1. Acceptance of Terms

By accessing the Plan Participant LLC website (the “Site”) or utilizing our AI guidance agent (“Henri”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Nature of Services

Plan Participant LLC provides educational resources and personalized financial guidance regarding employer-sponsored retirement plans.

• Educational Purpose: All information provided through the Site, including the Retirement Guide, is for educational purposes only.
• No Custody of Assets: We do not take physical possession, custody, or control of your retirement funds.
• No Guarantee of Results: We do not guarantee any specific investment results or that any recommendations will be profitable.

3. AI Agent Disclosure & Disclaimer

Our AI Agent, Henri, is a tool designed to assist with general inquiries and scheduling.

• Experimental Nature: Henri utilizes AI technology which may occasionally produce inaccurate or incomplete information.
• No Professional Advice: Communications from Henri do not constitute legal, tax, or professional investment advice. Users should verify all information independently.
• Human Oversight: We encourage users to exercise their own judgment. You may request to speak with a human representative at any time.

4. SMS and Mobile Messaging Terms

By opting in to receive SMS messages from Plan Participant LLC, you agree to the following:

• Consent: You explicitly consent to receive automated text messages (including reminders and alerts) at the phone number provided.
• Frequency: Message frequency varies based on your interactions with our services.
• Costs: Standard message and data rates may apply depending on your mobile carrier.
• Opt-Out: You may unsubscribe at any time by replying “STOP” to any of our messages.
• Support: Reply “HELP” for assistance or contact us.

5. User Responsibilities

• Accuracy: You are responsible for providing complete and accurate information about your financial situation.
• Implementation: You retain absolute discretion over whether to implement any guidance provided. You are free to accept or reject any recommendations.

6. Limitation of Liability

To the fullest extent permitted by law, Plan Participant LLC and its affiliates shall not be liable for any direct, indirect, or consequential damages resulting from your use of the Site, the AI agent, or any reliance on the information provided.

7. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Your continued use of the Site or services following such changes constitutes your acceptance of the new terms.

8. Contact Information

For questions regarding these Terms, please contact: Plan Participant LLC Six Concourse Parkway, Suite 1460 Sandy Springs, GA 30328