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Terms of Service

These Terms of Service ("Terms") govern your use of the www.iragenie.com website (the "Site") operated by IRAGenie LLC ("us," "we," or "our"). Please read these Terms carefully before accessing or using our Site. By accessing or using any part of the Site, you agree to be bound by these Terms. If you do not agree to all the terms and conditions of this agreement, then you may not access the Site or use any services.

  • 1. Use of the Site
    • By using this Site, you represent and warrant that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this Site.
    • You may not use our products or services for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
  • 2. Intellectual Property Rights
    • The content on this Site, including without limitation, the text, software, scripts, graphics, photos, sounds, music, videos, interactive features, and the like ("Content") is owned by or licensed to IRAGenie LLC, subject to copyright and other intellectual property rights under United States and foreign laws and international conventions.
    • All Content is provided to you "as is" for your information and personal use only and may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes without the prior written consent of the respective owners.
  • 3. Disclaimer of Warranty; Limitation of Liability
    • Your use of the Site is at your sole risk. The Service is provided "as is" and "as available." We make no warranties or guarantees of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.
    • In no case shall IRAGenie LLC, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation, lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability, or otherwise, arising from your use of any of the services or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility.
  • 4. Indemnification
    • You agree to indemnify, defend, and hold harmless IRAGenie LLC and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these Terms or the documents they incorporate by reference or your violation of any law or the rights of a third-party.
  • 5. No Financial Advice - Not an investment advisor, financial advisor, tax advisor or broker dealer
    • IRAGenie LLC is not an Investment Adviser as defined by the federal Investment Advisers Act of 1940 or under any state securities legislation, and IRAGenie LLC is not a broker or dealer as defined under the federal Securities Exchange Act of 1934 or under any state securities legislation. IRAGenie LLC provides general educational information about financial products and does not hold itself out to be an investment adviser or financial adviser. IRAGenie LLC does not make financial recommendations. IRAGenie LLC does not provide any advice as to the value of securities or as to the advisability of investing in, purchasing, selling securities or engaging in investment strategies, nor does it issue or promulgate analyses or reports concerning securities, it does not recommend any account type as being appropriate for any specific investor, and it does not effect securities transactions for the accounts of others. IRAGenie LLC does not make recommendations of other investment advisers or broker-dealers; rather, it provides tools to help You choose investment advisers or broker-dealers based on factors that You select as being important to You.
    • The IRAGenie chatbot does not include any legal or investment advice, investment planning, or other areas of advice other than what are included with the Services. If You desire receiving personalized advice about what account type, investment strategy or particular investment is most appropriate for You, then you should consult with a registered investment adviser or a broker-dealer. Retirement accounts are subject to specialized treatment under federal and state tax laws and that treatment can change from year to year. Although IRAGenie does provide some general educational materials about taxation issues, IRAGenie does not provide any personalized advice to You about Your individual tax situation. You should consult with Your individual tax adviser concerning Your personal tax situation.
    • All investing involves risk, including the loss of principal. Please consider, among other important factors, your investment objectives and risk tolerance.
  • 6. Governing Law
    • These Terms and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of the state of California.
  • 7. Changes to Terms of Service
    • You can review the most current version of the Terms of Service at any time on this page.
    • We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
  • 8. Contact Information
    • Questions about the Terms of Service should be sent to us at info@iragenie.com.
    • We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.