Terms of Service

Welcome to RetireArc. By accessing or using our platform, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.

1. Acceptance of Terms

By creating an account or using RetireArc, you agree to these Terms and our Privacy Policy. If you do not agree, do not use our services. If you are using RetireArc on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Company Information

RetireArc is a product of [YOUR LLC NAME], a Texas limited liability company ("Company," "we," "our," or "us"). All references to "RetireArc" in these Terms refer to the platform operated by the Company.

3. Beta Program

3.1 Beta Status

RetireArc is currently in private beta ("Beta Period"). By participating in the Beta Program, you acknowledge and agree to the following additional terms:

• The platform is under active development and may contain bugs, errors, or inaccuracies in calculations, projections, and other outputs.
• Features may be added, modified, or removed at any time without prior notice.
• Service availability is not guaranteed. We may experience downtime, interruptions, or data migration events during the Beta Period.
• In rare cases, data entered during the Beta Period may need to be re-entered due to schema changes or platform updates. We will make reasonable efforts to notify you in advance if this occurs.
• Pricing displayed during the Beta Period reflects founding member rates and is subject to change upon general availability.

3.2 Beta Feedback

Any feedback, suggestions, or ideas you provide about the platform during the Beta Period may be used by us to improve the service without any obligation or compensation to you.

3.3 Beta Disclaimer

4. Description of Service

RetireArc is a retirement planning software platform that provides:

• Financial tracking tools (assets, liabilities, income, goals)
• Retirement projections and Monte Carlo simulations
• Social Security optimization calculators
• Roth conversion analysis tools
• Gap analysis and financial health scoring
• AI-powered features including meeting preparation and insights
• For advisors: client management, demo mode, and audit logging features

5. Financial Disclaimer

6. AI-Powered Features

6.1 Nature of AI Outputs

RetireArc uses artificial intelligence (currently Anthropic's Claude API) to power certain features, including meeting preparation briefs, AI copilot assistance, and gap analysis insights. You acknowledge and agree that:

• AI-generated outputs are for informational and convenience purposes only and do not constitute financial, tax, legal, or investment advice.
• AI outputs may contain errors, inaccuracies, or omissions. You are responsible for reviewing and verifying any AI-generated content before relying on it or sharing it with clients.
• AI features are subject to the capabilities and limitations of third-party AI providers and may change over time.

6.2 Data and AI

When you use AI-powered features, certain data from your account (such as financial summaries and planning parameters) may be sent to our AI provider (Anthropic) for processing. This data is processed according to our Privacy Policy. Your data is not used to train AI models. AI features process data in real time and do not retain your information after generating a response.

7. User Accounts

7.1 Account Types

• Individual Accounts: Free accounts for personal retirement planning.
• Client Accounts: Free accounts for individuals working with a financial advisor.
• Advisor Accounts: Paid subscription accounts for financial professionals.

7.2 Account Responsibilities

• You must provide accurate and complete information.
• You are responsible for maintaining the security of your account credentials.
• You must notify us immediately of any unauthorized access.
• You may not share your account or allow others to access it.

8. Advisor-Specific Terms

If you are a financial advisor using RetireArc:

• You are responsible for compliance with all applicable regulations (SEC, FINRA, state requirements, GLBA, and any other laws governing your practice).
• You may only access client data for clients who have authorized you.
• You are solely responsible for any advice you provide to your clients. RetireArc provides tools; you provide the professional judgment.
• Audit logs are maintained for compliance purposes.
• You agree not to misrepresent RetireArc as providing financial advice on your behalf.
• You acknowledge that RetireArc is a technology service provider and not a fiduciary with respect to your clients.

8.1 Demo Mode and Prospect Data

When using Demo Mode to enter prospect data during a live meeting, you acknowledge and agree that:

• You are responsible for obtaining appropriate consent from the prospect before entering their personal and financial information into the platform.
• Data entered in Demo Mode is stored in our systems and subject to our Privacy Policy.
• If the prospect does not convert to a client account, you may request deletion of the demo session data. Otherwise, demo data will be retained for 90 days and then automatically deleted unless converted to a client relationship.
• You are solely responsible for compliance with applicable privacy laws when collecting and entering prospect data.

9. Subscription and Billing

9.1 Pricing

Current subscription pricing is displayed on our website and may vary by plan tier. Beta participants receive founding member pricing, which may differ from pricing at general availability. We will provide at least 30 days' notice before any pricing changes take effect for existing subscribers.

9.2 Billing Terms

• Subscriptions are billed monthly in advance.
• Payment is processed securely through Stripe.
• Failed payments may result in service suspension after a 7-day grace period.
• You may cancel at any time; access continues through the end of the current billing period.
• No refunds for partial months.

9.3 Free Accounts

Individual and client accounts are currently offered at no charge. We reserve the right to modify, limit, or discontinue free account features at any time with 30 days' notice. If free accounts are transitioned to paid plans, existing users will be given the option to subscribe or export their data.

10. Data Ownership

You own your data. This is a core principle of RetireArc:

• Clients own their financial data and household information.
• Clients grant read access to advisors they authorize and can revoke advisor access at any time.
• You may export your data at any time.
• If you delete your account, your data will be deleted in accordance with our Privacy Policy (subject to legal retention requirements and audit log preservation).

11. Third-Party Services

RetireArc integrates with third-party services including:

• Plaid: For account linking (subject to Plaid's End User Privacy Policy at plaid.com/legal). By linking your accounts through Plaid, you authorize Plaid to access and transmit your financial data in accordance with their terms.
• Stripe: For payment processing (subject to Stripe's terms of service).
• Anthropic: For AI features (data processed per our Privacy Policy; not used for model training).

We are not responsible for third-party services, their availability, or their terms. Your use of these integrations is subject to the respective third party's terms and privacy policies.

12. Acceptable Use

You agree not to:

• Use RetireArc for any unlawful purpose.
• Attempt to gain unauthorized access to other accounts or systems.
• Interfere with or disrupt the platform.
• Reverse engineer, decompile, or attempt to extract source code.
• Scrape, harvest, or collect data from the platform.
• Use the platform to provide services that compete with RetireArc.
• Impersonate others or misrepresent your identity.
• Upload malicious code or content.

13. Intellectual Property

RetireArc and its features, functionality, and content are owned by the Company and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our permission. Your data remains yours; this section applies only to the platform itself.

14. Disclaimer of Warranties

RETIREARC IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The service will be uninterrupted or error-free.
• Calculations, projections, or AI outputs will be accurate or complete.
• The service will meet your specific requirements.
• Any errors will be corrected within a specific timeframe.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RETIREARC, THE COMPANY, AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE.

For paid accounts, our total aggregate liability shall not exceed the amounts paid by you to RetireArc in the twelve (12) months preceding the claim. For free accounts, our maximum aggregate liability shall not exceed one hundred dollars ($100).

This limitation applies to all causes of action, including but not limited to breach of contract, tort (including negligence), and strict liability, and applies even if we have been advised of the possibility of such damages.

16. Indemnification

You agree to indemnify and hold harmless the Company, RetireArc, and their officers, directors, employees, and agents from any claims, damages, losses, and expenses (including reasonable attorney fees) arising from:

• Your use of the service.
• Your violation of these Terms.
• Your violation of any third-party rights.
• Financial decisions you or your clients make based on information from the platform.
• For advisors: any advice you provide to your clients using information or outputs from RetireArc.

17. Dispute Resolution

17.1 Informal Resolution

Before filing any formal proceeding, you agree to attempt to resolve any dispute with us informally by contacting support@retirearc.com. We will attempt to resolve the dispute within 30 days of receiving your notice.

17.2 Binding Arbitration

If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or the use of RetireArc shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall take place in the State of Texas. The arbitrator's decision shall be final and binding.

17.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

17.4 Exceptions

Either party may seek injunctive relief in any court of competent jurisdiction for claims related to intellectual property infringement or unauthorized access to the platform.

18. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from events beyond our reasonable control, including but not limited to: natural disasters, acts of government, pandemic, war, terrorism, power failures, internet outages, third-party service provider failures, or cyberattacks.

19. Termination

We may suspend or terminate your account if you violate these Terms or for any other reason with 30 days' notice. You may terminate your account at any time. Upon termination:

• Your right to use the service ceases immediately.
• You may request export of your data before termination.
• We will delete your data in accordance with our Privacy Policy.
• Provisions that by their nature should survive will survive (including limitation of liability, indemnification, dispute resolution, and intellectual property).

20. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Subject to the arbitration provisions above, any disputes not subject to arbitration shall be resolved in the state or federal courts located in Texas.

21. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the platform at least 30 days before they take effect. Your continued use after the effective date of changes constitutes acceptance. If you do not agree to updated Terms, you may terminate your account and export your data before the changes take effect.

22. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

23. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding your use of RetireArc and supersede any prior agreements or understandings.

24. Contact Us

If you have questions about these Terms, please contact us at:

Email: support@retirearc.com

© 2026 [YOUR LLC NAME] d/b/a RetireArc. All rights reserved.