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Terms and Conditions

Effective Date: [10/20/2024]

Welcome to RetiRise.com ("Website"), operated by RetiRise Technologies Corp. ("RetiRise", "we", "us", or "our"), your ultimate retirement and wealth companion, expertly guiding you from early planning to living your best retired life. By accessing or using our website and services ("Services"), you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully before using our Services.

1. Acceptance of Terms

By accessing or using RetiRise.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Private Policy, which is incorporated herein by reference. If you do not agree with these Terms, you must not use our Services.

2. Definitions

"RetiRise" refers to RetiRise Technologies Corp., the company operating RetiRise.com and providing the Services.
"User" refers to any individual who accesses or uses our Services.
"Personal Data" means any information relating to an identified or identifiable individual, as defined under applicable data protection laws.
"User-Generated Content" refers to any information, content, or materials that Users submit, post, or upload to areas of the Services intended to be visible to other Users or the public (e.g., comments, reviews, forum posts).

3. Ownership and Intellectual Property Rights

3.1. RetiRise Content

All content available on RetiRise.com, including but not limited to text, graphics, logos, images, software, and compilations thereof ("RetiRise Content"), is the property of RetiRise or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws. All rights are reserved.

3.2. Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Services for your personal, non-commercial use, in accordance with these Terms.

4. User Accounts

4.1. Account Creation

To access certain features of our Services, you may need to create an account. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain and promptly update your account information.
• Keep your login credentials confidential.
• Notify us immediately of any unauthorized use of your account.

4.2. Account Responsibility

You are responsible for all activities that occur under your account. RetiRise is not liable for any loss or damage arising from your failure to comply with this obligation.

5. User-Generated Content

5.1. Ownership of User-Generated Content

You retain ownership of any User-Generated Content you submit to the Services. By submitting User-Generated Content, you grant RetiRise a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User-Generated Content in connection with the Services.

5.2. Restrictions on User-Generated Content

You agree that your User-Generated Content will not:

• Violate any applicable laws or regulations.
• Infringe upon the rights of any third party, including intellectual property rights.
• Contain defamatory, libelous, obscene, or otherwise offensive material.

5.3. Monitoring and Removal

RetiRise reserves the right, but is not obligated, to monitor, remove, or modify User-Generated Content at our sole discretion.

6. Personal Data and Privacy

Your Personal Data is governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using our Services, you consent to the collection and use of your Personal Data as outlined in the Privacy Policy.

7. Data Ownership and Security

7.1. Ownership of Personal Data

You own all rights, title, and interest in and to your Personal Data. RetiRise does not claim any ownership rights over your Personal Data.

7.2. Data Security

We implement industry-standard security measures to protect your Personal Data. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

8. Compliance with Data Protection Laws

8.1. General Data Protection Regulation (GDPR)

For Users located in the European Economic Area (EEA), we comply with the GDPR. You have specific rights regarding your Personal Data, including the right to access, correct, or delete your data.

8.2. California Consumer Privacy Act (CCPA)

For California residents, we comply with the CCPA. You have the right to know about Personal Data collected, disclosed, or sold, and the right to request deletion of your Personal Data.

8.3. Exercising Your Rights

To exercise your rights under applicable data protection laws, please contact us at [retirise@retirise.com].

9. Disclaimer of Warranties

9.1. "As Is" Basis

The Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

9.2. No Warranty

RetiRise disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, RetiRise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

11. Indemnification

You agree to indemnify, defend, and hold harmless RetiRise and its affiliates, officers, agents, employees, and partners from any claims, liabilities, damages, losses, and expenses, including legal fees, arising out of your use of the Services or violation of these Terms.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Services with an updated effective date. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Florida.

14. Termination

We may suspend or terminate your access to the Services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other Users or us.

15. AI Chatbot Responses

15.1. Informational Purposes Only

The information provided by our AI chatbots is for informational purposes only and should not be considered professional advice. Responses may be outdated or inaccurate.

15.2. Verification

You should independently verify any information provided by the AI chatbots before acting upon it. RetiRise is not responsible for any reliance placed on such information.

16. Newsletter and Updates Subscription

By creating an account, you agree to receive newsletters and updates from us. You can opt out at any time by following the unsubscribe instructions in our communications or by contacting us.

17. Security Commitment

We are committed to securing your Personal Data:

• Utilizing advanced encryption technology.
• Regularly updating security protocols.
• Conducting security audits.

We do not sell or share your data with third-party companies without your explicit consent.

18. Tokens and Subscription Terms

18.1. Token Purchases

• Tokens (Basic, Standard, Premium) are permanent and non-refundable.
• Tokens grant access to specific features as described in our Services.

18.2. Subscriptions

Monthly Subscriptions:

• Automatically renew monthly.
• Cancel anytime; access continues until the end of the billing cycle.
• No refunds for partial months.

Yearly Subscriptions:

• Automatically renew annually.
• Cancel anytime; access continues until the end of the billing cycle.
• Eligible for a prorated refund for unused months upon cancellation.

18.3. Cancellation and Refunds

• To cancel, adjust settings in your account or contact support.
• Refunds issued to the original payment method.
• Refund requests for yearly subscriptions must be made within 30 days of cancellation.

18.4. Changes to Subscriptions

• We may modify subscription terms with reasonable notice.
• Users will be notified of significant changes.

19. Miscellaneous

19.1. Entire Agreement

These Terms constitute the entire agreement between you and RetiRise regarding the use of our Services.

19.2. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

19.3. No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

20. Smart Tools, Investment Education, and Risk Disclosure

RetiRise offers a suite of Smart Tools, practical financial applications, and educational content to help our users manage their finances and learn about investing. It is crucial to understand the following:

20.1. Smart Tools and Financial Applications

RetiRise provides a variety of Smart Tools and financial applications, including but not limited to a budgeting intelligence app, as part of our services. These tools are designed to help users practically manage various aspects of their personal finances. Please note:

• Our Smart Tools, including the budgeting app, are practical instruments for financial organization, analysis, and planning. However, they do not provide personalized financial advice.
• The effectiveness of these tools depends on the accuracy and completeness of the information provided by the user.
• While we strive to ensure the accuracy and reliability of our Smart Tools, users are ultimately responsible for making their own financial decisions based on their unique circumstances.
• As we continually improve our platform, new Smart Tools may be added or existing ones may be modified. The use of any such tools is subject to these terms.

20.1.1 Nomad Retirement Calculator

The Nomad Retirement Calculator is a tool designed to provide estimates and comparisons for retirement conditions in various countries. Users should be aware of the following:

• The information provided by this calculator is based on data available at the time of calculation and is subject to change.
• Countries may modify their laws, regulations, tax policies, visa requirements, healthcare systems, and other factors that could affect retirement conditions.
• While we strive to keep our information as up-to-date as possible, we cannot guarantee its accuracy or completeness at all times.
• Users are strongly advised to conduct their own research and consult with relevant experts, including legal and financial advisors, before making any decisions based on this information.
• The results provided by the Nomad Retirement Calculator are estimates, and actual conditions may vary.
• By using this calculator, you acknowledge and accept these limitations and agree to use the information provided as a starting point for further research rather than as definitive guidance.

20.2. Educational Purpose and Financial Fitness IQ Game

In addition to practical tools, RetiRise offers educational content aimed at improving financial literacy. This includes:

• The RetiRise Financial Fitness IQ Game, which covers various financial topics including budgeting, retirement planning, stocks, options, commodities & futures, and cryptocurrencies.
• Informational content such as risk profiles, investment information, market data, and related educational materials.

These educational features are designed to enhance your financial literacy, often in a simulated environment. They should not be construed as financial, investment, legal, or tax advice.

20.3. Simulated Environments

Some of our educational features, such as the Financial Fitness IQ Game, use hypothetical scenarios and may not accurately reflect real-world market conditions or individual financial situations. Users should be aware that:

• Game scenarios and simulations are simplified representations of complex financial concepts.
• Performance in games or simulations does not guarantee similar results in real-world investing or financial management.
• The educational content in these features may not cover all aspects of the financial topics presented.

20.4. Not Financial Advice

While our Smart Tools provide practical financial management capabilities, and our educational content offers valuable information, none of the features available on RetiRise constitute professional financial advice, recommendations, or endorsements of any specific investment products or strategies.

20.5. Consult Professional Advisors

We strongly recommend that you consult with qualified financial advisors, tax professionals, or legal experts before making any significant financial decisions or changes to your financial planning strategy. These professionals can provide personalized advice based on your individual circumstances, goals, and risk tolerance.

20.6. Market Data Limitations

Any market data, equity prices, or investment performance figures displayed on our platform, including within our Smart Tools or educational features, may be delayed, subject to change, or not real-time. Users should not rely solely on this information for making investment decisions. Always verify current market conditions and prices through official financial information sources before executing any trades or investment transactions.

20.7. Risk Acknowledgment

Investing in financial markets involves risks, including the potential loss of principal. Past performance is not indicative of future results. Users acknowledge that they understand these risks and agree not to hold RetiRise responsible for any investment losses or financial decisions made based on the information provided through our Services, including our Smart Tools and educational content.

20.8. Continuous Learning and Application

We encourage users to use our Smart Tools as practical aids for managing their finances and to approach our educational content, including the Financial Fitness IQ Game, as resources for understanding investment concepts and retirement planning strategies. Applying financial management skills, continuous learning, staying informed about market conditions, and regularly reassessing your financial goals are crucial components of responsible financial planning.

21. Travel Deals, External Links, and Content

21.1. Travel Deals and External Links

RetiRise provides access to travel deals and links to external websites of airlines, hotels, and other travel-related services. Please be aware of the following:

• The deals and offers provided are subject to change and availability.
• RetiRise does not own or operate the third-party websites we link to, and we are not responsible for their content, accuracy, or practices.
• When you click on these links, you will leave the RetiRise website and be subject to the terms and conditions and privacy policies of the third-party websites.
• RetiRise does not endorse or guarantee any products, services, or information found on third-party websites.
• Any transactions or interactions you have with these third-party websites are solely between you and the third party. RetiRise is not responsible for any losses or issues that may arise from such transactions or interactions.

21.2. Financial and Travel-Related Articles

RetiRise offers a variety of financial and travel-related articles as part of our content offerings. Please note:

• These articles are provided for informational and educational purposes only.
• The content of these articles does not constitute financial, investment, legal, or travel advice.
• Information in these articles may become outdated, and RetiRise does not guarantee that we will update all articles to reflect the most current information.
• Opinions expressed in articles are those of the author and do not necessarily reflect the views of RetiRise.
• Users should always conduct their own research and consult with relevant professionals (such as financial advisors, legal experts, or travel agents) before making any financial decisions or travel plans based on the information in these articles.

21.3. No Endorsement or Warranty

RetiRise's inclusion of travel deals, external links, or discussion of specific financial products, travel destinations, or services in our articles does not constitute an endorsement or warranty of these items. Users should exercise their own judgment and due diligence when considering any purchases, investments, or travel plans.

21.4. Accuracy and Completeness

While we strive to provide accurate and up-to-date information in our travel deals and articles, we cannot guarantee the completeness, reliability, or absolute accuracy of this content. Travel regulations, financial markets, and global conditions can change rapidly, and users should verify critical information independently.

21.5. Product Recommendations in Articles

Some articles on RetiRise may contain product recommendations made by authors or contributors. With regard to these recommendations:

• Product recommendations are the opinions of the individual authors and do not necessarily reflect the views of RetiRise.
• RetiRise strives for transparency and requires authors to disclose any material connections they may have with the products or services they recommend. However, we cannot guarantee that all potential conflicts of interest have been disclosed.
• Some product recommendations may be based on the author's personal experience, research, or analysis, but they should not be considered as professional advice or endorsement by RetiRise.
• In some cases, RetiRise may receive compensation if users click on links to recommended products or services. These will be clearly marked as affiliate or sponsored links.
• The inclusion of a product recommendation does not guarantee its quality, effectiveness, or suitability for any particular user's needs.
• Users should always conduct their own research, read product reviews from multiple sources, and consider their personal circumstances before purchasing any recommended products or services.
• RetiRise is not responsible for any losses, damages, or issues that may arise from the use of products or services recommended in our articles.

21.6. Changes in Product Availability and Terms

Product recommendations in articles are based on information available at the time of writing. Users should be aware that:

• Product features, prices, terms, and availability may change over time.
• RetiRise does not guarantee that recommended products will remain available or maintain the same features or terms as described in the articles.
• Users should always verify current product information directly with the product provider before making a purchase.

21.7. User Responsibility

While RetiRise aims to provide valuable and accurate information, including product recommendations, users are ultimately responsible for their own financial and purchasing decisions. We strongly encourage users to:

• Critically evaluate all product recommendations.
• Consider their own financial situation, needs, and goals before making any purchases.
• Consult with qualified financial advisors or other relevant professionals when making significant financial decisions.
• Read and understand the terms and conditions of any product or service before purchasing or enrolling.

By using RetiRise.com and accessing our content, including articles with product recommendations, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, including the sections on Smart Tools, Investment Education, Risk Disclosure, Travel Deals, External Links, Content, and Product Recommendations.

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Privacy Policy

Effective Date: October 20, 2024

At RetiRise Technologies Corp. ("RetiRise," "we," "us," or "our"), we value your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you visit our website www.retirise.com ("Website") or use our services ("Services"). By accessing or using our Services, you agree to this Privacy Policy.

1. Definitions

• Personal Data: Any information relating to an identified or identifiable natural person.
• Processing: Any operation performed on Personal Data, such as collection, storage, use, or disclosure.
• User: An individual who uses our Services.

2. Information We Collect

2.1. Personal Data You Provide

We collect Personal Data that you voluntarily provide, including:

• Contact Information: Name, email address, mailing address, phone number.
• Account Credentials: Username, password.
• Financial Information: Income, retirement goals, investment details, assets, and liabilities.
• Demographic Information: Age, gender, marital status.
• Feedback and Correspondence: Information you provide when contacting us.

2.2. Data Collected Automatically

When you use our Services, we may automatically collect:

• Usage Data: Pages viewed, links clicked, features used, time spent on pages.
• Device Data: IP address, browser type, operating system, device identifiers.
• Location Data: Approximate location based on IP address.

2.3. Cookies and Similar Technologies

We use cookies and similar tracking technologies to collect and use Personal Data. For more information, see Section 9 of this policy.

3. How We Use Your Information

We use your Personal Data for:

• Providing and Improving Our Services: Account management, service delivery, personalization.
• Communication: Customer support, marketing communications (with opt-out option).
• Analytics and Research: Performance analysis, research and development.
• Legal and Security: Compliance with legal obligations, fraud prevention, enforcement of our Terms and Conditions.

4. Legal Basis for Processing (GDPR)

4.1. Legal Basis for Processing

For users in the European Economic Area (EEA), we process Personal Data based on the following legal grounds:

• Consent: We obtain explicit consent for specific processing purposes
• Contract Performance: Processing necessary for our service contract with you
• Legal Obligation: Compliance with EU and member state laws
• Legitimate Interests: Business purposes balanced against your rights

4.2. Additional GDPR Rights

As an EEA resident, you have the following rights:

• Right to Access: Obtain confirmation of processing and data copies
• Right to Rectification: Correct inaccurate or incomplete data
• Right to Erasure: Request data deletion in specific circumstances
• Right to Restrict Processing: Limit data use in certain cases
• Right to Data Portability: Receive and transfer your data
• Right to Object: Object to processing for legitimate interests
• Automated Decision-Making Rights: Not be subject to automated decisions

4.3. Data Protection Officer

Contact our DPO at: retirise@retirise.com

4.4. Cross-Border Transfers

We transfer data outside the EEA using:

• Standard Contractual Clauses (SCCs)
• Adequacy decisions where applicable
• Regular transfer impact assessments

5. Disclosure of Your Information

We may share your Personal Data with:

• Service Providers: Third-party vendors performing services on our behalf.
• Legal Obligations: To comply with laws or protect rights.
• Business Transfers: In case of merger, acquisition, or sale of assets.
• With Consent: When you provide consent for sharing.

6. International Data Transfers

Your data may be transferred to and processed in countries outside your residence. We ensure appropriate safeguards are in place for international transfers.

7. Your Rights and Choices

7.1. GDPR Rights (EEA and UK Residents)

You have rights to access, rectify, erase, restrict processing, data portability, object to processing, and withdraw consent.

7.2. CCPA Rights (California Residents)

You have rights to know about and delete your Personal Data, opt-out of sale (note: we do not sell Personal Data), and non-discrimination.

7.3. Opt-Out of Marketing

You may opt-out of marketing communications at any time.

To exercise your rights, contact us at retirise@retirise.com.

8. Data Security

We implement reasonable security measures, including encryption, access controls, and regular audits. However, no security measure is foolproof.

9. Cookies and Similar Technologies

9.1. Types of Cookies We Use

• Essential Cookies: Necessary for website operation.
• Performance Cookies: To analyze and improve our Services.
• Functionality Cookies: To remember your preferences.
• Advertising Cookies: To deliver relevant advertisements.

9.2. Managing Cookies

You can manage cookies through your browser settings. Disabling cookies may affect website functionality.

10. Data Retention

We retain Personal Data as long as necessary for the purposes collected, legal obligations, and business needs.

11. Third-Party Services

Our Services may include links to third-party websites. We are not responsible for their privacy practices.

12. Children's Privacy

Our Services are not intended for individuals under 16. We do not knowingly collect data from children.

13. Changes to This Policy

We may update this policy periodically. Significant changes will be notified through our Website, email, or Services.

14. Advertising Disclosure

14.1. Ad Services and Partners

We partner with the following advertising services:

• Google Ads
• Other ad networks and exchanges

14.2. Information Used for Advertising

We may use:

• Browsing behavior and preferences
• Device information
• Demographics
• Location data
• Interest categories

14.3. Ad Personalization and Tracking

• We use cookies for personalized ads
• Opt-out through device/browser settings
• We follow IAB Transparency & Consent Framework

14.4. Your Ad Choices

Control your ad experience through:

• Our preference center
• Industry opt-out tools (NAI, DAA)
• Device ad tracking settings
• Browser Do Not Track settings

15. Contact Us

For questions or concerns about this Privacy Policy, or to exercise your rights, please contact us using one of the following methods:

• Email: retirise@retirise.com

RetiRise Technologies Corp.
A corporation incorporated in the State of Florida, United States

We will respond to your request within the timeframe required by applicable law.

15. Acceptance of This Policy

By using RetiRise.com, you acknowledge that you have read and understood this Privacy Policy and Cookie Policy and agree to our collection, use, and disclosure of your Personal Data as described herein.

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