Terms of Service

Effective December 1, 2026

These terms apply to this website and to every service offered on it. This website and those services are operated by AY & Co. LLC, a New York limited liability company ("we," "us"). By using the site or booking a service, you agree to these terms.

1. This website

The site describes our services and shows examples of our work. The demos and sample reports use made-up data and are provided as they are, for illustration only. We may change or remove any page, demo or tool at any time.

2. Free tools

The pension estimator and any other free tools give estimates based on published rules and the information you enter. They are not official figures. Only your retirement system can issue an official benefit. Do not make a decision based on a free tool alone.

3. Services in general

Each paid engagement is set out in a written proposal, engagement letter or booking confirmation. That document describes the scope, fee and timeline, and it controls if it differs from these terms.

• Fees and payment. Fees are stated in your proposal or at booking. Project work may require a deposit before work begins. Invoices are due as stated on the invoice.
• Your information. You agree to give us accurate and complete information. Our work depends on it.
• Confidentiality. We keep your business and personal information confidential and use it only to deliver your service, unless you agree otherwise or the law requires disclosure.
• Work product. Once you have paid in full, you own the deliverables made for you. We keep ownership of our own methods, templates, tools and know-how, and you receive a license to use any of them included in your deliverables for your own purposes.
• Our portfolio. We will not name you or show your work publicly without your written permission.

4. Pension reviews

• A pension review costs the amount shown at booking, paid in full when you book.
• You may reschedule at no charge with 24 hours notice. Cancel more than 24 hours ahead for a full refund. Late cancellations and missed meetings are not refunded but may be rescheduled once.
• All figures are estimates. You are responsible for confirming your benefit with TRS or BERS before you file.
• Some union members may be reimbursed by their union for an outside pension consultation. Reimbursement is decided by the union, not by us, and is not guaranteed.
• We are independent and not affiliated with or endorsed by the UFT, CSA, TRS, BERS or the New York City Department of Education.

5. What we do not provide

Our services are not legal, tax, investment or insurance advice, and we do not sell financial or insurance products or receive commissions. For those needs, consult a licensed attorney, tax professional, financial advisor or insurance professional.

6. Limits on our liability

To the fullest extent the law allows, our total liability for any claim related to a service is limited to the fees you paid for that service, and we are not liable for indirect, incidental or consequential losses, including lost income or benefits. Nothing in these terms limits liability that cannot be limited under New York law.

7. Other services we use

Booking, payments, forms and email may be handled by third parties such as scheduling and payment providers. Their own terms apply to your use of them.

8. Governing law

These terms are governed by the laws of the State of New York. Any dispute will be handled in the state or federal courts located in Kings County, New York.

9. Changes and contact

We may update these terms. The effective date at the top shows the latest version. Questions: [email protected].