Terms & Conditions

Effective Date: 20-04-2025

These Terms and Conditions ("Terms") govern your use of the services provided by Retire Wisely Financial Services Inc I DBA Retire Wisely ("we," "us," or "our"). By accessing or using our services, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, you should not use our services.

1. Services Provided

We provide customer support and automation services through various communication channels, including phone, SMS, email, and live chat. Our services are designed to assist businesses with customer engagement, lead generation, and support solutions.

2. User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information when requested.
• Use the services only for lawful purposes.
• Refrain from engaging in any activity that could damage, disable, or impair our services.
• Respect the privacy and rights of other users and third parties.

3. Account and Access

• You are responsible for maintaining the confidentiality of your account login details.
• We reserve the right to suspend or terminate your access if we detect unauthorized use or violations of these Terms.
• You must notify us immediately if you suspect any unauthorized access to your account.

4. Fees and Payment

• Payment terms and fees for our services will be outlined in your service agreement.
• Payments must be made promptly as per the agreed terms. Late or failed payments may result in suspension or termination of services.
• All fees are non-refundable unless otherwise stated in writing.

5. Intellectual Property

All content, trademarks, and intellectual property related to our services are owned by Retire Wisely. You may not copy, modify, distribute, or reproduce any part of our services without our prior written consent.

6. Privacy and Data Protection

• Our collection, use, and protection of your data are governed by our Privacy Policy.
• We will protect your personal information using industry-standard security measures.
• We will not disclose your mobile information for marketing or promotional purposes.
• You may opt out of SMS communications at any time by replying STOP.

7. Prohibited Activities

You agree NOT to:

• Use our services for any illegal or unauthorized purpose.
• Attempt to gain unauthorized access to our systems or data.
• Send spam, malware, or other harmful content through our services.
• Misuse our platform to harm others or disrupt services.

8. Limitation of Liability

• We are not liable for any indirect, incidental, or consequential damages resulting from your use of our services.
• Our total liability for any claim related to our services will not exceed the amount you have paid for the services in the past three months.
• We are not responsible for any loss of data, business interruptions, or damages resulting from third-party actions or circumstances beyond our control.

9. Indemnification

You agree to defend, indemnify, and hold harmless Retire Wisely Financial Services Inc I DBA Retire Wisely from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our services or violation of these Terms.

10. Termination

• We may suspend or terminate your access to our services if you violate these Terms, fail to make required payments, or if we discontinue the service or experience security issues.
• You may terminate your agreement with us by providing written notice.
• Upon termination, your access to the services will be discontinued, and outstanding fees will become due immediately.

11. Modifications to Terms

We may update or modify these Terms from time to time. Changes will be effective upon posting on our website. Your continued use of our services after changes indicates your acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of Florida without regard to its conflict of law principles. Any disputes shall be resolved in the state or federal courts of Florida.

13. Force Majeure

We are not liable for any failure or delay in service caused by events beyond our reasonable control, including natural disasters, government actions, strikes, and network failures.

14. SMS/Text Messages

14.1 SMS Program Description

Our SMS program provides text messages for appointment reminders, events, receipts, customer service, and occasionally promotional messages when you opt in. Message frequency varies depending on your interaction with our services.

14.2 Opting Out

You can cancel the SMS service at any time by texting “STOP” to the shortcode provided. Upon sending “STOP,” we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, or text “START.”

14.3 Help and Support

If you experience issues with the messaging program, reply to Mbudati@retirewisely.biz. Carriers are not liable for delayed or undelivered messages.

14.5 Message and Data Rates

Message and data rates may apply for messages sent to you from us and from you to us. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.

14.6 Recurring Messages Disclosure

By opting into our SMS program, you authorize us to send recurring text messages to the mobile phone number you provide. You are not required to agree to receive recurring messages as a condition of purchasing any goods or services.

14.7 Prohibited Content

Our SMS messages will never contain phishing attempts, smishing, illegal content, or SHAFT content (sex, hate, alcohol, firearms, tobacco) that does not comply with applicable laws.

14.8 SMS Opt-In Data Protection

All text messaging originator opt-in data and consent information will not be shared with any third parties, excluding aggregators and providers necessary to deliver the SMS service.

14.9 Privacy for SMS Services

For privacy-related inquiries regarding our SMS service, please refer to our Privacy Policy.

14.10 Contact Us

Address: 116 Foreside Rd, Pennsylvania, 19355, USA
Phone: +1 484-874-7875
Email: Mbudati@retirewisely.biz