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.

10. Governing Law

These terms are governed by the laws of the State of Texas, without regard to conflict of law provisions. Any disputes shall be resolved in the courts of Travis County, Texas.

11. Contact

Questions about these terms? Contact us at legal@myaifinancialplan.com