Terms of Service

IMPORTANT: This platform provides financial analysis for educational and informational purposes only. It does not constitute investment advice, financial planning advice, or a recommendation to buy or sell any security. AI Financial Plan is not a registered investment adviser, broker-dealer, or financial planner. You should consult with a qualified professional before making financial decisions.

1. Acceptance of Terms

By accessing or using AI Financial Plan (“the Service”), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Nature of the Service

AI Financial Plan provides automated financial analysis using deterministic calculation engines. The Service is designed to provide educational financial information based on data you provide.

The Service does NOT:

• Provide investment advice or financial planning advice
• Recommend specific securities, mutual funds, ETFs, or investment products
• Recommend specific financial advisors, insurance agents, or firms
• Create a fiduciary relationship between you and AI Financial Plan
• Guarantee any particular investment outcome or financial result

The analysis is based on assumptions and projections that may not reflect actual market conditions, tax law changes, or personal circumstances. Past performance and projected outcomes are not guarantees of future results.

3. Your Responsibilities

• You are responsible for the accuracy of the financial data you provide
• You should consult with a qualified financial professional before making significant financial decisions
• You understand that analysis results are projections based on assumptions, not predictions
• You will not rely solely on this Service for financial decisions

4. Account & Authentication

Access to the Service requires an account authenticated via magic link email. You are responsible for maintaining the security of the email address associated with your account. You must immediately notify us if you believe your account has been compromised.

5. Payment & Refunds

Payments are processed securely by Stripe. We offer a 30-day money-back guarantee on all one-time purchases. If you are not satisfied with your analysis within 30 days of purchase, contact support@myaifinancialplan.com for a full refund.

Subscription plans may be canceled at any time. Cancellation takes effect at the end of the current billing period.

6. Intellectual Property

The analysis engines, methodologies, and platform design are the intellectual property of AI Financial Plan. Your analysis reports and the underlying financial data you provide remain your property.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AI FINANCIAL PLAN SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use of or inability to use the Service
• Any financial decisions made based on analysis provided by the Service
• Any inaccuracies in projections, calculations, or analysis
• Unauthorized access to or alteration of your data

In no event shall our total liability exceed the amount you paid for the Service in the twelve (12) months prior to the event giving rise to the claim.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that projections will be accurate or that results will be achieved.

9. Changes to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated via email or in-platform notification. Continued use of the Service after changes constitutes acceptance of the updated terms.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms and any dispute arising out of or relating to these Terms or the Platform shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

This governing law provision applies regardless of the location from which the Platform is accessed or used. Any litigation or proceedings not subject to arbitration under these Terms shall be brought exclusively in the state or federal courts located in the State of Delaware, and the parties consent to the personal jurisdiction of such courts.

12.2 Informal Dispute Resolution

Before initiating any formal dispute resolution proceeding, the parties agree to attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Platform through good-faith informal negotiation.

To initiate informal dispute resolution, the complaining party must send a written notice describing the nature of the dispute, the relief sought, and the party's contact information to:

• For disputes initiated by users: hello@myaifinancialplan.com
• For disputes initiated by the Company: the email address associated with the user's account

The parties agree to attempt informal resolution for a period of thirty (30) days from the date the written notice is received before proceeding to mediation or arbitration.

12.3 Mediation

If the dispute is not resolved through informal negotiation within the thirty (30) day period described in Section 12.2, either party may initiate non-binding mediation administered by the American Arbitration Association (AAA) under its applicable mediation procedures.

The mediation shall be conducted remotely (by telephone or videoconference) unless both parties agree otherwise. The cost of the mediator shall be shared equally between the parties.

If mediation does not resolve the dispute within thirty (30) days of the mediator's appointment, either party may proceed to binding arbitration as described in Section 12.4.

12.4 Binding Arbitration

If a dispute cannot be resolved through informal negotiation or mediation, the dispute shall be resolved through final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect.

The arbitration shall be conducted by a single arbitrator. The arbitration shall be conducted remotely (by telephone or videoconference) unless the arbitrator determines that an in-person hearing is necessary.

The arbitrator shall have the authority to award any relief that would be available in a court of competent jurisdiction, including injunctive or declaratory relief, and shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

12.4.1 Arbitration Fees

For claims of $10,000 or less, the Company will pay all AAA filing fees, administrative fees, and arbitrator fees associated with the arbitration. The Company will not seek reimbursement of these fees unless the arbitrator determines that the claim was frivolous or brought in bad faith.

For claims exceeding $10,000, AAA filing fees, administrative fees, and arbitrator fees shall be allocated in accordance with the AAA Consumer Arbitration Rules. If applicable law requires the Company to pay a greater share of arbitration costs, the Company will comply with applicable law. Each party shall bear its own attorneys' fees and costs unless the arbitrator awards fees and costs to the prevailing party where permitted by applicable law.

12.4.2 Small Claims Court Exception

Notwithstanding the foregoing, either party may bring an individual action in small claims court in the county or judicial district of the claimant's residence (or, for the Company, in the county of the Company's principal place of business) if the claim falls within the jurisdictional limits of the applicable small claims court. If a claim is filed in small claims court and subsequently transferred or removed to a court of general jurisdiction, the opposing party may elect to enforce this arbitration provision.

12.5 Class Action Waiver

YOU AND AI FINANCIAL PLANNER LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Unless both parties agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of the arbitration provisions in Section 12.4 shall be null and void.

12.6 Injunctive Relief

Notwithstanding the provisions of Sections 12.2, 12.3, and 12.4, nothing in these Terms shall prevent either party from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, or violation of a party's data security, intellectual property rights, or other proprietary rights.

11. Contact

Questions? legal@myaifinancialplan.com