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Terms & Conditions

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1. Acceptance of Terms

By accessing or using the Retirement Income Matters website (“Site”), you agree to be bound by these Terms & Conditions and all applicable laws. If you do not agree, please discontinue use of the Site.

2. Informational Purposes Only

The content on this Site is provided for general informational and educational purposes. It is not intended as financial, investment, tax, or legal advice. Decisions regarding your financial situation should be made in consultation with a qualified professional who understands your individual circumstances.

3. No Client Relationship

Use of this Site does not create a client, advisory, or fiduciary relationship between you and Retirement Income Matters. A formal relationship is established only after a written agreement is executed.

4. Accuracy of Information

We strive to keep all information current and accurate, but we do not guarantee that the content on this Site is complete, reliable, or free from errors. We may update or modify content at any time without notice.

5. Use of the Site

You agree not to:

  • Use the Site for unlawful purposes

  • Attempt to gain unauthorized access to any systems or data

  • Copy, distribute, or modify Site content without permission

All content, including text, graphics, logos, and design elements, is the property of Retirement Income Matters and protected by applicable intellectual property laws.

6. Third‑Party Links

Our Site may contain links to third‑party websites for your convenience. We do not control, endorse, or assume responsibility for the content, policies, or practices of any third‑party site.

7. SMS Consent & Communications 

Overview

By opting in, you agree to receive SMS text messages from Retirement Income Matters at the mobile number you provide. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP, and you can request help by replying HELP. Your consent is not required as a condition of purchasing any services.

1. Appointment & Educational Messages (Non‑Marketing)

Required separate opt‑in:
☐ I agree to receive SMS text messages from Retirement Income Matters related to appointment confirmations, reminders, service updates, and educational materials. Message and data rates may apply.

These messages may include:

  • Appointment confirmations and reminders

  • Scheduling updates

  • Follow‑up instructions

  • Educational content related to retirement planning and financial literacy

2. Marketing Messages (Separate Opt‑In Required)

Optional separate opt‑in:
☐ I agree to receive promotional and marketing SMS messages from Retirement Income Matters, including special offers, event invitations, and product or service announcements. Message and data rates may apply.

This consent must be separate from scheduling/educational consent to comply with TCPA guidelines.

Opt‑Out Instructions

You may opt out of SMS messages at any time by replying STOP.
You may request assistance by replying HELP.
Opting out of marketing messages does not affect your ability to receive appointment‑related or educational messages if you have opted into those separately.

Privacy

Your information will be handled in accordance with our Privacy Policy. We do not sell or share your mobile number with third parties for their marketing purposes.

8. Privacy

Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

9. Limitation of Liability

To the fullest extent permitted by law, Retirement Income Matters is not liable for any direct, indirect, incidental, or consequential damages arising from:

  • Use of the Site

  • Reliance on information provided

  • Technical issues, interruptions, or errors

Your use of the Site is at your own risk.

10. Changes to These Terms

We may update these Terms & Conditions periodically. Continued use of the Site after changes are posted constitutes acceptance of the updated terms.

11. Contact Us

If you have questions about these Terms & Conditions or SMS consent, please contact us:

Retirement Income Matters
Email: RetirementIncomeMatters@gmail.com
Phone: (1) 843.236.7886

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