Terms of Service
1) Use of the Site
You may use the Site only for lawful purposes and in accordance with these Terms. You must not attempt to interfere with the proper working of the Site.
2) Accounts & Security
If you create an account, you’re responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
3) Intellectual Property
All content on the Site—including text, graphics, logos, images, and software—is owned by RIV Financial Planning Inc. or its licensors and protected by applicable intellectual‑property laws.
4) User Content
If you submit content (e.g., comments, testimonials), you grant us a non‑exclusive, worldwide, royalty‑free license to use, reproduce, and display that content solely to operate and improve the Site and services.
5) SMS TEXT MESSAGING
Program Description
By opting into any RIV Financial Planning Inc. text messaging program, you consent to receive text messages (SMS) to your mobile number. Messages may include: financial updates, scheduling reminders, and promotional communications.
Message Frequency
Subscribers will receive recurring messages. Message and data rates may apply. Msg frequency varies. Messages are sent from an automated service. Participation is not required for the use of our services.
Opting Out
If at any time you wish to stop receiving SMS messages from us, simply reply to the text with “STOP” to [short code]. You may receive an SMS message confirming your opt out.
Support
If you have any questions or need assistance regarding our SMS communications, please text HELP to [short code], email info@retirementincomevisions.com, or call (855) 593‑5846.
6) Service Availability
We strive to ensure uninterrupted access to our services. However, we reserve the right to modify, suspend, or discontinue any part of the Site at any time.
7) Analytics and Tracking
We may use analytics and similar tools to collect anonymized usage data to help improve our services.
8) Limitation of Liability
To the fullest extent permitted by law, RIV Financial Planning Inc. shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of or inability to use our services.