Terms of Service
1. Use of the Site
You may use the Site solely for lawful purposes and in accordance with these Terms. You agree not to disrupt, damage, or attempt to interfere with the proper operation of the Site, servers, or network infrastructure. Any unauthorized use may result in termination of access.
2. Accounts & Security
If you create an account, you are responsible for maintaining the confidentiality of your username, password, and any login credentials associated with your profile. You agree to notify us immediately of any unauthorized use of your account. RIV Financial Planning Inc. Inc is not liable for losses caused by failure to secure your credentials.
3. Intellectual Property
All materials on the Site—including text, images, graphics, design elements, logos, downloadable resources, and software—are the exclusive property of RIV Financial Planning Inc. or its licensors. These materials are protected by U.S. and international copyright, trademark, and intellectual‑property laws. You may not reproduce, distribute, or create derivative works unless expressly permitted.
4. User Content
If you submit user content such as testimonials, feedback, comments, questions, or uploads, you grant RIV Financial Planning Inc. Inc a non‑exclusive, worldwide, transferable, royalty‑free license to use, reproduce, publish, and display your content to operate, improve, and promote our services. You affirm that your content does not infringe any third‑party rights.
5. SMS TEXT MESSAGING
Program Description
By opting into any RIV Financial Planning Inc. text messaging program, you consent to receive SMS messages to your mobile number. These messages include marketing messages promoting deals, webinars, and newly added services.
Messages may be sent through an automated dialing system. Consent is not a condition of any purchase or service.
Message Frequency
Message frequency varies. Subscribers may receive recurring communications depending on their interaction with our services. Standard message and data rates may apply according to your mobile carrier.
Opting Out
To stop receiving SMS messages at any time, reply “STOP” to 40749. You may receive a confirmation message verifying that you have opted out.
Support
For help or questions regarding SMS communications:
• Text HELP to 40749
• Email: info@retirementincomevisions.com
• Call: (855) 593‑5846
6. Service Availability
We aim to provide continuous access to our Site and services. However, we reserve the right to modify, suspend, or discontinue any part of the Site at any time, without prior notice. We are not liable for interruptions, delays, or service unavailability caused by maintenance, network issues, or external factors.
7. Analytics and Tracking
We may use analytics tools, tracking technologies, heat‑mapping software, or session‑recording tools to collect anonymized data that helps us understand how users interact with our website. This information is used to enhance functionality, improve service delivery, and ensure security.
8. Limitation of Liability
To the maximum extent permitted by law, RIV Financial Planning Inc. shall not be held liable for any indirect, incidental, punitive, or consequential damages arising from:
• Your use of or inability to access the Site
• Errors, omissions, or inaccuracies in content
• Technical issues, bugs, viruses, or system failures
• Any decisions made based on information provided through our services
Your sole remedy for dissatisfaction with the Site is to discontinue its use.
9. Indemnification
You agree to indemnify and hold harmless RIV Financial Planning Inc. Inc and its affiliates from any claims, liabilities, losses, damages, or expenses (including legal fees) arising from your violation of these Terms or misuse of the Site.
10. Changes to These Terms
We may update or modify these Terms at any time. Changes will be posted on this page with an updated revision date. Continued use of the Site signifies acceptance of the revised Terms.
11. Governing Law
These Terms are governed by the laws of the State of Idaho, without regard to conflict‑of‑law principles. Any disputes will be resolved in the appropriate courts of Ada County or Canyon County, Idaho.
12. Contact Information
If you have questions or concerns about these Terms of Service, please contact us:
RIV Financial Planning Inc.
Email: info@retirementincomevisions.com
Phone: (855) 593‑5846
Address: 1901 Caldwell Blvd, Nampa, ID 83651, United States