Terms of Service
Welcome to Retirement Income Visions. These Terms of Service ("Terms") govern your access to and use of the website located at retirementincomevisions.com (the "Site") and the financial education, consulting, and related services offered by Retirement Income Visions ("we," "us," or "our"). By accessing the Site, enrolling in a plan, or otherwise using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the Site and our services.
1. Company Information
Phone: (888) 791-9677
Email: support@retirementincomevisions.com
Address: 1444 S Entertainment Ave, Boise, ID 83709
2. Nature of Our Services
Retirement Income Visions provides personalized financial education and retirement income consulting, including sustainable income stream design, investment diversification and annuity education, and personalized financial education programs delivered through Individual, Family, and Enterprise engagement plans. Our services are educational and consultative in nature and are designed to help clients understand retirement income concepts, strategies, and available options.
3. Financial Services Disclaimer
Retirement Income Visions is not a registered investment adviser, broker-dealer, or insurance agency. Nothing on the Site or provided through our services constitutes individualized investment, tax, legal, or insurance advice, nor a recommendation to buy or sell any specific security, annuity, or insurance product. All content, strategies, tools, and educational materials are provided for general informational purposes only and should not be relied upon as the sole basis for any financial decision.
Retirement outcomes depend on your individual circumstances, market performance, and other factors beyond our control. We make no guarantee, warranty, or representation regarding any specific financial outcome, and past performance of any strategy discussed on the Site is not indicative of future results. You are solely responsible for evaluating the merits and risks of any strategy before acting on it, and we encourage you to consult a licensed financial advisor, tax professional, or attorney before making financial decisions.
4. Subscription Plans, Billing, and Cancellation
Individual, Family, and Enterprise plans are billed on a recurring monthly or annual basis as selected at enrollment. Plans renew automatically at the then-current rate for the selected billing period until cancelled. You may cancel at any time through your account or by contacting us at support@retirementincomevisions.com; cancellation will take effect at the end of the current billing period, and we do not provide prorated refunds for partial periods except where required by law.
5. Intellectual Property
All content on the Site, including text, graphics, logos, educational materials, strategy frameworks, and software, is the property of Retirement Income Visions or its licensors and is protected under applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, publicly display, or create derivative works from any content on the Site without our prior written consent.
6. SMS Messaging – Account Notifications Only
By opting in through the Site, you agree to receive account notifications and marketing text messages from Retirement Income Visions at the mobile number provided. Message and data rates may apply, and message frequency may vary. Reply STOP at any time to opt out of receiving further messages, or reply HELP for assistance. Consent to receive marketing text messages is not a condition of enrolling in any plan or purchasing any service.
Carrier support for SMS messaging includes AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, and Clearsky. Carriers are not liable for delayed or undelivered messages.
7. Disclaimer of Warranties
The Site and our services are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that any educational content will achieve any particular financial result.
8. Limitation of Liability
To the fullest extent permitted by law, Retirement Income Visions, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of income, profits, or savings, arising out of or related to your use of the Site or our services, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from these Terms shall not exceed the amount you paid us in the twelve (12) months preceding the claim.
9. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Idaho, without regard to its conflict-of-laws principles. Any dispute arising under these Terms shall be resolved in the state or federal courts located in Ada County, Idaho.
10. Changes to These Terms
We may revise these Terms from time to time. The updated version will be posted on the Site with a new effective date reflected in the version history, and your continued use of the Site or our services after changes are posted constitutes your acceptance of the revised Terms.
11. Contact Information
If you have questions about these Terms, please contact us:
Phone: (888) 791-9677
Email: support@retirementincomevisions.com