Last updated: August 18, 2026
These Terms govern your use of RetirementAdvisor Pro, operated by IRMAA Certified Planner, including this website and the software provided under subscription (together, the “Service”). By using the Service you agree to these Terms. If you are agreeing on behalf of a firm, you confirm you have authority to bind that firm.
Section 9 contains a binding arbitration clause and a waiver of class actions. It affects how disputes between us are resolved. Please read it.
Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your professional practice.
We retain all right, title and interest in the Service, including the software, calculation engines, report templates, content, designs, trademarks and documentation. Nothing in these Terms transfers ownership to you.
You may not:
Your data. You retain ownership of client data and inputs you enter. You grant us only the licence needed to host and process that data in order to provide the Service.
Automatic renewal — please read
Subscriptions are billed in advance and renew automatically at the end of each billing period — monthly for monthly plans, annually for annual plans — at the then-current rate for your plan, charged to your payment method on file, until you cancel.
You may cancel at any time, effective at the end of the current billing period, from your account settings or by emailing support@retirementadvisorpro.com. Cancelling is no harder than subscribing, and we will not require a phone call to do it.
Refunds. Fees are non-refundable except where required by law or where we agree otherwise in writing. If we terminate your subscription without cause, we refund the unused portion of any prepaid term.
Seats. Multi-user plans are licensed per named user. Sharing a single login among multiple people is a breach of these Terms.
You agree not to use the Service to:
Your compliance obligations are yours. If you are a registered investment adviser, broker-dealer, insurance producer or tax professional, you remain solely responsible for meeting your own regulatory obligations, including advertising review, recordkeeping, suitability and supervision. Output from the Service is an input to your professional judgement, not a substitute for it.
RetirementAdvisor Pro is educational and analytical software. We are not a registered investment adviser, broker-dealer, insurance agency, law firm or accounting firm, and we do not provide investment, tax or legal advice. See our Disclosures.
Projections, illustrations and calculations are hypothetical, depend entirely on the assumptions entered, and are not predictions or guarantees. Tax, Medicare and Social Security rules change, and figures may be superseded. You are responsible for verifying results before relying on them with a client.
The service is provided “as is” and “as available”, without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranty of accuracy or uninterrupted availability.
To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data, or loss of business, however caused and on any theory of liability.
Our total aggregate liability arising out of or relating to the service will not exceed the amounts you paid us in the twelve months immediately before the event giving rise to the claim.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages. Where that is the case, the exclusions and limits above apply to the fullest extent permitted, and nothing here limits liability for fraud, wilful misconduct, or anything else that cannot lawfully be limited.
You agree to indemnify and hold harmless IRMAA Certified Planner, its officers, employees and agents from any third-party claim, loss, liability or expense (including reasonable legal fees) arising out of your use of the Service, your breach of these Terms, your violation of law or regulation, or advice you give a client using output from the Service.
We will indemnify you against a third-party claim that the Service, used as permitted, infringes a United States intellectual property right, provided you notify us promptly and let us control the defence.
You may stop using the Service at any time. We may suspend or terminate access if you materially breach these Terms, fail to pay, or use the Service in a way that risks harm to us, other users or third parties. Where practical we give notice and an opportunity to cure first; where the risk is immediate we may act first and notify you promptly.
On termination your licence ends. You may request an export of your data within 30 days, after which we may delete it in line with the retention periods in our Privacy Policy. Sections 2, 5, 6, 7, 9 and 10 survive termination.
Talk to us first. Most problems are resolved quickly. Before starting any formal proceeding, email support@retirementadvisorpro.com describing the dispute and the resolution you want. Both parties agree to try in good faith to resolve it for 30 days.
Binding arbitration. If we cannot resolve it, any dispute arising out of or relating to these Terms or the Service will be settled by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Arbitration takes place in Massachusetts, or remotely by agreement. Judgment on the award may be entered in any court of competent jurisdiction.
Class action waiver. Disputes will be brought only in an individual capacity. Neither party may bring a claim as a plaintiff or class member in any class, collective, consolidated or representative proceeding, and the arbitrator may not consolidate claims or preside over any form of representative proceeding.
How to opt out of arbitration
You may reject this arbitration agreement within 30 days of first accepting these Terms by emailing support@retirementadvisorpro.com with the subject line “Arbitration Opt-Out” and your account email address. Opting out does not affect any other part of these Terms, and we will not treat it as a reason to refuse or end service.
Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court to protect intellectual property or confidential information.
If the class action waiver is found unenforceable as to a particular claim, that claim proceeds in court and the rest of this section still applies to all other claims.
These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict of laws rules, and excluding the United Nations Convention on Contracts for the International Sale of Goods.
For any dispute not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Massachusetts.
If you believe material on this site infringes your copyright, send a notice under the Digital Millennium Copyright Act to support@retirementadvisorpro.com with the subject line “DMCA Notice”, including: identification of the work, identification of the material and its location, your contact details, a statement of good-faith belief that the use is unauthorised, a statement that the notice is accurate and that you are authorised to act, and your physical or electronic signature. We terminate the accounts of repeat infringers.
Changes. We may update these Terms. Material changes take effect 30 days after we post them or notify you, and continued use after that constitutes acceptance. The date at the top of this page shows the current version.
Severability. If any provision is held unenforceable, the rest remains in force.
No waiver. Failure to enforce a provision is not a waiver of it.
Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition or sale of assets.
Entire agreement. These Terms, the Privacy Policy and any order form make up the entire agreement between us.
Contact. support@retirementadvisorpro.com
IRMAA Certified Planner, 4 Standish Road, Lynnfield, MA 01940
