The operating rules for advisor access.

These Terms govern access to the RetireTax Scan Pro website and software service. By creating an account, accessing the authenticated workspace, or using the service, a user agrees to them and to the Privacy Policy and Software Disclosures incorporated by reference.

A person using the service for an employer, broker-dealer, registered investment adviser, insurance agency, or other organization represents that the person is authorized to act for that organization. The user and organization are each responsible for compliance with applicable firm agreements and policies.

The service is intended for adult financial professionals and authorized business users in the United States. It is not directed to children or intended for direct use by retail clients. Users must provide accurate account information and keep it current.

Each membership and account is assigned to one named authorized user. The user must safeguard credentials and recovery methods and promptly address suspected unauthorized access. A membership is not an office-wide or shared-user license, and additional users require separate subscriptions unless an accepted order expressly states otherwise.

Account sharing, simultaneous use by different people, impersonation, or use of another person's credentials is prohibited. The service may require additional authentication, apply reasonable access controls, or suspend access when misuse or security risk is suspected.

RetireTax Scan Pro is preliminary planning and discovery software. It organizes user-entered information into separate review indicators and produces a client-facing report designed to support further professional discussion.

The service is not tax-return preparation, tax-compliance software, an account aggregator, a custodian, a books-and-records archive, a comprehensive financial plan, or an emergency or transaction-execution service. It does not monitor accounts or automatically update a prior report.

Subject to these Terms and any applicable order or subscription terms, the operator grants the authorized user a limited, revocable, non-exclusive, non-transferable right to access and use the service for the user's lawful internal business and approved prospect or client planning activities during the subscription or authorized access period.

An authorized user may generate and use reports for permitted professional purposes, subject to firm approval and applicable law. No ownership interest in the software, source code, scoring methods, content library, interface, branding, or report design is transferred.

Users may not use the service unlawfully; bypass access or security controls; probe or disrupt the service; introduce malicious code; scrape or harvest information; reverse engineer protected portions except where law expressly permits; copy or create a competing service from protected elements; resell, sublicense, or share access without written permission; or misrepresent affiliation with the service.

Users may not present an indicator as a diagnosis, guaranteed result, individualized recommendation, or assurance of tax savings. The service may not be used to discriminate unlawfully, facilitate fraud, impersonate another person, or process information the user lacks authority to use.

The user represents that the user has a lawful and authorized basis to enter the information used in the scanner. The user is responsible for input accuracy, completeness, currency, consent, and the decision to use information about another household member.

Social Security numbers, full account numbers, passwords, login credentials, identity-document numbers, payment-card information, and other unnecessary sensitive identifiers must not be entered. Preferred names or initials should be used where practical.

Case inputs and results are held in browser session storage in the current version. Users control any PDF they print, download, email, or otherwise export and must protect it under firm policy and applicable law.

Scores, rankings, flags, labels, estimates, explanations, and reports are preliminary educational indicators based on the supported tax-year references, programmed screening logic, user-entered facts, and assumptions. They may be incomplete, inaccurate, outdated, or unsuitable for a particular person.

Official tax returns, account and custodian statements, plan documents, Social Security records, Medicare notices, insurance contracts, and legal documents control over software output. Users must independently review and verify the information before communicating or acting on it.

The service does not guarantee availability, accuracy, savings, performance, suitability, tax treatment, or any future result. Tax laws, agency guidance, thresholds, product terms, and personal circumstances can change.

The service and its operator do not provide legal, tax, accounting, insurance, brokerage, or individualized investment advice and do not act as an investment adviser, broker-dealer, insurance agency, law firm, accounting firm, tax preparer, custodian, or fiduciary by providing the software.

No output recommends buying, selling, holding, exchanging, or implementing a security, investment product, insurance product, tax strategy, or financial planning strategy. Appropriate licensed and qualified professionals should evaluate all decisions before implementation.

Users and their supervising firms remain responsible for approving the tool and use case, supervising users, reviewing inputs and outputs, determining whether a report may be shown or delivered, applying firm-specific disclosures, and complying with securities, insurance, privacy, advertising, tax, professional, and recordkeeping requirements.

The absence of an application case database does not eliminate a recordkeeping obligation. The content and business purpose of a report or communication may require approval and retention in the firm's approved system regardless of the device or technology used.

The service relies on third parties for functions such as hosting, authentication, subscription billing, and payment processing. Their services, availability, security practices, data processing, and legal terms are governed by their agreements. Third-party links are provided for convenience and do not imply control, endorsement, or responsibility for their content.

The automated AI phone assistant at 561-652-0459 uses Twilio for telephone connection and voice routing and Grok Assistant for the AI audio conversation. It may answer general software FAQs and assist with scheduling a 20-minute product demo. It does not provide tax, legal, financial, investment, insurance, or product advice and is not the channel for billing, refunds, account access, privacy, security, or compliance matters. Callers must not provide client, prospect, tax-return, account, payment-card, password, or other confidential information.

Online scheduling for the 20-minute product demo is provided through Calendly. Information entered on Calendly is subject to Calendly's services and legal terms. Users must not place client, prospect, tax-return, account, or other confidential financial information in scheduling fields.

Stripe provides hosted subscription checkout, payment processing, receipts, and the customer billing portal. Complete payment-card details are entered directly into Stripe's hosted checkout and are not intended to enter the RetireTax Scan Pro application or case workflow.

Current providers and service categories are identified on the Service Providers page. Future analytics, monitoring, email, document-processing, or other providers must be disclosed when enabled.

The founding offer is limited to the first 25 successfully paid memberships at $499 per year. The founding rate continues at annual renewals while that founding membership remains active. After the founding memberships are claimed, the standard price for new memberships is $999 per year. No monthly subscription is offered.

The current individual membership has no per-report charge or stated report cap for ordinary professional use by its named subscriber. Automated or scripted generation, bulk processing outside ordinary individual use, credential sharing, reselling, sublicensing, or use by multiple people under one membership is prohibited.

Subscriptions renew automatically each year at the applicable annual rate unless canceled before the renewal date. A cancellation ordinarily takes effect at the end of the then-current paid annual period, and access continues through that period unless the subscription is terminated earlier because of a refund, misuse, security risk, legal requirement, or another stated reason.

A signup without successful payment does not reserve a founding membership. A founding place is confirmed only after payment succeeds. Prices exclude any applicable taxes identified at checkout. Stripe processes the payment and may provide receipts, billing notices, and a customer portal under its own terms and privacy practices.

A new paid member may request a full refund within 30 calendar days of the initial purchase by contacting terry@frsadvisor.com. No reason is required. The refund will be returned to the original payment method, subject to ordinary processor timing, and access ends when the refund is processed. The guarantee does not apply to later annual renewal charges unless the checkout or an accepted order states otherwise.

Except for the initial-purchase guarantee, a legal requirement, or a written exception, annual charges are nonrefundable and the service does not provide prorated refunds for unused time. Plan-specific terms shown at checkout or in an accepted order form form part of the agreement and control over conflicting general language for that plan.

Features, interfaces, reference sets, scoring rules, providers, and availability may change as the service evolves. The operator may correct errors, update tax-year content, limit features, perform maintenance, or discontinue functions. No service-level commitment applies unless stated in a separate written agreement.

Access may be restricted or terminated for nonpayment after billing begins, misuse, security risk, violation of these Terms, legal requirements, provider limitations, or discontinuation of the service. Provisions that by their nature should survive termination, including intellectual property, responsibility for exported reports, disclaimers, limitations, and dispute provisions, are intended to survive.

RetireTax Scan Pro and its licensors retain their rights in the software, branding, documentation, report templates, interfaces, selection and arrangement of content, and proprietary screening methods. Users retain their rights in information they lawfully provide.

Subject to these Terms, an authorized user may use a generated report for an approved professional purpose. Required legends and disclosures may not be removed in a way that makes the report misleading. Feedback may be used to improve the service without an obligation to compensate the person providing it, provided the use does not identify a client or disclose confidential case information.

To the maximum extent permitted by law, the service is provided on an 'as is' and 'as available' basis without warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, uninterrupted access, error-free operation, or a particular result. Some jurisdictions do not allow certain warranty exclusions, so those exclusions may not apply in full.

Any additional limitations of liability, monetary caps, exclusions of indirect or consequential damages, indemnification obligations, and legally required exceptions applicable to a paid subscription will be stated in the accepted order form or subscription agreement. Nothing in these Terms excludes rights that cannot lawfully be excluded.

Users may receive account, security, billing, policy, and service notices electronically. Continued use after an effective policy update may constitute acceptance where permitted by law, but material changes will be communicated as required.

Questions about these Terms or current service access may be sent to terry@frsadvisor.com. The contracting entity, governing law, venue or dispute process, additional legal-notice methods, assignment rights, waiver, severability, force majeure, entire agreement, order of precedence, and contact terms applicable to a paid subscription will be identified in the accepted order form or subscription agreement.