AI/Coaching Scope & Limitations

1.1 Educational and Reflective Tool

The Platform's AI coaching system is designed to:

• Prompt structured reflection across six dimensions of retirement readiness: Health, Wealth, People, Place, Passion, and Purpose
• Encourage you to identify values, goals, risks, and opportunities related to retirement and later-life transitions
• Suggest self-directed experiments, journaling prompts, and questions for further exploration
• Help you notice patterns in your thinking and behavior over time

The AI system relies on your assessment responses, de-identified patterns observed across users, and predefined coaching frameworks and heuristics.

1.2 Not a Human Coach or Therapist

The AI system is not a human coach, therapist, or counselor. It does not:

• Exercise professional judgment in the way a licensed human professional would
• Build a therapeutic or fiduciary relationship with you
• Monitor your well-being in real-time or intervene in crises

You should treat AI-generated content as informational and reflective, not as a personalized professional recommendation tailored to all facts and circumstances of your life.

2.1 No Medical or Health Coaching

The Platform may prompt you to reflect on:

• Lifestyle factors related to aging (e.g., exercise, nutrition, sleep)
• Preventive health screenings or general health awareness
• Emotional well-being, stress, or energy levels

However, the Platform:

• Does not diagnose, treat, cure, or prevent any disease or medical condition
• Does not recommend or adjust medications, supplements, or treatments
• Does not provide individualized medical or clinical health coaching

For any medical questions, symptoms, or treatment decisions, you must consult with a licensed healthcare provider. If you experience a medical emergency, call 911 or your local emergency number immediately.

2.2 No Psychological Counseling or Mental Health Treatment

The Platform may invite you to:

• Reflect on your mindset, motivations, or emotions
• Consider how you handle transitions, uncertainty, or identity changes
• Identify sources of stress, meaning, or fulfillment

However, the Platform:

• Does not provide psychotherapy, counseling, or mental health treatment
• Does not diagnose conditions such as depression, anxiety, or cognitive impairment
• Is not designed to monitor, assess, or respond to mental health crises

If you experience emotional distress, suicidal thoughts, or signs of a mental health condition, you must seek immediate help:

You must seek professional care from a licensed mental health provider for any psychological concerns.

2.3 No Financial, Investment, or Tax Advice

The Platform may:

• Prompt you to consider your retirement timeline, spending patterns, or risk tolerance at a very general level
• Encourage you to assemble your financial documents or consult with professionals
• Offer generalized educational content about financial concepts

However, the Platform:

• Does not provide individualized investment recommendations or portfolio allocations
• Does not assess the suitability of specific financial products or strategies
• Does not provide tax planning or tax filing advice

You must seek guidance from appropriately licensed financial and tax professionals before making any investment, withdrawal, insurance, estate planning, or tax-related decisions.

2.4 No Legal Advice

The Platform may encourage you to:

• Consider estate planning issues at a conceptual level
• Reflect on family dynamics or legacy intentions
• Identify whether you have key legal documents in place (e.g., wills, powers of attorney)

However, the Platform:

• Does not draft, review, or interpret legal documents
• Does not advise you about your legal rights, obligations, or options
• Does not represent you in any legal matter

You must consult with a licensed attorney for legal questions, including estate planning, elder law, housing, and contractual matters.

3.1 Non-Clinical Inferences

The AI system analyzes behavioral indicators, such as:

• Your language patterns and changes over time
• The consistency with which you engage in suggested exercises
• The level of detail and reflection in your responses

These analyses are intended solely to guide the type and tone of future prompts and content. They are not validated clinical or psychometric assessments and do not constitute a diagnosis, prognosis, or evidence of capacity or impairment.

3.2 Risks of Misinterpretation

Because AI-generated content can appear confident and authoritative, you should be aware that:

• You may overestimate its accuracy or appropriateness for your situation
• You may infer that the system knows more about you than it actually does
• You may attribute intentions or expertise to the system that it does not have

You must read all AI-generated suggestions critically and treat them as starting points for further thought and professional consultation, not as conclusions or directives.