Terms & Conditions
Last Updated: October 24, 2023
1. Acceptance of Terms
Welcome to Retirement Institute. By accessing our website, attending our seminars, or opting into our SMS messaging program, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our services or website.
2. Educational Disclaimer
The Retirement Institute provides educational courses for general, non-commercial use. The information presented in our classes, materials, and text messages is not intended to be construed as tax, legal, or financial advice. We do not promote or endorse any specific product or company. Course attendees should seek professional advice from their financial or tax professional before applying strategies taught or discussed in the course.
3. SMS Terms & Conditions
By opting into our SMS program, you agree to the following terms regarding text message communications:
- Opt-In: You explicitly consent to receive SMS messages from Retirement Institute by providing your phone number and checking the consent box on our forms.
- Purpose: Messages will be used to send event reminders, schedule updates, class materials, and related educational content.
- Message Frequency: Message frequency varies. Typically, you will receive 2-4 messages per month.
- Message & Data Rates: Standard message and data rates may apply from your wireless carrier for messages received.
- Opt-Out: You can opt-out of receiving SMS messages at any time by replying "STOP", "STOPALL", "END", "CANCEL", "UNSUBSCRIBE", or "QUIT" to any message we send. Upon doing so, you will receive a final confirmation message stating you have been unsubscribed. After opting out, you may opt back in at any time by submitting your phone number through our forms.
- Support: If you need assistance or have questions regarding our SMS program, you may reply "HELP" to any message, or contact us directly using the information provided below.
- Carrier Disclaimer: Retirement Institute is not liable for delayed or undelivered messages. Carriers are not liable for delayed or undelivered messages. We do not guarantee that messages will be delivered.
- Hardware & Software Requirements: You are responsible for ensuring your mobile device is compatible with receiving SMS messages and that your mobile plan supports text messaging.
4. Intellectual Property
All content provided on our website and during our seminars, including text, graphics, logos, and software, is the property of Retirement Institute or its content creators and is protected by United States and international copyright laws. Unauthorized reproduction, distribution, or use of any materials without express written permission is strictly prohibited.
5. Limitation of Liability
Retirement Institute and its instructors, affiliates, and partners shall not be liable for any direct, indirect, incidental, punitive, or consequential damages arising from your use of our website, attendance at our seminars, or participation in our SMS program. This includes, but is not limited to, any errors or omissions in content, loss of data, or interruption of service.
6. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts located in Henderson, Nevada.
7. Changes to Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Any changes will be effective immediately upon posting to this page. Your continued use of our services or website following the posting of changes constitutes your acceptance of those changes.
8. Contact Us
If you have questions or comments about these Terms and Conditions or our SMS practices, please contact us at:
Retirement Institute
250 S Green Valley Pkwy, Henderson, NV 89012
Email: info@retirementinstitute.com
Phone: (555) 123-4567