Terms of Service

Effective Date: 10/1/2024

1. Introduction

Welcome to Richey Insurance Solutions (“Company,” “we,” “our,” or “us”). By accessing or using our website at Https://www.RicheyInsuranceSolutions.com (the “Site”) or our services, including coaching for Infinite Banking, cash flow optimization, and the purchase of Insurance solutions (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”).

Please read these Terms carefully before using our Site or Services. If you do not agree to these Terms, please do not access or use our Site or Services.

2. Eligibility

By accessing or using the Site or Services, you represent that you are at least 18 years old and have the legal authority to enter into a binding agreement. If you are using our Site or Services on behalf of a business or other entity, you represent that you have the authority to bind that entity to these Terms.

3. Services

We provide coaching and consulting services in financial areas such as the Infinite Banking Concept (IBC), cash flow optimization, and the purchase of life insurance. Our services are educational in nature and are designed to provide guidance and tools for personal financial management.

Disclaimer: We are not financial advisors, tax professionals, or legal experts. The information and services we provide should not be construed as specific financial, legal, or tax advice. It is your responsibility to consult with licensed professionals for such services.

4. Account Registration

To use certain features of our Services, you may be required to create an account. You agree to:

  • Provide accurate, current, and complete information during registration;
  • Maintain the confidentiality of your account credentials;
  • Notify us immediately of any unauthorized use of your account.

We reserve the right to suspend or terminate your account at our discretion, particularly if you violate these Terms.

5. Payment & Billing

Certain Services, including coaching sessions, may require payment.

  • Fees: You agree to pay all fees for services as outlined during the signup process or in any agreements between you and the Company. Prices for services are subject to change at our discretion.
  • Payment Methods: Payments must be made through approved methods, such as credit cards or online payment processors. By providing a payment method, you authorize us to charge your payment method for any services you request.
  • Refunds: Refunds may be provided under certain conditions at our discretion. Please review our refund policy, which is available upon request or during checkout.

6. User Responsibilities

When using our Site or Services, you agree to:

  • Use the Site and Services in compliance with all applicable laws and regulations;
  • Refrain from engaging in any activity that interferes with or disrupts the functioning of the Site or Services;
  • Not impersonate another person, misrepresent your identity, or use another user’s account;
  • Not use the Services for any unlawful purpose, including, but not limited to, fraudulent activities or money laundering.

If you violate any of these responsibilities, we reserve the right to terminate your access to the Site or Services without notice.

7. Intellectual Property

The content, design, graphics, logos, text, and all materials on the Site and within the Services are the exclusive property of Richey Insurance Solutions or licensed to us by third parties. All intellectual property rights are reserved.

You agree not to copy, reproduce, distribute, or create derivative works based on any of our content without our express written permission.

8. Privacy

We are committed to protecting your privacy. Our Privacy Policy outlines how we collect, use, and safeguard your personal information. By using our Site or Services, you agree to the terms of our Privacy Policy.

9. Third-Party Links

Our Site or Services may contain links to third-party websites, such as Unlimited Life Concepts, LLC or other financial resources. These links are provided for your convenience only, and we do not endorse or assume responsibility for the content or practices of third-party sites. You access these third-party sites at your own risk and are subject to their terms of service and privacy policies.

10. Limitation of Liability

To the fullest extent permitted by law, Richey Insurance Solutions and its affiliates, officers, employees, or agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or use, incurred by you or any third party, whether in an action in contract, tort (including negligence), or otherwise, arising from your access to, or use of, the Site or Services.

In no event will our total liability to you for any damages exceed the amount you paid us, if any, for using our Services during the six (6) months immediately preceding the event giving rise to the liability.

11. Disclaimer of Warranties

Our Site and Services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the Site or Services, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of information.

We do not guarantee that our Site or Services will be available uninterrupted, error-free, or free from viruses or other harmful components. You are responsible for implementing sufficient safeguards to protect your devices and data.

12. Indemnification

You agree to indemnify, defend, and hold harmless Richey Insurance Solutions, its affiliates, officers, employees, agents, and licensors from and against any and all claims, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from your use of the Site or Services, your breach of these Terms, or your violation of any law or third-party rights.

13. Termination

We may terminate or suspend your access to the Site or Services at any time, without notice, for any reason, including if we believe you have violated these Terms. Upon termination, all provisions of these Terms, which by their nature should survive termination, shall survive, including intellectual property rights, limitation of liability, and indemnification.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of California, United States, without regard to its conflict of law principles.

Any disputes arising from or relating to these Terms or the use of the Site or Services will be resolved through binding arbitration in accordance with the rules of an Arbitration Provider or a court of competent jurisdiction located in Roseville, California, unless otherwise required by applicable law.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the “Effective Date” at the top of this page. Your continued use of the Site or Services after any changes constitutes your acceptance of the revised Terms. Please review these Terms periodically for updates.

16. Contact Information

If you have any questions or concerns about these Terms or the Site or Services, please contact us at:

Richey Insurance Solutions
RicheyInsuranceSolutions@gmail.com
916-500-3598
1196 Rothwell lane, Roseville CA 95747