Disclosures – AmericasRetirementPlan.AI

Disclosures

AMERICASRETIREMENTPLAN.AI

WEBSITE DISCLOSURE & IMPORTANT INFORMATION

Last Updated: May 2026

Educational Purposes Only

AmericasRetirementPlan.ai ("ARP.ai") is an educational and informational platform designed to provide general financial, retirement, career transition, business-building, and related educational content.

The information provided through this website, its calculators, tools, AI-generated responses, videos, webinars, articles, reports, newsletters, emails, and other content is for educational purposes only and should not be construed as:

Investment advice
Financial planning advice
Tax advice
Legal advice
Accounting advice
Insurance advice
Estate planning advice
Retirement plan recommendations
A solicitation to buy or sell securities

No information provided through this website should be relied upon as a substitute for individualized professional advice.

Artificial Intelligence Disclosure

ARP.ai utilizes artificial intelligence technologies to provide educational content and responses.

Artificial intelligence systems may:

Produce incomplete information
Produce inaccurate information
Produce outdated information
Misinterpret user questions
Generate responses that may not apply to your individual circumstances

Users should independently verify all information and consult qualified professionals before making financial, investment, tax, legal, insurance, retirement, employment, or business decisions.

ARP.ai makes no representation that AI-generated responses are accurate, complete, current, or suitable for any particular purpose.

No Client Relationship Created

Use of this website, AI assistant, calculators, forms, downloads, webinars, emails, newsletters, strategy sessions, or educational materials does not create:

An investment advisory relationship
A financial planning relationship
A fiduciary relationship
An attorney-client relationship
A CPA-client relationship
Any professional advisory relationship

Any professional relationship may only be established through separate written agreements executed between the parties.

Investment Advisory Services

Investment advisory services are offered only through:

AtlanticMidwest Investment Research, LLC

where properly registered and in accordance with applicable laws and regulations.

Registration does not imply any level of skill or training.

Not all services described on this website are available in all jurisdictions.

No Investment Recommendations

Nothing contained on this website constitutes:

A recommendation to buy, sell, or hold any security
A recommendation regarding any investment strategy
A recommendation regarding any retirement account
A recommendation regarding any insurance product

All investments involve risk, including the possible loss of principal.

Past performance does not guarantee future results.

Retirement Planning Disclaimer

Retirement planning projections, calculators, estimates, simulations, and illustrations are hypothetical in nature.

Results may vary substantially from projections due to:

Market performance
Inflation
Interest rates
Tax law changes
Social Security changes
Health care costs
Longevity
Individual circumstances

No guarantee is made that any retirement objective will be achieved.

Financial Runway Calculator Disclaimer

The Financial Runway Calculator and related planning tools provide estimates only.

Results:

Are hypothetical
Are not guarantees
Should not be relied upon as financial advice
Do not account for all financial circumstances

Users should consult qualified professionals before making decisions based upon calculator results.

Career Transition & Business Building Disclaimer

Career transition, entrepreneurship, business development, membership business creation, marketing systems, recurring revenue models, and related educational content are provided solely for educational purposes.

No guarantee is made regarding:

Employment outcomes
Business success
Revenue generation
Membership growth
Profitability
Investment returns
Retirement outcomes

Individual results will vary.

Testimonials & Examples

Testimonials, case studies, examples, illustrations, and success stories presented on this website may not be representative of the experience of all users.

Individual results vary significantly.

No assurance is made that similar results can or will be achieved.

Third-Party Content

ARP.ai may provide links to third-party websites, products, services, resources, or tools.

ARP.ai:

Does not control third-party content
Does not guarantee accuracy
Does not endorse third-party opinions
Is not responsible for third-party products or services

Users access third-party resources at their own risk.

Affiliate Relationships

Certain links, products, services, software, educational programs, calculators, and resources referenced on this website may result in compensation to ARP.ai or its affiliated entities.

Any such compensation generally comes at no additional cost to users.

No Warranty

Information is provided "AS IS" and "AS AVAILABLE."

ARP.ai makes no warranties, express or implied, regarding:

Accuracy
Reliability
Completeness
Timeliness
Availability
Fitness for a particular purpose

Limitation of Liability

To the fullest extent permitted by law, ARP.ai, its owners, officers, employees, contractors, affiliates, licensors, partners, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from:

Use of the website
Reliance on information provided
AI-generated responses
Financial decisions
Investment decisions
Retirement decisions
Employment decisions
Business decisions

AMERICASRETIREMENTPLAN.AI

PRIVACY POLICY

Last Updated: May 2026

Information We Collect

We may collect:

Personal Information

Name
Email address
Phone number
Mailing address
State of residence
Age range
Financial planning interests

Technical Information

IP address
Browser type
Device information
Website usage information
Cookies and tracking technologies

Information You Provide

Information entered into:

Forms
AI chats
Calculators
Assessments
Webinar registrations
Strategy session requests

How We Use Information

We may use information to:

Provide requested information
Improve website functionality
Improve AI responses
Schedule consultations
Deliver newsletters
Send educational materials
Conduct marketing activities
Analyze website performance
Meet legal obligations

Sharing Information

We do not sell personal information.

Information may be shared with:

Service providers
Technology vendors
CRM providers
Email service providers
Analytics providers
Regulatory authorities when required by law

Cookies

We use cookies and similar technologies to:

Improve user experience
Measure website performance
Analyze visitor activity
Deliver relevant marketing communications

Users may disable cookies through browser settings.

Data Security

We implement reasonable administrative, technical, and physical safeguards.

However, no method of transmission or storage is completely secure.

Your Rights

Depending on your jurisdiction, you may have rights to:

Access personal information
Correct information
Delete information
Restrict processing
Opt out of marketing communications

Requests may be submitted through the contact information provided on the website.

Children's Privacy

This website is not intended for individuals under age 18.

We do not knowingly collect information from minors.

Changes to Privacy Policy

We reserve the right to modify this Privacy Policy at any time.

Continued use of the website constitutes acceptance of revisions.

AMERICASRETIREMENTPLAN.AI

TERMS OF SERVICE

Last Updated: May 2026

Acceptance of Terms

By accessing or using AmericasRetirementPlan.ai, you agree to be bound by these Terms of Service.

If you do not agree, do not use the website.

Eligibility

Users must be at least 18 years old.

Permitted Use

Users may use the website solely for lawful educational and informational purposes.

Users agree not to:

Violate laws
Attempt unauthorized access
Disrupt website operations
Reverse engineer software
Use automated scraping tools
Upload malicious code

AI Services

AI-generated content:

Is educational only
May contain inaccuracies
Is not professional advice
Should be independently verified

Users assume full responsibility for decisions based on AI-generated content.

Intellectual Property

All website content including:

Text
Graphics
Logos
Videos
Calculators
Software
Educational materials

is owned by ARP.ai or its licensors and protected by applicable intellectual property laws.

User Submissions

Users retain ownership of submitted content but grant ARP.ai a non-exclusive license to use submitted information for website operations and service delivery.

No Guarantee of Results

ARP.ai does not guarantee:

Investment success
Retirement success
Business success
Employment outcomes
Financial outcomes

All examples are illustrative only.

Limitation of Liability

Maximum liability shall not exceed the amount paid, if any, by the user for access to the website.

ARP.ai shall not be liable for indirect, incidental, special, punitive, or consequential damages.

Indemnification

Users agree to indemnify and hold harmless ARP.ai and its affiliates from claims arising from misuse of the website or violation of these Terms.

Governing Law

These Terms shall be governed by the laws of the Commonwealth of Puerto Rico, without regard to conflict of law principles.

Dispute Resolution

Any dispute shall first be addressed through good-faith negotiation.

If unresolved, disputes shall be submitted to binding arbitration in Puerto Rico.

Contact Information

Questions regarding these Terms, Privacy Policy, or Disclosures may be directed to:

AmericasRetirementPlan.ai
AtlanticMidwest Investment Research, LLC
Registered Investment Adviser

Additional Recommendation

Because you are a registered investment adviser and ARP.ai is a lead-generation and educational platform that feeds prospects into AtlanticMidwest Investment Research, I would also create:

RIA Regulatory Disclosure Page
ADV Part 2A Link
ADV Part 3 (Form CRS) Link
AI-Specific Disclaimer Popup
Calculator-Specific Disclaimer
Webinar Registration Disclaimer
Lead Form Consent Language
TCPA Text Messaging Consent
Email Marketing Consent Language
California Privacy Rights (CCPA/CPRA) Addendum

Those additional disclosures will significantly strengthen the compliance posture of AmericasRetirementPlan.ai.

Create each disclosure and link above

If you're putting this into production for a regulated advisory ecosystem, I would build 10 separate pages and link them from every page footer. This creates a much stronger compliance framework than one giant disclosure page.

FOOTER LINKS

Important Disclosures
Privacy Policy
Terms of Service
RIA Regulatory Disclosure
Form ADV Part 2A
Form CRS
AI Disclosure
Calculator Disclosure
Webinar Disclaimer
SMS/Text Consent
Email Marketing Consent
California Privacy Notice

PAGE 1

IMPORTANT DISCLOSURES

URL:
/important-disclosures

General Information

AmericasRetirementPlan.ai ("ARP.ai") is an educational platform designed to provide general information regarding retirement planning, financial planning, career transitions, business development, entrepreneurship, investing, and related topics.

The information contained on this website is for educational and informational purposes only and should not be construed as personalized financial, investment, legal, tax, accounting, insurance, retirement, or business advice.

No information presented on this website should be relied upon as the sole basis for making financial decisions.

Past performance does not guarantee future results.

All investments involve risk, including possible loss of principal.

Individual results will vary.

No Advisory Relationship

Use of this website does not establish:

A fiduciary relationship
An investment advisory relationship
A financial planning relationship
An attorney-client relationship
A CPA-client relationship

Any professional relationship must be established through separate written agreements.

No Guarantee

No guarantee is made regarding:

Investment performance
Retirement outcomes
Employment outcomes
Business success
Income generation
Tax savings
Estate planning results

PAGE 2

PRIVACY POLICY

URL:
/privacy-policy

Information We Collect

We may collect:

Personal Information

Name
Email address
Telephone number
Mailing address
State of residence
Retirement planning interests

Technical Information

IP address
Browser information
Device information
Cookies
Analytics information

User Submitted Information

Information entered into:

Contact forms
Strategy session requests
Webinar registrations
Financial calculators
AI chat interactions

How Information Is Used

Information may be used to:

Respond to inquiries
Deliver requested information
Schedule appointments
Improve website functionality
Improve AI functionality
Send educational materials
Send newsletters
Conduct marketing activities

Sharing Information

We do not sell personal information.

Information may be shared with:

CRM providers
Marketing providers
Email providers
Technology vendors
Regulatory authorities

PAGE 3

TERMS OF SERVICE

URL:
/terms-of-service

Acceptance

By using ARP.ai, you agree to these Terms.

Eligibility

You must be at least 18 years old.

Prohibited Activities

Users may not:

Attempt unauthorized access
Reverse engineer software
Distribute malicious code
Interfere with website operation
Misrepresent identity

Intellectual Property

All website content remains property of ARP.ai and/or its licensors.

Disclaimer

All content is provided "AS IS."

No warranties are expressed or implied.

Limitation of Liability

ARP.ai shall not be liable for any direct, indirect, incidental, consequential, or special damages.

PAGE 4

RIA REGULATORY DISCLOSURE

URL:
/ria-disclosure

Investment Advisory Services

Investment advisory services are offered through:

AtlanticMidwest Investment Research, LLC

a registered investment adviser ("RIA").

Registration does not imply a certain level of skill or training.

Advisory services are only offered in jurisdictions where AtlanticMidwest Investment Research, LLC is properly registered or exempt from registration.

No Offer

Nothing on this website constitutes:

An offer to sell securities
A solicitation to purchase securities
Personalized investment advice

Advisory Relationship

An advisory relationship is established only after:

Client suitability review
Completion of required documentation
Execution of advisory agreements

PAGE 5

FORM ADV PART 2A

URL:
/form-adv

Current Brochure

For important information regarding:

Services
Fees
Conflicts of interest
Investment strategies
Disciplinary information

please review our current Form ADV Part 2A brochure.

Download Current Form ADV

[PDF LINK]

PAGE 6

FORM CRS

URL:
/form-crs

Client Relationship Summary

Please review our Client Relationship Summary (Form CRS).

This document explains:

Services
Fees
Conflicts
Standards of conduct
Additional resources

Download Form CRS

[PDF LINK]

PAGE 7

AI DISCLOSURE

URL:
/ai-disclosure

Artificial Intelligence Notice

ARP.ai uses artificial intelligence technologies.

AI-generated content may:

Be inaccurate
Be incomplete
Become outdated
Misinterpret questions

Users should independently verify all information.

Not Advice

AI-generated responses do not constitute:

Investment advice
Financial planning advice
Tax advice
Legal advice

No Reliance

Users assume full responsibility for decisions made using AI-generated content.

PAGE 8

CALCULATOR DISCLOSURE

URL:
/calculator-disclosure

Financial Calculators

Calculators available through ARP.ai are educational tools only.

Calculator outputs are:

Estimates
Hypothetical illustrations
Not guarantees

Calculators cannot account for:

Tax law changes
Market fluctuations
Inflation changes
Individual circumstances

No Advice

Calculator results do not constitute financial planning or investment advice.

PAGE 9

WEBINAR DISCLAIMER

URL:
/webinar-disclaimer

Educational Purpose

Webinars are educational presentations.

Webinar participation does not create:

A fiduciary relationship
An advisory relationship
A client relationship

No Recommendations

Examples and illustrations presented are educational and not recommendations.

Recording Notice

Webinars may be recorded.

Participation constitutes consent to recording.

PAGE 10

SMS/TEXT MESSAGING CONSENT

URL:
/sms-consent

Consent

By providing your mobile number, you consent to receive:

Appointment reminders
Educational updates
Event notifications
Marketing messages

from ARP.ai and affiliated entities.

Frequency

Message frequency varies.

Charges

Message and data rates may apply.

Opt Out

Reply STOP to unsubscribe.

Reply HELP for assistance.

Consent is not a condition of purchase.

PAGE 11

EMAIL MARKETING CONSENT

URL:
/email-consent

Consent

By submitting your email address, you agree to receive:

Educational newsletters
Webinar invitations
Planning resources
Marketing communications

Unsubscribe

You may unsubscribe at any time using the unsubscribe link included in emails.

PAGE 12

CALIFORNIA PRIVACY NOTICE

URL:
/california-privacy

California Residents

California residents may have rights under:

California Consumer Privacy Act (CCPA)
California Privacy Rights Act (CPRA)

including:

Right to Know

Request information collected about you.

Right to Delete

Request deletion of personal information.

Right to Correct

Request correction of inaccurate information.

Right to Limit

Limit use of certain information.

Right to Non-Discrimination

Receive equal service regardless of privacy requests.

To exercise rights, contact:

privacy@americasretirementplan.ai

LEAD FORM CONSENT LANGUAGE

Place directly under every form:

By submitting this form, you agree to receive communications from AmericasRetirementPlan.ai, AtlanticMidwest Investment Research, LLC, LifeByDesign360, Strategic Wealth Initiative, and affiliated entities regarding educational content, planning resources, webinars, products, services, and appointment opportunities. Consent is not a condition of purchase. Message and data rates may apply. You may unsubscribe at any time. Please review our Privacy Policy, Terms of Service, and Important Disclosures.

FOOTER COMPLIANCE BLOCK

Place on every page:

Advisory services offered through AtlanticMidwest Investment Research, LLC, a Registered Investment Adviser. Registration does not imply a certain level of skill or training. AmericasRetirementPlan.ai provides educational content only and does not provide personalized investment advice through this website or its AI systems. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results.

This structure is similar to what many larger advisory firms, fintechs, retirement planning sites, and AI-enabled financial education platforms use to separate regulatory, privacy, AI, calculator, and marketing disclosures into distinct pages rather than burying everything in one document.

WEBINAR AND SEMINAR DISCLOSURE

Effective Date: __________

AmericasRetirementPlan.ai may offer educational webinars, workshops, presentations, seminars, and online events.

Participation in any event is voluntary.

Information presented during educational events:

Is general in nature • Is not personalized advice • Does not constitute an investment recommendation • Does not establish an advisory relationship

Examples, illustrations, case studies, and hypothetical scenarios discussed during events are presented solely for educational purposes and should not be relied upon as guarantees of future outcomes.

Attendance at any webinar, seminar, workshop, or presentation does not create a client relationship with AtlanticMidwest Investment Research, LLC.

Any offer of advisory services shall be made only through the execution of a written advisory agreement.

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