Terms of Use
These Terms of Use relate to all websites owned and operated by Retirement Life Plan LLC, operating as Retirement Life Plan (collectively “the sites”, “we”, “us”, “our”), including www.retirementlifeplan.com. Throughout our sites, the terms “we”, “us” and “our” refer to Retirement Life Plan. Retirement Life Plan offers its websites, including all information, resources, courses, and other services available from this site (hereafter referred to as “the Service” or “the Services”) to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here. Any new features or tools which are added to our websites shall also be subject to the Terms of Use.
Please read these Terms of Use carefully before accessing or using our websites. By accessing or using any part of our sites, you agree to be bound by these terms and conditions (“Terms of Use”, “Terms”). These Terms of Use apply to all users of our sites, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content. If you do not agree to all the terms and conditions of this agreement, then you may not access the websites or use any services.
You can review the most current version of the Terms of Use at any time on this page. We reserve the right to update, change or replace any part of these Terms of Use by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
SECTION 1 – WEBSITE TERMS
You must be at least 18 years of age to use our websites; and by using our websites or agreeing to these terms and conditions, you warrant and represent to us that you are at least 18 years of age.
Our website uses cookies; by using our website or agreeing to these terms and conditions, you consent to our use of cookies in accordance with the terms of our Privacy Policy.
You may not use our products 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).
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms will result in an immediate termination of your Services.
SECTION 2 – GENERAL CONDITIONS
We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.
SECTION 3 – COPYRIGHT NOTICE
We, together with our licensors, own and control all the copyright and other intellectual property rights in our website and the material on our website. All information on our websites is copyrighted by Pauline Johnson-Zielonka. All materials are provided for non-commercial, personal use only. The license granted in this agreement for the use of this site is granted only to the individual who set up the account. There should only be one user per account and the violation of this will result in potential legal action.
You must obtain written permission from us or any other entity who owns intellectual property on our websites before you may publish, distribute, display, or commercially exploit any material, including text, images, audio, and video, from our websites.
SECTION 4 – NO SUBSTITUTION FOR PROFESSIONAL ADVICE
The information contained in our websites and in the Services offered through our websites is for general guidance on matters of interest only. The information contained in or made available through our websites (including but not limited to information in reports, blog posts, emails, or chats) should not be used as a substitute for consultation with professionals in any field, including, but not limited to, financial, psychological, legal, or medical matters. You should consult a doctor relating to physical or mental health matters.
All information in this Site is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information. You are responsible and accountable for your decisions, actions, and results in life, and by your use of our websites, you agree not to attempt to hold us liable for any such decisions, actions, or results, at any time, under any circumstance. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness, or death.
SECTION 5 – ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION
We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site
SECTION 6 – MODIFICATIONS TO THE SERVICE AND PRICES
Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.
SECTION 7 – PRODUCTS OR SERVICES
Retirement Life Plan offers a platform with various resources and services to support non-financial retirement preparation. Our mission is to provide individuals in the retirement transition, as well as professionals and employers, with tools and services tailored to meet their unique needs.
Our Products and Services Include (but are not limited to):
Retirement Life Coach Certification: An online course designed for trained or experienced coaches to gain specialized knowledge and strategies for supporting clients in non-financial aspects of retirement. Successful completion of this certification is required to access additional benefits within our platform.
Retirement Life Coach Community Connect: A private, exclusive online community for Certified Retirement Life Coaches. This membership provides access to discussion boards, a resource library, and quarterly webinars for coaches to connect, collaborate, and grow.
Eligibility: To join, coaches must meet the following requirements: a) Successfully qualify for and complete the Retirement Life Coach Certification, and b) Enroll as a member of either the Community Connect or Business Boost package.
Retirement Life Coach Community – Business Boost: A premium membership that includes all benefits of Community Connect plus exclusive offerings like quarterly special-topic webinars/workshops, a personalized profile in the Directory of Retirement Life Coaches, and opportunities to list events on our website’s events page.
Eligibility: Coaches must: a) Successfully qualify for and complete the Retirement Life Coach Certification, and b) Enroll in the Business Boost package.
Directory of Retirement Life Coaches: A public-facing directory where Certified Retirement Life Coaches with Business Boost membership can create personalized profiles to showcase their expertise. Prospective clients can search and contact coaches through the directory.
Eligibility: Coaches must: a) Successfully complete the Retirement Life Coach Certification, and b) Be enrolled in the Business Boost package.
Events Page: A public-facing page featuring events hosted by Certified Retirement Life Coaches. This page helps connect coaches with prospective clients through event listings.
Eligibility: Only Certified Retirement Life Coaches enrolled in the Business Boost package may list up to five events per year.
Disclaimer:
We do not guarantee that the quality of products, services, or information will meet individual expectations, nor that any errors in the services will be corrected.
Use of Services
You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of yourself or of any content you may contribute to the Service. Retirement Life Plan reserves the right (but not the obligation) to remove such information or terminate such accounts, and in cases of misappropriation of identity or fraud, take all further legal action as we deem appropriate.
You need not register with Retirement Life Plan to visit our sites, browse our Directory of Retirement Life Coaches or events, request a consultation from coaches listed in the directory, or request a coach recommendation. You need not register to browse our courses, programs, or resources.
The website and Services offered herein are provided solely as a forum and technical means to connect people who are interested in resources or coaching conversations and does not represent itself as being licensed to provide counseling, psychotherapy, or psychiatric evaluation, psychiatric therapy, or any other service requiring professional accreditation. You are responsible for seeking and following advice from professionals for financial, legal, medical, or psychological matters, and you are responsible for your own decisions, actions, and results.
To access our courses, you will need to register and create a password-protected account on the third-party platform, Thinkific. To be listed as a coach in our Directory of Retirement Life Coaches and to access the Retirement Life Coach Community, you first need to a) qualify for and successfully complete the Retirement Life Coach Certification and b) become a member of the Retirement Life Coach Community - Business Boost.
See our Course Agreement and Community Terms of Use for more specific terms for these services.
You assume all risk when using the Services, including but not limited to all of the risks associated with any online or offline interactions with others, including consultations with Coaches listed on the Site. Although we may list a Retirement Life Coach or other related service provider who offers services through this Site, you understand that Retirement Life Plan is unable to guarantee the accuracy of information provided to you by or about Coaches, and that Retirement Life Plan is unable to confirm that any user is who he or she claims to be. Retirement Life Plan does not warrant and is not responsible for ensuring that users of the Services are in compliance with the Agreement. You agree to take all necessary precautions when communicating with or meeting individuals through any of the Services. You understand that Retirement Life Plan makes no representations, warranties or conditions, whether express, implied or collateral, regarding your compatibility with individuals you meet through the Service or as to the conduct of such individuals. You further understand that Retirement Life Plan makes no representations, warranties or conditions, whether express, implied or collateral, as to number or frequency of matches made available to you through the Service.
Exclusive Online Availability and Limitations:
Certain products or services are available exclusively online and may have limited quantities. All offerings are subject to the Cancellation and Refund Policy.
Rights Reserved:
We reserve the right to limit the sale of products or services to specific individuals, geographic regions, or jurisdictions.
Quantities of any product or service may be restricted, and descriptions, availability, and pricing are subject to change at any time without prior notice.
Discontinuation of any product is at our sole discretion, and participation in certain courses requires successful completion for certification.
SECTION 8 – ORDERS
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel any orders.
SECTION 9 – OPTIONAL TOOLS
We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.
You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Use.
SECTION 10 – THIRD-PARTY LINKS
Certain content, products and services available via our Service may include materials from third-parties.
The Services, including our courses, are provided via platforms hosted by third-parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us.
We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.
We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
By enrolling in one of our courses, you acknowledge and agree to the following terms regarding the use of a third-party website as the course platform:
Platform Selection: We use www.Thinkific.com (the “Platform”) as the primary means for delivering course content, assignments, and communications. By participating in this course, you agree to adhere to the Platform’s terms of use, privacy policy, and any other policies or guidelines provided by the Platform.
Account Creation: You may be required to create an account on the Platform to access course materials. It is your responsibility to ensure that your account information is accurate and up-to-date, and to safeguard your login credentials. We are not responsible for any unauthorized access or misuse of your account.
Platform Availability: While we strive to choose a reliable platform, we do not guarantee continuous or error-free access to the Platform. Technical issues, maintenance, or updates may temporarily disrupt the availability of the course. We will make reasonable efforts to notify you of any planned outages or interruptions.
Data and Privacy: Your participation in the course may involve sharing personal information (e.g., name, email address) with the Platform. We do not control how the Platform handles your personal data, and you should review their privacy policy for more information on how your data is used and protected. We are not liable for any privacy breaches or data issues that arise from your use of the Platform.
Third-Party Responsibility: The Platform is operated by a third party, and as such, we are not responsible for any errors, downtime, or issues caused by the Platform. In the event of any technical issues, you may be required to seek support directly from the Platform’s customer service.
No Ownership of Platform Content: Any materials, software, or content provided by the Platform remain the property of the Platform or its licensors. You are granted limited, non-exclusive access to use the Platform for the duration of the course in accordance with the Platform’s terms of service.
Updates and Changes: The Platform may be updated or changed by the third-party provider at their discretion. We are not responsible for any modifications or disruptions caused by these changes.
Affiliate Links
This site/ our Service may contain product affiliate links. We may receive a commission if you make a purchase after clicking on one of these links.
SECTION 11 – USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Use.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.
SECTION 12 – PERSONAL INFORMATION
Your submission of personal information through our websites is governed by our Privacy Policy.
SECTION 13 – ERRORS, INACCURACIES AND OMISSIONS
Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.
SECTION 14 – PROHIBITED USES
In addition to other prohibitions as set forth in the Terms of Use, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.
SECTION 15 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.
YOU EXPRESSLY AGREE THAT YOUR USE OF, OR INABILITY TO USE, THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE AND ALL PRODUCTS AND SERVICES DELIVERED TO YOU THROUGH THE SERVICE ARE (EXCEPT AS EXPRESSLY STATED BY US) PROVIDED ‘AS IS’ AND ‘AS AVAILABLE’ FOR YOUR USE, WITHOUT ANY REPRESENTATION, WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, DURABILITY, TITLE, AND NON-INFRINGEMENT.
IN NO CASE SHALL RETIREMENT LIFE PLAN, 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 SERVICE 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. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
SECTION 16 – INDEMNIFICATION
You agree to indemnify, defend and hold harmless Retirement Life Plan 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 of Use or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
SECTION 17 – SEVERABILITY
In the event that any provision of these Terms of Use is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Use, such determination shall not affect the validity and enforceability of any other remaining provisions.
SECTION 18 – TERMINATION
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
These Terms of Use are effective unless and until terminated by either you or us. You may terminate these Terms of Use at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Use, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).
SECTION 19 – ENTIRE AGREEMENT
The failure of us to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision.
These Terms of Use and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Use).
Any ambiguities in the interpretation of these Terms of Use shall not be construed against the drafting party.
SECTION 20 – GOVERNING LAW
By accessing or using the Website or our Services, you agree that the laws of the State of California, excluding its conflict of law principles, will govern all matters relating to or arising from this Agreement. Any disputes that may arise between you and us will be governed by these laws.
In the event of any permitted litigation under this Agreement, both parties consent to the personal jurisdiction and venue of the state and federal courts located in Orange County, California. This choice of law, venue, and jurisdiction is mandatory and not permissive, meaning you cannot object to the venue based on claims of inconvenience or any similar doctrine, including forum non conveniens.
Arbitration
For any disputes arising out of or relating to this Agreement, the parties will first attempt to resolve the issue informally and in good faith. If these efforts fail, both parties agree to submit the matter to binding arbitration.
The arbitration will take place in Orange County, California, before a single arbitrator. The arbitrator will have no authority to alter the terms of this Agreement, award punitive damages, or certify any class claims. The arbitration will be governed by applicable federal law and California state law.
Each party is responsible for their own costs and legal fees during arbitration. Claims subject to arbitration include, but are not limited to, contract disputes, tort claims, and claims based on federal, state, or local laws. However, claims involving intellectual property rights are an exception and may be resolved through litigation instead of arbitration.
Both parties hereby waive their right to a jury trial for any arbitral claims.
SECTION 21 – CHANGES TO TERMS OF USE
You can review the most current version of the Terms of Use at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Use 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 Use constitutes acceptance of those changes.
SECTION 22 – CONTACT INFORMATION
Questions about the Terms of Use should be sent to us at hello@retirementlifeplan.com