Terms of Service

1. Description of Service

AdvisorCal provides a platform for financial advisors to publish white-label financial tools branded to their firm. The Service includes:

• 28 embeddable, white-label financial calculators covering retirement planning, tax analysis, Social Security optimization, estate planning, Medicare IRMAA, federal retirement (FERS, TSP, FEHB), and related financial topics;
• 14 internal advisor tools for in-depth client analysis, including Roth conversion analysis, tax bracket planning, RMD projections, estate tax modeling, IRMAA surcharge planning, Social Security optimization, retirement income projections, withdrawal strategy analysis, inflation impact assessment, FERS pension estimation, TSP withdrawal planning, FEHB & Medicare coordination, and federal benefits gap analysis;
• Client management features, including client profiles, report history, and notes;
• Lead capture functionality that collects prospect contact information and financial inputs;
• Branded PDF report generation for both calculator results and advisor tool analyses;
• White-label branding options (logo, colors, headshot, bio, company name);
• Landing page builder and calculator hub pages;
• Analytics dashboard tracking views, leads, conversions, and traffic sources;
• Social media ad graphics generator;
• Email lead notifications;
• Custom compliance disclosures (global and per-calculator/per-tool); and
• Meeting booking integration.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use the Service.

3. Account Registration

You must create an account with a valid email address and password to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Account sharing with third parties is prohibited. You must notify us immediately of any unauthorized use of your account.

4. Subscriptions and Payments

4.1 Free Trial. New accounts receive a 14-day free trial with full access to all features, including all calculators and advisor tools. A credit card is required to start the trial; you will not be charged until the trial ends.

4.2 Paid Subscription. Continued access after the trial period requires a paid subscription at $19.99 per month (billed monthly) or $199.90 per year (billed annually). All plans include full access to every feature — there are no feature tiers, per-lead fees, or add-on charges. Pricing changes require 30 days' notice.

4.3 Billing. Payments are processed through Stripe. Subscriptions auto-renew unless canceled. By subscribing, you agree to Stripe's terms of service. We do not store your credit card information directly.

4.4 Cancellation. You may cancel your subscription at any time through the billing portal. Upon cancellation, your access will continue through the end of your current billing period.

4.5 Payment Failures. Failed payments will trigger a 3-day grace period. Calculator and advisor tool access may be suspended if payment issues are not resolved within the grace period.

4.6 Refunds. Subscription fees are generally non-refundable. Billing errors must be reported within 7 days of the charge.

5. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any unlawful activity or misrepresent your identity or credentials;
• Represent calculator or advisor tool outputs as specific investment advice, guarantees, promises, or projections of future performance;
• Remove, alter, or obscure any compliance disclosures, disclaimers, or attribution notices;
• Resell, sublicense, or redistribute access to the Service or its underlying technology;
• Attempt to reverse engineer, decompile, or extract the source code of any calculators, tools, or other Service components;
• Use automated means to scrape, harvest, or extract data from the Service;
• Upload content that is infringing, illegal, harmful, threatening, abusive, defamatory, or otherwise objectionable;
• Interfere with or disrupt the integrity or performance of the Service;
• Collect data from end users without proper consent; or
• Violate any applicable local, state, national, or international law or regulation, including but not limited to SEC, FINRA, or state securities regulations.

6. Regulatory Compliance — Advisor Responsibility

Important: AdvisorCal is a technology platform, not a registered investment adviser, broker-dealer, or compliance consultant. As a financial professional, you bear sole responsibility for:

• Ensuring compliance with all applicable federal, state, and local laws;
• Obtaining necessary approvals from your compliance department or supervising entity;
• Reviewing all calculator outputs and advisor tool reports for accuracy before sharing with clients or the public;
• Configuring appropriate compliance disclosures (global, per-calculator, and per-tool);
• Ensuring all marketing materials, landing pages, and calculator embeds comply with applicable regulations;
• Complying with privacy laws (CCPA, GDPR, state regulations) when collecting lead data and entering client data into advisor tools;
• Maintaining required regulatory records, including records of any client-facing reports generated through the Service; and
• Determining the appropriateness of data collection and analysis for your specific regulatory situation.

AdvisorCal makes no representation or warranty that the Service, its calculators, advisor tools, outputs, reports, marketing materials, landing pages, or any other content is compliant with any specific regulatory framework. Regulatory requirements vary by registration type and jurisdiction; you should have compliance counsel review your configurations before publication.

7. Calculator and Advisor Tool Accuracy and Limitations

Calculators and advisor tools use publicly available government data (IRS, SSA, CMS) and produce estimates only. Results are based on simplified assumptions and the inputs provided — they may not account for all individual variations in tax law, benefits eligibility, or financial circumstances. Tax rules and thresholds change periodically, and we do not guarantee real-time updates.

You agree not to represent calculator outputs or advisor tool reports to clients as guarantees, promises, projections of future performance, or specific financial advice. All outputs are educational and illustrative in nature.

Custom Disclaimers. The Service allows you to configure global disclaimers as well as per-calculator and per-tool compliance disclaimers that appear on calculator pages and in PDF reports. You are responsible for ensuring that your disclaimers meet any requirements imposed by your compliance department or regulatory body.

8. Client Data and Reports

8.1 Advisor Tool Client Data. The advisor tools allow you to input client financial data, generate analytical reports, manage client profiles, and store report history and notes. You acknowledge that you are the data controller for all client data you input into the Service, and you are responsible for obtaining any necessary consent from your clients before entering their information.

8.2 PDF Reports. Branded PDF reports generated through the Service — for both calculator results and advisor tool analyses — include your firm branding, analysis results, data visualizations, and compliance disclaimers. Reports are generated based on the data you provide and the configuration you set. You are responsible for reviewing all reports for accuracy before sharing them with clients or prospects.

8.3 Lead Data. Contact information and financial inputs collected through lead-capture-enabled calculators belong to you. We process this data on your behalf and will not sell, share, or use lead data for any purpose other than providing the Service to you.

9. Intellectual Property

9.1 Our IP. The Service, including all calculators, advisor tools, algorithms, code, design, and documentation, is the exclusive property of The Maestro Media and is protected by copyright, trademark, and other intellectual property laws. Your subscription grants you a limited, non-exclusive, non-transferable license to use the Service during your subscription period.

9.2 Your Content. You retain ownership of all content you upload to the Service, including branding materials (logos, headshots, colors), client data, and custom configurations. By uploading content, you grant us a limited license to use it solely for the purpose of providing the Service to you.

9.3 Lead Data. Collected lead and prospect data belongs to you. We process it on your behalf and do not claim ownership.

10. Limitation of Liability

THE COMPANY IS NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE. This includes, without limitation, damages arising from: reliance on calculator or advisor tool outputs; regulatory penalties or enforcement actions; unauthorized access to your account; service interruptions; or errors in data, calculations, or reports.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. 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 THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT CALCULATOR OR ADVISOR TOOL OUTPUTS WILL BE ACCURATE OR COMPLETE, THAT THE SERVICE WILL MEET YOUR REGULATORY COMPLIANCE REQUIREMENTS, OR THAT DEFECTS WILL BE PROMPTLY CORRECTED.

12. Indemnification

You agree to indemnify, defend, and hold harmless The Maestro Media and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any content you upload or transmit through the Service; (e) any claim by a third party (including your clients or prospects) related to your use of calculator outputs, advisor tool reports, or other Service features; (f) any regulatory action or investigation related to your use of the Service; or (g) any dispute with a client or prospect arising from data collected or reports generated through the Service.

13. Data and Lead Management

You manage collected lead data, client data, and advisor tool reports through the dashboard. You may access, view, and delete individual leads, clients, and reports at any time. Upon account deletion, your access will be revoked immediately. Your lead data, client data, and report history will be retained in our systems for regulatory, legal, and analytical purposes, and will not be permanently deleted. You are responsible for handling all data in compliance with applicable privacy laws and for providing appropriate disclosures to prospects and clients.

14. Service Availability and Modifications

We strive for high availability but do not guarantee uninterrupted access. Features may be modified or discontinued at any time; material reductions in functionality will be communicated with reasonable notice. Access may be suspended for maintenance, security concerns, Terms violations, or non-payment.

15. Termination

Either party may terminate at any time. You may cancel through the billing portal or by contacting us directly. We may terminate accounts for Terms violations or harmful conduct. Upon termination: your access will be revoked; embedded calculators and landing pages will be deactivated; lead data, client data, and advisor tool reports will be retained for regulatory, legal, and analytical purposes; and any outstanding charges will be billed. Sections 6, 7, 9, 10, 11, and 12 shall survive termination.

16. Dispute Resolution

Disputes will first be addressed through good-faith negotiation. If negotiation fails, disputes will be resolved through binding arbitration under the rules of the American Arbitration Association, conducted in Indiana. You waive any right to a jury trial or to participate in a class action or class-wide arbitration.

17. Governing Law

These Terms are governed by the laws of the State of Indiana, without regard to conflict of law principles. Legal proceedings shall occur exclusively in Indiana state or federal courts.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

19. Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement between you and The Maestro Media regarding the Service and supersede all prior agreements and understandings.

20. Changes to These Terms

We may update these Terms at any time. Material changes will be communicated via email to the address associated with your account. Your continued use of the Service after changes are posted constitutes your acceptance of the updated Terms.

21. Contact Us

If you have questions about these Terms, please contact us at:

AdvisorCal
Operated by The Maestro Media
Email: isaiah@themaestromedia.com