Terms of Service

Last Updated: October 21, 2025

AGREEMENT TO TERMS

By accessing or using RetirementAdvisorFinder.com ("we," "us," "our," "the Service"), you agree to these Terms of Service. If you don't agree, don't use our Service.

1. WHAT WE ARE (AND AREN'T)

We Are: A free lead generation and matching service that connects individuals with licensed financial professionals.

We Are NOT:

• A financial advisor, broker, or investment advisor

• A registered investment advisor (RIA)

• An insurance agent or agency

• A financial planner

• A fiduciary to you

We Do NOT:

• Provide financial advice or recommendations

• Recommend specific investments, products, or strategies

• Sell financial products or insurance

• Manage money or accounts

• Guarantee any financial outcomes

What We Do: We match you with 1-3 independent, licensed financial advisors based on information you provide.

2. HOW OUR SERVICE WORKS

Your Part:

1. Complete our matching form (name, contact info, retirement planning stage, concerns)

2. Provide express consent to be contacted

3. Submit the form

Our Part:

1. Match you with up to 3 licensed financial advisors who specialize in your needs

2. Share your information with these advisors

3. Facilitate introductions

Advisor Part:

• Independent advisors contact you to offer their services

• You have free consultations with them

• You decide whether to engage any advisor (or none)

Important: Your relationship with any advisor is separate from your use of our matching service. We are not party to any agreement between you and an advisor.

3. INFORMATION SHARING & CONSENT

By using our Service and submitting your information, you:

• Consent to us sharing your personal information and retirement planning details with up to 3 licensed financial advisors

• Authorize these advisors and us to contact you via phone (including automated calls/pre-recorded messages), text (SMS/MMS), and email

• Understand we have no control over how advisors use your information once shared

• Acknowledge advisors are independent third parties with their own terms and privacy policies

See our Privacy Policy for complete details on data handling.

4. COMPENSATION & CONFLICTS OF INTEREST

How We Make Money: We may receive compensation from financial advisors through:

• Per-lead fees (paid for each lead)

• Referral fees (paid if you engage services)

• Commission sharing (percentage of fees/commissions)

Conflict of Interest: We benefit financially from successful connections, which may influence our matching. However, matching is based on your stated needs and advisor specializations.

Your Cost: Our matching service is 100% free to you. Advisor compensation to us does NOT increase what you pay for their services.

5. NO GUARANTEES

We make NO guarantees, warranties, or representations about:

• Quality or Suitability: That matched advisors are right for you

• Performance: Investment returns or financial outcomes

• Accuracy: Information provided by advisors

• Success: That you'll be matched, or that matches will contact you

• Credentials: That advisors maintain licenses in good standing (though we verify initially)

• Results: Any specific financial results or benefits

Use at Your Own Risk: All decisions you make based on advisor recommendations are YOUR sole responsibility.

6. ADVISOR INDEPENDENCE

All financial advisors in our network are:

• Independent third parties (not our employees or agents)

• Separately licensed by state and/or federal regulators

• Responsible for their own advice, services, conduct, and compliance

We Do NOT:

• Supervise advisor activities or recommendations

• Control their business practices

• Monitor ongoing compliance

• Guarantee their continued licensing

• Endorse their specific advice

Their Actions Are Not Our Actions: Advisors' conduct, advice, fees, and services are their responsibility, not ours.

7. YOUR RESPONSIBILITIES

Before engaging any financial advisor, you MUST:

Verify Credentials:

• Check licensing at BrokerCheck.FINRA.org

• Review disciplinary history

• Confirm registrations are current

• Check state insurance department (for insurance products)

Review Disclosures:

• Form ADV (for investment advisors)

• Form CRS (Customer Relationship Summary)

• Insurance agent disclosures

• Fee schedules and compensation structure

Understand Their Services:

• What services they provide

• How they're compensated (commission, fee, both)

• Potential conflicts of interest

• Whether they act as a fiduciary

Ask Questions:

• About credentials, experience, and specialization

• About fees and costs

• About their investment philosophy

• Anything you don't understand

Read Before Signing: All agreements, account documents, and disclosures carefully.

We Are Not Responsible for your failure to verify credentials or review documents.

8. ELIGIBILITY

To use our Service, you must:

• Be at least 18 years old

• Be a U.S. resident

• Have legal capacity to enter into binding contracts

• Provide accurate information

• Not be prohibited from using the Service by law

9. USER CONDUCT

You agree NOT to:

• Provide false, inaccurate, or misleading information

• Impersonate another person

• Use the Service for any illegal purpose

• Attempt to access systems or data without authorization

• Interfere with the Service's operation

• Use automated systems (bots, scrapers) without permission

• Violate any applicable laws or regulations

We Reserve the Right to refuse service, terminate accounts, or remove content at our discretion.

10. INTELLECTUAL PROPERTY

All content on our website (text, graphics, logos, images, software) is owned by us or our licensors and protected by copyright, trademark, and other laws.

You May Not:

• Copy, modify, or distribute our content without permission

• Use our trademarks or branding without written consent

• Reverse engineer or extract source code

• Create derivative works

Limited License: You may access and use the Service for personal, non-commercial purposes only.

11. THIRD-PARTY SERVICES

Our Service may contain links to third-party websites (including advisor websites) or integrate with third-party services.

We Are Not Responsible For:

• Third-party content, products, or services

• Privacy practices of third-party sites

• Accuracy of third-party information

• Your interactions with third parties

Review Their Terms: Third-party services have their own terms and privacy policies.

12. DISCLAIMER OF WARRANTIES

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.

We Disclaim All Warranties:

• Express or Implied: Including warranties of merchantability, fitness for a particular purpose, and non-infringement

• Accuracy: Of information on the website

• Availability: That the Service will be uninterrupted or error-free

• Security: That the Service is completely secure

• Results: From using the Service or engaging advisors

Some States Don't Allow Disclaimer of Implied Warranties: In those states, the above may not fully apply to you.

13. LIMITATION OF LIABILITY

To the Maximum Extent Permitted by Law:

RetirementAdvisorFinder.com, its owners, employees, and agents are NOT LIABLE for any:

• Direct Damages: Losses, costs, or expenses

• Indirect Damages: Lost profits, lost data, business interruption

• Special, Incidental, or Consequential Damages: Of any kind

• Damages Arising From:

  • Use or inability to use the Service

  • Information or advice from advisors

  • Advisor conduct, negligence, or fraud

  • Unauthorized access to your information

  • Errors, interruptions, or delays

  • Third-party content or services

This Applies Even If:

• We were advised of the possibility of damages

• A remedy fails its essential purpose

Maximum Liability: If we are found liable despite the above, our total liability is limited to $100 or the amount you paid us (whichever is greater). Since our Service is free, this means $100 maximum.

Some States Don't Allow Limitation of Liability: In those states, limitations may not fully apply.

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless RetirementAdvisorFinder.com, its owners, employees, and agents from any claims, damages, losses, liabilities, and costs (including attorney fees) arising from:

• Your use of the Service

• Your violation of these Terms

• Your violation of any law or regulation

• Your violation of any third-party rights

• Information you provide

• Your relationship with any advisor

This obligation survives termination of your use of the Service.

15. DISPUTE RESOLUTION

Informal Resolution First: Before filing any claim, you agree to contact us at [email protected] to attempt resolution.

Arbitration Agreement:

• Binding Arbitration: Any dispute arising from these Terms or the Service will be resolved through binding arbitration (not court), except for small claims court matters under $10,000

• AAA Rules: Arbitration conducted under American Arbitration Association (AAA) rules

• Location: Arbitration in Spokane Country, Washington or via telephone/online

• Individual Basis: No class actions or class arbitrations

• Costs: Each party pays their own costs (we pay AAA filing fees if required)

• 30-Day Opt-Out: You may opt-out of arbitration by emailing [email protected] within 30 days of first using the Service

Governing Law: These Terms are governed by the laws of Washington without regard to conflict of law provisions.

Venue: Any court actions (if arbitration doesn't apply) must be brought in Spokane County, Washington.

16. ELECTRONIC COMMUNICATIONS

By using the Service, you consent to:

• Receive communications electronically

• Electronic signatures having the same legal effect as handwritten signatures

• Contracts and notices provided electronically satisfying legal writing requirements

17. MODIFICATIONS TO SERVICE & TERMS

We May:

• Modify or discontinue the Service at any time without notice

• Change these Terms at any time

Changes to Terms:

• Effective when posted on the website

• Continued use after changes means acceptance

• Material changes will be notified via email or website notice

Your Options: If you don't agree to changes, stop using the Service.

18. TERMINATION

We May Terminate:

• Your access at any time, for any reason, without notice

• For violations of these Terms

• For providing false information

• For any conduct we deem inappropriate

Effect of Termination:

• You lose access to the Service

• Information already shared with advisors remains shared

• Sections that should survive (liability, indemnification, disputes) continue to apply

You May Terminate: Stop using the Service at any time. Email [email protected] to request data deletion.

19. MISCELLANEOUS

Entire Agreement: These Terms and our Privacy Policy constitute the entire agreement between you and us.

Severability: If any provision is invalid or unenforceable, the rest remains in effect.

No Waiver: Our failure to enforce any right doesn't waive that right.

Assignment: We may assign these Terms. You may not assign without our written consent.

Force Majeure: We're not liable for failures caused by circumstances beyond our reasonable control.

Relationship: Nothing creates a partnership, employment, agency, or joint venture relationship.

Notices: We may provide notices via email, website posting, or text message.

20. STATE-SPECIFIC TERMS

Texas Residents: If you're dissatisfied with our Service, contact us at [email protected]. If unresolved, you may contact the Texas Attorney General's Consumer Protection Division.

California Residents: Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services at (800) 952-5210 or online at dca.ca.gov.

21. CONTACT US

Questions About These Terms:
[email protected]

General Support:
[email protected]

Mail:
RetirementAdvisorFinder.com
9016 East Indiana Ave Suite C
Spokane , WA 99212

ACKNOWLEDGMENT

BY USING OUR SERVICE, YOU ACKNOWLEDGE THAT:

✓ You've read and understood these Terms
✓ You agree to be bound by these Terms
✓ We are a matching service, not a financial advisor
✓ We provide no financial advice or guarantees
✓ You will verify advisor credentials before engaging services
✓ All financial decisions are your sole responsibility
✓ You consent to information sharing and contact as described