Terms of Service

Effective Date: August 13, 2026
Last Updated: August 13, 2026

Welcome to AmericasRetirementPlan.ai.

These Terms of Service (“Terms”) govern your access to and use of AmericasRetirementPlan.ai, including its website, artificial intelligence (“AI”) tools, educational content, calculators, questionnaires, forms, communications, referral services, and related features (collectively, the “Services”).

By accessing or using AmericasRetirementPlan.ai, you agree to these Terms. If you do not agree, please do not use the Services.

1. Purpose of AmericasRetirementPlan.ai

AmericasRetirementPlan.ai is designed to help individuals better understand retirement-related financial issues, ask questions, explore potential strategies, identify areas that may require additional attention, and, when appropriate, connect with a financial professional or other specialist.

Topics may include, among others:

  • Retirement planning

  • 401(k), 403(b), IRA, Solo 401(k), and other retirement accounts

  • Job changes and retirement-plan decisions

  • Rollovers and distributions

  • Investment concepts

  • Asset protection and preservation

  • Retirement income

  • Social Security

  • Medicare

  • Long-term care

  • Estate-planning concepts

  • Tax considerations

  • Career transitions

  • Business ownership and retirement

  • Financial planning concepts

The Services are intended primarily for educational and informational purposes unless and until you separately enter into a professional relationship with an appropriately qualified provider.

2. AI-Generated Information

AmericasRetirementPlan.ai uses artificial intelligence and automated technologies.

AI can provide useful educational information, but it has limitations. AI-generated information may occasionally be incomplete, outdated, inaccurate, or inappropriate for a particular person's circumstances.

You should not make important financial, investment, tax, legal, insurance, healthcare, Social Security, Medicare, or retirement decisions solely on the basis of an AI-generated response.

AmericasRetirementPlan.ai may periodically review, update, correct, or improve information generated through its AI systems.

You are responsible for independently evaluating information provided through the Services before acting upon it.

3. Not Individualized Investment Advice

Unless expressly stated otherwise in a separate written advisory agreement, information provided through AmericasRetirementPlan.ai does not constitute individualized investment advice.

Your use of the website, AI system, questionnaire, calculator, educational material, or other Services does not by itself establish an investment advisory relationship.

No AI conversation, website interaction, form submission, email exchange, or educational consultation should be interpreted as creating a fiduciary or investment advisory relationship unless such a relationship is established separately through the appropriate written agreements and disclosures.

4. No Offer or Solicitation

Nothing contained on AmericasRetirementPlan.ai should automatically be interpreted as:

  • An offer to buy or sell a security;

  • A recommendation to purchase or sell a particular investment;

  • A guarantee of investment performance;

  • A guarantee of retirement results;

  • A solicitation to engage an investment adviser in a jurisdiction where such solicitation would be unlawful; or

  • A representation that any particular investment, strategy, financial professional, or service is appropriate for you.

Investment advisory services, when offered, are provided only where legally permitted and subject to applicable registration, exemption, licensing, disclosure, and contractual requirements.

5. Financial Professional Referrals

AmericasRetirementPlan.ai may provide users with the opportunity to request assistance from a financial professional or other specialist.

To help determine an appropriate potential match, we may ask questions concerning:

  • Your state of residence

  • City or county

  • Approximate retirement or investment assets

  • Retirement objectives

  • Financial concerns

  • Whether your primary objective involves protecting, preserving, growing, or generating income from assets

  • Whether you prefer to work with someone in person or remotely

  • Other information relevant to identifying an appropriate professional

Based on the information you provide, AmericasRetirementPlan.ai may connect you with an affiliated or independent financial professional.

In some geographic areas, we may not currently have a professional available. In those circumstances, we may retain your request, with your permission and subject to our Privacy Policy, while attempting to identify an appropriate professional.

6. Referral Does Not Constitute a Recommendation

A referral or introduction to a financial professional does not necessarily constitute an endorsement, guarantee, or representation that the professional is the best or only professional available to you.

You are responsible for evaluating any financial professional before entering into a relationship.

Before hiring a financial professional, you should consider reviewing relevant credentials, regulatory history, services, fees, conflicts of interest, disclosures, and other information important to your decision.

Any professional relationship will be governed by the agreements and disclosures between you and that professional or the professional's firm.

7. Affiliated Financial Professionals

In some circumstances, AmericasRetirementPlan.ai may introduce users to a financial professional or investment advisory firm that has a business relationship or affiliation with AmericasRetirementPlan.ai or its owners or operators.

Accordingly, AmericasRetirementPlan.ai or an affiliated company may have a financial interest in your decision to engage a particular provider.

Where required by applicable law or regulation, material conflicts of interest, referral arrangements, compensation arrangements, and affiliations will be disclosed.

You should evaluate these potential conflicts when deciding whether to engage a referred professional.

8. Professional Availability

Financial services are regulated at the federal, state, territorial, and other jurisdictional levels.

The availability of particular financial professionals or services may therefore depend upon your location and the registration, licensing, exemption, or other regulatory status of the professional or firm.

The availability of information on AmericasRetirementPlan.ai does not mean that every service described is available to every user in every jurisdiction.

9. No Tax, Legal, or Accounting Advice

AmericasRetirementPlan.ai may provide general educational information concerning taxes, estate planning, business structures, retirement-plan rules, Social Security, Medicare, and related matters.

Such information is not intended to substitute for advice from a qualified attorney, CPA, tax professional, insurance professional, or other appropriately licensed adviser.

Laws, regulations, tax rules, contribution limits, eligibility requirements, and government programs change frequently.

You should verify important information with current authoritative sources and appropriate professionals before taking action.

10. Retirement Plan and Contribution Information

AmericasRetirementPlan.ai may provide information concerning contribution limits and rules applicable to 401(k)s, Solo 401(k)s, IRAs, Roth IRAs, SEP IRAs, SIMPLE plans, HSAs, and other accounts or programs.

These limits and rules may change annually and may depend upon age, income, employment status, business structure, compensation, plan design, and other factors.

A stated contribution limit should not be interpreted as the amount that a particular individual is necessarily permitted or advised to contribute.

Users should confirm current limits and their individual eligibility before making contributions or implementing a retirement-plan strategy.

11. Investment Risk

All investing involves risk.

Investments may increase or decrease in value, and you may lose some or all of the money invested.

Past performance does not guarantee future results.

No investment strategy can guarantee against loss, and no retirement strategy can guarantee that an individual will achieve a particular level of wealth, income, or financial security.

Any examples, projections, hypothetical illustrations, or calculations presented through the Services are for educational purposes unless expressly identified otherwise.

12. User Responsibilities

By using AmericasRetirementPlan.ai, you agree to provide information that is accurate to the best of your knowledge.

You agree not to:

  • Use the Services for unlawful purposes;

  • Attempt to gain unauthorized access to the website, AI system, databases, or related systems;

  • Interfere with the operation or security of the Services;

  • Introduce malicious software or code;

  • Use automated systems to scrape or extract substantial portions of the website without authorization;

  • Impersonate another person;

  • Provide intentionally false or misleading information;

  • Attempt to manipulate the AI system for unlawful or abusive purposes; or

  • Use the Services in a manner that infringes the rights of another person or organization.

13. Sensitive Personal Information

Do not provide Social Security numbers, financial-account passwords, account login credentials, complete credit card numbers, or similarly sensitive information through general website forms or AI conversations unless you are specifically directed to a secure system designed to receive such information.

AmericasRetirementPlan.ai will never need your investment account password in order to provide general educational information.

14. Communications

If you provide your contact information and appropriate consent, you may receive communications from AmericasRetirementPlan.ai or an appropriate professional regarding your inquiry, educational information, appointments, services, or related matters.

You may opt out of marketing emails using the unsubscribe instructions contained in those communications.

Where SMS/text messaging is offered, consent to receive marketing text messages is not a condition of purchasing investment advisory or other services. Message and data rates may apply. You may opt out of marketing text messages by replying STOP or following the instructions provided.

15. Privacy

Your use of AmericasRetirementPlan.ai is also governed by our Privacy Policy.

The Privacy Policy explains how we collect, use, disclose, protect, and retain information provided through the Services, including information submitted through AI conversations and referral questionnaires.

By using the Services, you acknowledge that you have had an opportunity to review the Privacy Policy.

16. Intellectual Property

Unless otherwise stated, the content and technology associated with AmericasRetirementPlan.ai, including text, graphics, branding, logos, educational materials, questionnaires, processes, software, AI configurations, prompts, designs, and other original materials, are owned by or licensed to AmericasRetirementPlan.ai or its affiliated entities.

You may use publicly available educational materials for your personal, noncommercial use.

You may not reproduce, sell, license, distribute, commercially exploit, systematically extract, or create substantially derivative commercial products from proprietary AmericasRetirementPlan.ai content without written authorization.

17. Third-Party Content and Links

AmericasRetirementPlan.ai may reference or link to third-party websites, government agencies, financial institutions, financial professionals, custodians, software providers, educational resources, or other organizations.

Third-party websites and services are governed by their own terms and privacy policies.

AmericasRetirementPlan.ai is not responsible for the content, availability, security, accuracy, products, services, or privacy practices of third parties.

18. Information May Change

Financial laws, tax rules, retirement-plan limits, securities regulations, Social Security rules, Medicare rules, economic conditions, interest rates, investment markets, and other information can change rapidly.

Although we seek to provide useful and current information, we do not guarantee that all information available through AmericasRetirementPlan.ai will always be complete, current, or error-free.

When a decision depends upon a specific rule, limit, law, regulation, deadline, or eligibility requirement, users should verify the information through authoritative sources or qualified professionals.

19. No Guarantee of Results

AmericasRetirementPlan.ai does not guarantee:

  • Investment returns;

  • Protection against investment losses;

  • Tax savings;

  • Retirement income;

  • Successful retirement outcomes;

  • Eligibility for any retirement strategy;

  • Availability of a particular financial professional;

  • Acceptance as a client by a financial professional;

  • Accuracy of every AI-generated response; or

  • Any particular financial or personal outcome.

Your financial results depend upon numerous factors outside our control.

20. Disclaimer of Warranties

To the fullest extent permitted by law, AmericasRetirementPlan.ai and its Services are provided on an “as is” and “as available” basis.

We make no warranty that the Services will be uninterrupted, error-free, completely secure, or suitable for every user's circumstances.

Nothing in these Terms excludes warranties or rights that cannot legally be excluded under applicable law.

21. Limitation of Liability

To the fullest extent permitted by applicable law, AmericasRetirementPlan.ai, its owners, affiliates, officers, employees, contractors, technology providers, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of or reliance upon the Services.

This includes losses arising from reliance upon AI-generated information, educational content, third-party information, or a decision to engage or not engage a referred professional.

Nothing in these Terms limits liability that cannot legally be limited or excluded.

22. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless AmericasRetirementPlan.ai and its affiliated entities, officers, employees, contractors, and representatives from claims, liabilities, losses, or expenses arising from your unlawful misuse of the Services, violation of these Terms, or infringement of another person's rights.

23. Service Modifications

We may add, modify, suspend, replace, or discontinue portions of AmericasRetirementPlan.ai at any time.

We may also update our AI technology, educational content, questionnaires, professional referral process, eligibility criteria, or available services as the platform develops.

24. Changes to These Terms

We may update these Terms periodically to reflect changes in our Services, technology, business practices, laws, or regulatory requirements.

Updated Terms will be posted with a revised “Last Updated” date.

Your continued use of the Services after revised Terms become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.

25. Governing Law

These Terms shall be governed by the laws applicable to the legal entity operating AmericasRetirementPlan.ai, without regard to conflict-of-law principles, except where applicable federal law or another jurisdiction's law requires otherwise.

Before publication, the operating legal entity and governing jurisdiction should be inserted below.

Operating Entity: Archimedes Worldwide, LLC
Governing Jurisdiction: Puerto Rico, United States

26. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

27. Entire Agreement

These Terms, together with the Privacy Policy and any other terms or disclosures expressly incorporated by reference, constitute the agreement governing your general use of AmericasRetirementPlan.ai.

Any separate investment advisory or professional-services relationship will be governed by the applicable agreements and regulatory disclosures associated with that relationship.

28. Contact Information

Questions regarding these Terms may be submitted through the contact information provided on AmericasRetirementPlan.ai.

AmericasRetirementPlan.ai
Archimedes Worldwide, LLC
190 Candelero Drive, Suite 154
Palmas del Mar, Humacao, PR. 00791

info@archmedesworldwide.com
(800) 871-3630

IMPORTANT FINANCIAL SERVICES DISCLOSURE

AmericasRetirementPlan.ai is an educational and technology platform intended to help individuals understand retirement-related issues and identify potential resources and professional assistance.

Information provided by AmericasRetirementPlan.ai, including information generated through artificial intelligence, is not a substitute for individualized professional advice.

Using AmericasRetirementPlan.ai does not establish an investment advisory or fiduciary relationship.

Investment advisory services, if offered, are provided separately through an appropriately registered or exempt investment adviser and are subject to applicable agreements, disclosures, eligibility requirements, and regulatory requirements.

Registration with a securities regulator does not imply a particular level of skill or training.

Before making significant financial, investment, retirement, tax, estate-planning, or legal decisions, users should consult appropriately qualified professionals and independently verify information relevant to their individual circumstances.