Terms & Conditions
Effective Date: {{EFFECTIVE_DATE}} Last Updated: {{EFFECTIVE_DATE}}
Welcome to Retirement Income Life. These Terms & Conditions (“Terms”) govern your access to and use of the website joinril.com (the “Site”) and any services, content, communications, or tools we provide through the Site (collectively, the “Services”) operated by Retirement Income Life LLC (“Retirement Income Life,” “RIL,” “we,” “us,” or “our”).
By accessing or using the Site or Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.
1. Who We Are
Retirement Income Life LLC is a {{STATE_OF_LICENSURE}}-based provider of retirement income planning, annuity, life insurance, and related financial product information and referral services. We are located at {{BUSINESS_ADDRESS}}.
Retirement Income Life is not a licensed law firm, tax advisor, or investment adviser. Any information provided through the Site or Services is for general informational purposes only and is not a substitute for advice from a licensed attorney, tax professional, or registered investment adviser.
2. Eligibility
You must be at least 18 years old and a legal resident of the United States to use the Site or Services. By using the Site, you represent and warrant that you meet these requirements.
3. Use of the Site
You agree to use the Site and Services only for lawful purposes and in accordance with these Terms. You will not:
- Use the Site in any way that could damage, disable, overburden, or impair it;
- Attempt to gain unauthorized access to any part of the Site, other accounts, computer systems, or networks connected to the Site;
- Use any automated system (including robots, spiders, or scrapers) to access the Site without our prior written permission;
- Submit false, misleading, or fraudulent information through any form on the Site;
- Copy, modify, distribute, sell, or lease any part of the Site or Services without our permission;
- Use the Site to transmit unsolicited advertising, spam, or harmful content.
4. Information You Provide
When you request a quote, book an appointment, or submit information through any form on the Site, you agree that the information you provide is accurate, current, and complete. We rely on this information to respond to your inquiry, and inaccurate information may affect the products or services we can offer you.
We handle the information you provide in accordance with our Privacy Policy.
5. Communications from Us
By providing your contact information and using the Site, you consent to receive communications from us related to your inquiry, quote request, or appointment, including by email and phone.
SMS/text messaging. Text messages will only be sent to you if you have specifically opted in to our SMS program. Opt-in, opt-out, and other SMS terms are described in detail in Section 3 of our Privacy Policy. You can opt out of SMS messages at any time by replying STOP.
Marketing communications. You will only receive marketing communications from us if you have specifically consented to them. You can opt out of marketing communications at any time by using the unsubscribe link in an email, replying STOP to a text, or contacting us directly.
6. No Insurance Contract Formed Through the Site
The Site provides information about insurance and financial products and allows you to request quotes and consultations. Nothing on the Site constitutes an offer of insurance, a binding quote, or a contract of insurance. Insurance coverage is subject to underwriting, application, approval, and issuance by the applicable insurance carrier, and is governed by the terms of the policy issued.
Any illustrations, projections, or figures shown on the Site are for informational purposes only, are not guarantees of future performance, and are not a promise of any specific outcome.
7. Third-Party Content and Links
The Site may include content, links, or references to third-party websites, insurance carriers, financial institutions, or service providers. We do not control and are not responsible for the content, accuracy, or practices of any third party. Your interactions with third parties are solely between you and that party.
8. Intellectual Property
All content on the Site — including text, graphics, logos, images, and software — is owned by Retirement Income Life LLC or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any Site content without our prior written permission, except for personal, non-commercial use.
The “Retirement Income Life” name and logo are trademarks of Retirement Income Life LLC.
9. Disclaimers
The Site and Services are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or that the Site will be uninterrupted or error-free.
We do not warrant that the information on the Site is accurate, complete, or current. Insurance product features, availability, pricing, and terms change over time and vary by state, carrier, and individual circumstances. Always confirm current terms directly with the applicable insurance carrier and consult a licensed professional before making financial decisions.
10. Limitation of Liability
To the fullest extent permitted by law, Retirement Income Life LLC, its officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to lost profits, lost data, or business interruption — arising out of or in connection with your use of the Site or Services, even if we have been advised of the possibility of such damages.
Our total aggregate liability to you for any claim arising out of or relating to these Terms or the Site shall not exceed one hundred U.S. dollars ($100).
Some jurisdictions do not allow the limitation or exclusion of liability for certain damages, so some of the above limitations may not apply to you.
11. Indemnification
You agree to indemnify, defend, and hold harmless Retirement Income Life LLC, its officers, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Site or Services, (b) your violation of these Terms, or (c) your violation of any rights of any third party.
12. Termination
We may suspend or terminate your access to the Site or Services at any time, for any reason, without notice. Upon termination, the provisions of these Terms that by their nature should survive termination (including Sections 8, 9, 10, 11, 13, and 14) will remain in effect.
13. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of {{STATE_OF_LICENSURE}}, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in {{STATE_OF_LICENSURE}}, and you consent to the personal jurisdiction of those courts.
14. Changes to These Terms
We may update these Terms from time to time. When we do, we will change the “Last Updated” date at the top of this page. Material changes will be communicated more prominently. Your continued use of the Site after the changes are posted constitutes your acceptance of the revised Terms.
15. Miscellaneous
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision does not constitute a waiver of that right or provision. These Terms constitute the entire agreement between you and Retirement Income Life regarding your use of the Site and supersede any prior agreements.
16. Contact Us
If you have questions about these Terms, please contact us:
Retirement Income Life LLC {{BUSINESS_ADDRESS}} Email: {{CONTACT_EMAIL}} Phone: {{BUSINESS_PHONE}}