consult a qualified financial adviser, CPA, tax professional, attorney, or government specialist before making any actual financial decisions.

2. Third-Party Advisor Marketplace & Paid Reviews

The Services allow users who have generated a free retirement planning report to optionally request and pay a one-time fee for a review of their report by independent, third-party Certified Financial Planners (CFPs) or licensed financial advisors ("Independent Advisors").

• No Professional Endorsement: RetirementNeuron provides a platform to facilitate connections and host payment processing. We do not employ, endorse, vet the specific ongoing advice of, or assume liability for the conduct, opinions, or accuracy of services provided by any Independent Advisor.
• Separate Contractual Relationship: If you elect to purchase an advisor review, you understand that you are entering into a direct professional relationship with that Independent Advisor. Any financial advice, fiduciary duty, or professional liability rests solely between you and that Independent Advisor under your separate engagement with them.
• Limitation of Platform Liability: RetirementNeuron shall not be a party to, or liable for any damages arising out of, the professional advice, omissions, or recommendations provided by an Independent Advisor during or following a report review.

3. Use of the Services

You may use RetirementNeuron to:

• Create a retirement planning profile.
• Enter household, income, expense, asset, debt, Social Security, Medicare, and tax-related assumptions.
• Run retirement projections, compare scenarios, and run Monte Carlo simulations.
• Review Roth conversion estimates, Social Security claiming scenarios, and Medicare/IRMAA watchpoints.
• Interact with the AI Strategist tool and generate free educational planning reports.
• Optionally purchase a one-time report review from an Independent Advisor.

You agree to use the Services only for lawful purposes and in accordance with these Terms.

4. Eligibility

You must be at least 18 years old and a resident of the United States to use the Services. By using the Services, you represent that you are legally able to enter into these Terms, that the information you provide is accurate to the best of your knowledge, and that you will not misuse the platform.

5. Account Registration

Some features require you to create an account. You agree to provide accurate account information, keep your login credentials secure, and notify us immediately of any unauthorized access. You are responsible for all activity under your account. We reserve the right to suspend or terminate accounts that create a security risk or violate these Terms.

6. User Data and Input Responsibility

You are entirely responsible for the accuracy, completeness, and timeliness of all personal and financial data you input. RetirementNeuron's outputs depend heavily on your assumptions (inflation rates, investment growth rates, tax brackets, life expectancy, etc.). Incorrect or incomplete data input will produce inaccurate or misleading results. Review all assumptions carefully before relying on any output.

7. AI Strategist and AI-Generated Content

The platform includes an AI-powered feature called "AI Strategist." You understand and agree that:

• AI outputs are generated algorithmically and may be incomplete, inaccurate, or outdated.
• AI responses are not customized professional advice and should not be treated as guaranteed outcomes.
• You may not use AI-generated output as a substitute for professional legal, tax, investment, or government-benefits advice.

We may monitor, log, or process AI interactions to secure, troubleshoot, and improve the Services, subject to our Privacy Policy.

8. Retirement Projections and Simulations

Monte Carlo simulations, readiness scores, and probability estimates are mathematical models, not guarantees. A favorable projection does not guarantee financial success, and an unfavorable projection does not guarantee failure. Actual results may differ materially due to market fluctuations, legislative tax updates, health events, or changes in government policy.

9. Social Security, Medicare, IRMAA, and Tax Information

Any educational info provided regarding Full Retirement Age, spousal benefits, IRMAA thresholds, MAGI brackets, or Required Minimum Distributions (RMDs) is for planning purposes only. We do not file Social Security claims, enroll users in Medicare, or represent users before the IRS. You are responsible for confirming current thresholds directly with official sources like the SSA or IRS.

10. Fees, Payments, and One-Time Charges

While generating planning reports on RetirementNeuron is free, purchasing an Independent Advisor review requires a one-time fee.

• One-Time Payment: There are no recurring subscription fees. You will be charged a one-time, flat fee at the time you submit your request for an advisor review.
• Payment Processing: All payments are securely handled by our third-party payment processor (e.g., Stripe). By initiating a review purchase, you authorize us or our payment processor to charge your selected payment method for the stated fee and any applicable local taxes.
• Pricing Changes: We reserve the right to modify the one-time fee for advisor reviews at any time. Any changes will not affect purchases that have already been processed.

11. Refund Policy

Because the fee bridges an immediate digital connection and allocates scheduling/review time with an Independent Advisor, all one-time purchases for report reviews are non-refundable. Exceptions are made solely at our discretion or where explicitly required by applicable law.

12. Demo User and Sample Data

Demo accounts and sample profiles are strictly for interface exploration. You agree not to treat sample charts as actionable planning data, nor attempt to manipulate shared demo data in a harmful manner.

13. Acceptable Use & Restrictions

You agree not to:

• Violate any federal, state, or local laws.
• Access another user's account without permission.
• Attempt to bypass security protocols, reverse engineer the platform, or scrape data.
• Use automated tools or APIs to overload system infrastructure.

14. Prohibited Financial Use

You may not use RetirementNeuron to provide regulated financial advice to others without holding proper professional licensing. Financial professionals using our tools with clients retain full, individual responsibility for their own licensing, fiduciary compliance, client disclosures, and suitability determinations.

15. Intellectual Property

The Services—including software, calculations, code, reports, UI designs, logos, text, and AI prompts—are owned by RetirementNeuron or its licensors. We grant you a limited, non-exclusive, revocable license to use the platform for personal or internal planning purposes. You may not copy, modify, or resell our tools to build a competing product.

16. User Content License

You retain ownership of the financial data you enter into the platform. By entering data, you grant RetirementNeuron a secure, limited license to host, process, store, and analyze that content solely to generate your reports, save your plan, secure the platform, and improve our services in strict accordance with our Privacy Policy.

17. Feedback

If you provide feature requests, bug reports, or suggestions, you grant us the right to implement that feedback without restriction or financial compensation.

18. Third-Party Links and Services

Our app integrates with third-party providers (such as payment gateways, analytics tools, Auth0 for sign-in, and cloud hosting). We do not control and are not responsible for the uptime, security policies, or accuracy of these external platforms.

If you connect RetirementNeuron to ChatGPT, ChatGPT is a separate OpenAI service. The current connector is read-only. An authorized ChatGPT session may receive saved plan analysis so it can answer your question. RetirementNeuron does not treat that output as a guaranteed result, as investment, tax, or legal advice, or as a fiduciary relationship. The educational limits in these Terms still apply. You may turn the connection off in RetirementNeuron settings. Turning it off does not delete your account. Deleting your RetirementNeuron account is a separate action and stops later ChatGPT reads. Availability of ChatGPT and of RetirementNeuron can be interrupted. We do not promise uninterrupted access.

19. Availability, Modifications, and Beta Features

We aim for reliable platform availability but do not guarantee uninterrupted or error-free operations. Features labeled as "Beta" or "Experimental" are provided strictly at your own risk and may change or be removed entirely without notice.

20. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, RetirementNeuron disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, or suitability for your specific financial situation.

21. Limitation of Liability

To the maximum extent permitted by law, RetirementNeuron and its owners, employees, or contractors will not be liable for lost profits, lost savings, investment losses, tax penalties, IRMAA consequences, or indirect, incidental, or consequential damages arising from your use of the platform. Our total liability for any claim related to the Services will not exceed the greater of: (1) the total amount you paid to RetirementNeuron in the 3 months preceding the claim, or (2) $100.

22. Indemnification

You agree to defend, indemnify, and hold harmless RetirementNeuron and its owners from any claims, liabilities, damages, or costs (including legal fees) arising from your misuse of the platform, violation of these Terms, or unauthorized professional use of our generated reports.

23. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

Before initiating a formal legal claim, you agree to contact us at legal@retirementneuron.ai to attempt to resolve the issue informally. Any unresolved legal disputes, court proceedings, or binding arbitration claims will be handled exclusively in the courts located within Contra Costa County, California.

24. Arbitration & Class Action Waiver

Any dispute arising out of or relating to these Terms or the Services that cannot be resolved informally shall be resolved by binding arbitration on an individual basis, and not as a plaintiff or class member in any purported class or representative proceeding, except where prohibited by California law.

25. Miscellaneous Boilerplates

• Severability: If any part of these Terms is found invalid, the remaining provisions remain fully in effect.
• Force Majeure: We are not liable for operational failures caused by events outside our control (internet routing failures, cloud provider outages, cyberattacks, natural disasters).
• Entire Agreement: These Terms, alongside our Privacy Policy, constitute the entire agreement between you and RetirementNeuron regarding the use of the platform.

26. Contact Information

For questions regarding these Terms of Service, please contact:

• Platform: https://retirementneuron.ai
• General Legal: legal@retirementneuron.ai
• Privacy Team: privacy@retirementneuron.ai
• Legal entity: RetirementNeuron LLC
• Mailing Address: RetirementNeuron LLC, Brentwood, CA 94513