These Terms of Service ("Terms") govern access to and use of Advisor Copilot, 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.
2. Eligibility and Account Security
- 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.
3. 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 advisor, investment advisor, 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.
4. 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for informational and educational use only and are based on data and assumptions that may be incomplete, inaccurate, or outdated.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 acting.
5. 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.
6. 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.
7. 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.
8. 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.
9. 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 House, and VoiceConnect are proprietary names/identifiers and may not be used without authorization.
10. 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.
11. AI and Automated Features
AI-generated responses and automated recommendations may be incomplete or incorrect. You must independently review outputs before relying on them.
12. 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.
13. 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.
14. 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.
15. 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.
16. Suspension and Termination
We may suspend or terminate access where reasonably necessary for security, legal compliance, fraud prevention, abuse prevention, or material breach of these Terms.
17. Changes to These Terms
We may update these Terms periodically. Changes are effective when posted unless otherwise stated. Your continued use after an update constitutes acceptance of the revised Terms.
18. Contact
Questions about these Terms can be sent to [email protected] or by phone at 1-855-947-5470.