Effective date: July 29, 2026
These Terms of Service govern your access to and use of Aftura, RetireIQ, and related websites, calculators, AI-supported education tools, content, forms, communications, and services. In these Terms, "Aftura," "we," "us," and "our" mean Richard E Peck III, doing business as Aftura, operating the Aftura and RetireIQ services.
By using the services, you agree to these Terms. If you do not agree, do not use the services.
1. What Aftura Is
Aftura provides retirement education, retirement intelligence tools, calculators, content, and preparation materials designed to help people ask better questions about retirement.
Unless expressly stated in a separate written agreement with a properly licensed professional, Aftura is not acting as your registered investment adviser, broker-dealer, insurance producer, tax adviser, law firm, Social Security claims adviser, fiduciary, trustee, custodian, or financial planner.
The services are not a substitute for individualized advice from a qualified professional who has reviewed your full circumstances.
2. Educational Use Only
Aftura may explain retirement concepts, compare general planning frameworks, illustrate hypothetical calculations, create educational summaries, and help you prepare questions for a licensed strategist. Our tools may address retirement-income, inflation, Social Security, Medicare, health-cost, insurance, and long-term-care concepts at a general level.
Aftura does not provide individualized financial, investment, insurance, tax, legal, estate, Social Security, Medicare, benefits, or accounting advice through the public site, calculator, AI tools, or automated outputs.
You should not treat any Aftura content, score, calculator result, AI output, email, report, or strategist-prep question as a recommendation to buy, sell, hold, surrender, exchange, roll over, convert, borrow, withdraw, claim, file, enroll, insure, allocate, or take any other action.
3. No Client Relationship Created by Site Use
Using the services, submitting a form, receiving a calculator result, reading content, interacting with an AI tool, or requesting a meeting does not create:
An advisory, brokerage, insurance, tax, legal, fiduciary, or agency relationship.
A duty to monitor your financial situation.
A duty to update content or outputs for later events.
A confidential professional relationship beyond the privacy commitments described in the Privacy Policy.
Any guarantee that a licensed professional will accept you as a client.
Any professional relationship must be established separately through the required disclosures, agreements, licensing, suitability or best-interest review, and onboarding process of the relevant professional or firm.
4. Eligibility and Intended Audience
The services are intended for adults in the United States. You must be at least 18 years old to use the services. The services are not directed to children.
Aftura is designed primarily for education and qualification, not for emergency financial decisions, market timing, legal deadlines, tax filing positions, insurance replacements, rollover decisions, or benefits elections.
5. Your Responsibilities
You are responsible for:
Providing accurate information if you choose to use a calculator or form.
Deciding what information to share.
Avoiding submission of Social Security numbers, full account numbers, account credentials, driver license numbers, full tax returns, medical records, estate documents, or other highly sensitive documents unless a separately approved secure licensed workflow asks for them.
Independently evaluating any educational output before relying on it.
Consulting qualified professionals before making financial, investment, insurance, tax, legal, benefits, or retirement decisions.
Maintaining the security of your devices, email, and accounts.
You may not use the services to:
Violate law or regulation.
Seek or provide unauthorized financial, legal, tax, investment, or insurance advice.
Upload malware, interfere with service operation, scrape the service, or bypass security controls.
Misrepresent your identity, affiliation, consent, or authority.
Reverse engineer, copy, resell, sublicense, or exploit the services except as allowed by law.
Use outputs to train competing AI systems or commercial datasets without written permission.
6. AI and Calculator Outputs
Aftura may use AI systems and calculator logic to generate educational explanations, scores, summaries, and questions. These outputs are limited by the information you provide, the assumptions in the model, available data, and the guardrails applied to the experience.
AI and calculator outputs may be wrong, incomplete, stale, or unsuitable for your facts. They may simplify complex tradeoffs. They may not reflect current tax laws, market conditions, Social Security rules, Medicare rules, insurance coverage or product terms, interest rates, inflation, state law, employer plan rules, or your full household circumstances.
You agree not to rely on any automated output as individualized advice. The appropriate use of an output is to learn, compare concepts, and prepare for a qualified human conversation.
7. No Guarantees
Aftura does not guarantee:
Retirement readiness.
Income sufficiency.
Investment performance.
Tax savings.
Risk reduction.
Insurance availability.
Product suitability.
Qualification for any meeting, product, strategy, or professional service.
Accuracy, completeness, or timeliness of public content, AI outputs, or calculator results.
Hypothetical examples are not predictions. Past performance, market history, academic research, or illustrated scenarios do not guarantee future results.
8. Third Parties and Professional Handoffs
The services may link to, integrate with, or refer you to third-party websites, scheduling systems, CRM systems, email providers, licensed professionals, insurance agencies, registered investment advisers, broker-dealers, custodians, carriers, tax professionals, attorneys, or educational resources.
Aftura is not responsible for third-party services, advice, products, acts, omissions, privacy practices, fees, conflicts, licensing status, or disclosures. You should review each third party's terms, privacy policy, regulatory disclosures, licensing status, compensation, conflicts, and agreements before engaging.
If a licensed professional contacts you after your consent, that professional is responsible for making any legally required disclosures and determining whether they may work with you.
9. Intellectual Property
The services, content, design, brand assets, text, calculators, scoring logic, software, workflows, reports, graphics, logos, and other materials are owned by Aftura or its licensors and are protected by intellectual property laws.
Subject to these Terms, Aftura grants you a limited, revocable, non-exclusive, non-transferable license to access and use the services for your personal, non-commercial education. You may not copy, modify, distribute, publish, sell, or create derivative works from the services without written permission, except for ordinary personal use such as saving or printing your own calculator result.
10. User Content and Feedback
If you submit information, prompts, messages, calculator inputs, feedback, or other content, you grant Aftura a non-exclusive, worldwide, royalty-free license to use, host, process, reproduce, analyze, and display that content as needed to provide, secure, improve, and operate the services, comply with law, and enforce these Terms.
You represent that you have the right to submit the information you provide and that it does not violate another person's rights or law.
If you provide feedback or suggestions, Aftura may use them without restriction or compensation.
11. Privacy
The Aftura Privacy Policy explains how we collect, use, share, and protect information. By using the services, you also agree to the practices described in the Privacy Policy.
12. Aftura Conversation and Appointment Text Messages
The Aftura Conversation and Appointment Messages program provides recurring, non-marketing text messages to people who request an Aftura conversation and separately choose to receive text messages. Messages may include confirmation that a request was received, appointment confirmations and reminders, scheduling or rescheduling information, cancellation notices, and limited follow-up directly related to the requested conversation.
Enrollment is optional. Providing a mobile phone number does not by itself enroll you. When an Aftura form offers text messaging, you must affirmatively select the separate, unchecked consent box. Consent is not a condition of purchasing any product or service, using an Aftura educational tool, submitting a form, or requesting a conversation. Consent to this program does not authorize marketing or promotional text messages.
Message frequency varies based on your request and appointment activity. Message and data rates may apply. Reply STOP to cancel or HELP for help. For additional assistance, email hello@aftura.com. After a valid STOP request, Aftura will not send further program messages except a confirmation of the opt-out or as otherwise permitted by law.
Wireless carriers are not liable for delayed or undelivered messages. Delivery is subject to carrier availability and is not guaranteed. Your mobile carrier's terms and charges may apply.
Text messaging consent is specific to Aftura and is not transferable. We do not sell, rent, transfer, or share mobile phone numbers, text messaging opt-in data, or text messaging consent with third parties or affiliates for their marketing or promotional purposes. Our Privacy Policy, linked in the footer below, provides additional information about how we handle personal information and messaging consent.
13. Disclaimers
The services are provided "as is" and "as available." To the fullest extent permitted by law, Aftura disclaims all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, title, non-infringement, availability, security, and uninterrupted operation.
Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you.
14. Limitation of Liability
To the fullest extent permitted by law, Aftura and its owners, officers, directors, employees, contractors, service providers, affiliates, licensors, and agents will not be liable for indirect, incidental, consequential, special, exemplary, punitive, or lost-profit damages, or for financial losses, investment losses, tax consequences, insurance consequences, legal consequences, business interruption, data loss, or reputational harm arising from or related to the services.
To the fullest extent permitted by law, Aftura's total liability for any claim arising from or related to the services will not exceed the greater of $100 or the amount you paid directly to Aftura for the service giving rise to the claim in the 12 months before the claim arose.
15. Indemnification
You agree to defend, indemnify, and hold harmless Aftura and its owners, officers, directors, employees, contractors, service providers, affiliates, licensors, and agents from claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys' fees, arising from your use of the services, your violation of these Terms, your violation of law, or information you submit.
16. Changes, Suspension, and Termination
Aftura may change, suspend, restrict, or discontinue any part of the services at any time. We may suspend or terminate access if we believe you violated these Terms, created risk, misused the services, or acted unlawfully.
We may update these Terms from time to time. The "Effective date" shows when the current version took effect. Continued use after changes means you accept the updated Terms.
17. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules, unless another jurisdiction's law is required to apply.
Any dispute that may be brought in court will be brought in a state or federal court of competent jurisdiction in Texas, unless a different forum is required by law. You and Aftura consent to personal jurisdiction and venue in those courts.