Terms & Conditions

Effective Date: January 1, 2025

Welcome to The Retirement Plans College ("IRA College"), a service of Ruiz Consulting LLC ("Company," "we," "us," or "our"). By accessing or using our website, courses, or services, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not use our services.

1. Acceptance of Terms

By accessing our website, registering for a course, or using any of our services, you confirm that you are at least 18 years old and have the legal authority to agree to these Terms.

2. Services Provided

IRA College offers educational courses, resources, and support related to IRAs, IRA Based Employer Plans, Solo 401(k) plans, self-directed retirement plans. "The information provided is for educational purposes only and does not constitute legal, financial, or tax advice. You should consult with a professional for specific guidance".

3. User Accounts

a. Account Registration

To access certain services, you may be required to create an account. You agree to provide accurate, complete, and current information during registration.

b. Account Responsibility

You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account. Notify us immediately of any unauthorized use.

4. Payment and Refunds

a. Fees

Fees for courses and services are outlined on our website. All payments must be made in U.S. dollars.

b. Refund Policy

Refunds are issued only under the conditions specified in our refund policy, available on the website. Unless otherwise stated, all sales are final.

5. Intellectual Property

All content provided by IRA College, including but not limited to course materials, website content, graphics, and logos, is the property of Ruiz Consulting LLC and protected by intellectual property laws. Unauthorized use, reproduction, or distribution is prohibited.

6. Prohibited Conduct

You agree not to:

Use our services for any unlawful purpose.Misrepresent your identity or affiliation.Access or attempt to access restricted areas of the website without authorization.Distribute viruses, malware, or other harmful software.Reproduce, distribute, or share course materials without explicit permission.

7. Limitation of Liability

IRA College and Ruiz Consulting LLC are not liable for any direct, indirect, incidental, or consequential damages resulting from the use of our services, including but not limited to loss of data or profits, even if advised of the possibility of such damages.

8. Indemnification

You agree to indemnify and hold harmless IRA College, Ruiz Consulting LLC, and their employees, contractors, and affiliates from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

9. Termination

We reserve the right to suspend or terminate your access to our services at our sole discretion, without prior notice, for any violation of these Terms.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to its conflict of laws principles.

12. Contact Us

If you have any questions or concerns about these Terms, please contact us at [email protected].