Terms of Service

1. Acceptance of Terms

Welcome to RetireReady Financial Services. By accessing or using our website, mobile applications, and services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our Services.

These Terms constitute a legally binding agreement between you and RetireReady Financial Services ("Company," "we," "us," or "our"). Please read them carefully before using our Services.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our Services under applicable law
• Provide accurate and complete registration information

3. Account Registration and Security

To access certain features of our Services, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password confidential and secure
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

4. Services Description

RetireReady Financial Services provides retirement planning tools, investment education, product comparisons, and account management services. Our Services include:

• Retirement calculators and planning tools
• Investment product comparisons and recommendations
• Educational articles, guides, and webinars
• Secure client account management portal
• Personalized retirement planning consultations

5. Investment Disclaimer

All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Before making any investment decisions, you should:

• Consult with a qualified financial advisor
• Consider your personal financial situation and goals
• Understand the risks associated with each investment
• Read all prospectuses and disclosure documents carefully

6. Prohibited Activities

You agree not to:

• Use our Services for any unlawful purpose
• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our Services
• Copy, modify, or distribute our content without permission
• Use automated systems to access our Services
• Engage in any activity that could harm our reputation
• Violate any applicable laws or regulations

7. Intellectual Property

All content on our website, including text, graphics, logos, images, software, and other materials, is the property of RetireReady Financial Services or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content without our prior written consent.

8. Limitation of Liability

To the maximum extent permitted by law, RetireReady Financial Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or goodwill
• Investment losses or financial damages
• Service interruptions or system failures
• Errors or omissions in content
• Unauthorized access to your account

9. Indemnification

You agree to indemnify, defend, and hold harmless RetireReady Financial Services, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of our Services, violation of these Terms, or infringement of any third-party rights.

10. Dispute Resolution

Any disputes arising from these Terms or your use of our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in New York, NY.

You agree to waive any right to participate in a class action lawsuit or class-wide arbitration against RetireReady Financial Services.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our Services after such changes constitutes acceptance of the new Terms.

13. Contact Information

For questions about these Terms, please contact us: