By registering for Retirement Realized Agents Academy, you are legally bound
by the terms and conditions of this agreement.

By accessing this website, you are agreeing to be bound by these website Terms
and Conditions of Use, all applicable laws, and regulations, and agree that you
are responsible for compliance with any applicable local laws. If you do not agree
with any of these terms, you are prohibited from using or accessing this site. The
materials contained in this website are protected by applicable copyright and
trademark law.

You are agreeing to be automatically charged either monthly or annually
depending upon your specific subscription arrangement by a third-party payment
collection system and processor. A payment that is successfully collected is
deemed intentionally paid and will not be refunded for any reason, except at the
discretion of Retirement Realized Agents Academy. Neither forgetting to ‘cancel’
a membership subscription, nor forgetting that payment is automatically collected
warrant refunds of payments.

1. Permission is granted to temporarily download one copy of the materials
(information or software) on Retirement Realized’s website for personal,
non-commercial transitory viewing only. This is the grant of a license, not a
transfer of title, and under this license, you may not:
1. modify or copy the materials;
2. use the materials for any commercial purpose, or for any public
display outside of for use in your personal insurance business
(commercial or non-commercial);
3. attempt to decompile or reverse engineer any software contained on
Retirement Realized’s website;
4. remove any copyright or other proprietary notations from the
materials; or
5. transfer the materials to another person or “mirror” the materials on
any other server.
This license shall automatically terminate if you violate any of these
restrictions and may be terminated by Retirement Realized at any time.
Upon terminating your viewing of these materials or upon the termination
of this license, you must destroy any downloaded materials in your
possession whether in electronic or printed format.

As a member of Retirement Realized Agents Academy, you may use any printed
materials to conduct business in a legal and ethical way according to compliance
and insurance laws and regulations. You have the right to use these printed and
video materials as long as your membership remains active. If you cancel your
membership or are removed from the training platform for any other reason, you
will no longer have the right to use any printed or video materials in any capacity.
You are not permitted to share, copy, or reproduce any of the included materials
included in your membership package under any circumstances. If you do, you
understand that you will be guilty of copyright infringement and can be
prosecuted under the full extent of the law. Additionally, reproduction and
infringement of any of these included materials will lead to the immediate
termination of your membership. Due to the proprietary nature of these
products/services, all sales are final and refunds are not processed. By agreeing
to these terms you forfeit the right to pursue legal action against Retirement
Realized Agents Academy or any other affiliate in any capacity. You also agree
that Retirement Realized Agents Academy does not guarantee any results. You
may cancel or change your subscription at any time in the account section of
your dashboard.

Any individual who uses the Marketing Elite Email System is solely responsible to
ensure that any individual contact that gets placed in their email list within the
system is a client, or has expressed interest in their services specifically, the
types of services they offer, or the specific content that will be sent to them. The
individual user of the Marketing Elite Email System is solely responsible to
adhere to can-spam laws. All emails contain an unsubscribe feature that will
allow any contact to remove themselves from receiving emails, and Retirement
Realized will have no ongoing involvement in placing contacts in a user’s list to
receive emails. By using the Marketing Elite Email System, the user accepts sole
responsibility for all emails sent, and the effect they have, and waives Retirement
Realized of any liability associated with the Marketing Elite Email System.

The materials on Retirement Realized’s website are provided “as is”. Retirement
Realized makes no warranties, expressed or implied, and hereby disclaims and
negates all other warranties, including without limitation, implied warranties or
conditions of merchantability, fitness for a particular purpose, or non-infringement
of intellectual property or other violation of rights. Further, Retirement Realized
does not warrant or make any representations concerning the accuracy, likely
results, or reliability of the use of the materials on its Internet website or
otherwise relating to such materials or on any sites linked to this site.

In no event shall Retirement Realized or its suppliers be liable for any damages
(including, without limitation, damages for loss of data or profit, or due to
business interruption,) arising out of the use or inability to use the materials on
Retirement Realized’s Internet site, even if Retirement Realized or a Retirement
Realized authorized representative has been notified orally or in writing of the
possibility of such damage. Because some jurisdictions do not allow limitations
on implied warranties, or limitations of liability for consequential or incidental
damages, these limitations may not apply to you.

The materials appearing on Retirement Realized’s website could include
technical, typographical, or photographic errors. Retirement Realized does not
warrant that any of the materials on its website are accurate, complete, or
current. Retirement Realized may make changes to the materials contained on
its website at any time without notice. Retirement Realized does not, however,
make any commitment to update the materials.

Retirement Realized has not reviewed all of the sites linked to its Internet website
and is not responsible for the contents of any such linked site. The inclusion of
any link does not imply endorsement by Retirement Realized of the site. Use of
any such linked website is at the user’s own risk.

Retirement Realized may revise these terms of use for its website at any time
without notice. By using this website, you are agreeing to be bound by the then
current version of these Terms and Conditions of Use.

Any claim relating to Retirement Realized’s website shall be governed by the
laws of the State of Texas without regard to its conflict of law provisions.


This Privacy Policy describes Retirement Realized’s (“Retirement Realized”, “we”
or “us”) practices regarding the collection, use, and disclosure of the information
we collect from and about you when you use Retirement Realized’s website or
learning management system.
By accessing or using our website or learning management system, you agree
that you have read and understand this Privacy Policy and that you accept and
consent to the privacy practices and uses or disclosures of information about you
that are described herein.

In order to deliver personalized and relevant information to you through our
websites, we collect certain information from users. Please do not provide any
sensitive information or health information. We do not want, nor will we ask for
sensitive information. Retirement Realized’s web presence is not designed to
process sensitive information. We collect personal information, such as your
name, email address, phone number and contact information, company name,
title, division, industry, and location when you log in or opt-in for one of our
complimentary education resources. We may also deliver surveys and inquire
about voluntary client testimonials based on the programs offered. If you make a
purchase, we will collect your payment, billing, and shipping information.
We also collect information about you from third-party sources, such as your
Facebook ID via third-party technology providers. Information we collect about
you from these third parties may include your name, title, company name,
address, phone number, website address, email address, social media profiles,
and demographic data such as course content interests. This Privacy Policy
describes Retirement Realized’s collection and handling of your personal
information, you should also refer to the privacy notices of any third parties in
respect of their disclosure of your personal information to us.
When you purchase something from our store, as part of the buying and selling
process, we collect the personal information you give us such as your name,
address, and email address. Email marketing (if applicable): With your
permission, we may send you emails about our store, new products, and other
updates. We use third-party services to collect payment. All direct payment
gateways adhere to the standards set by PCI-DSS as managed by the PCI
Security Standards Council, which is a joint effort of brands like Visa,
MasterCard, American Express, and Discover. PCI-DSS requirements help
ensure the secure handling of credit card information by our store and its service
providers. In general, the third-party providers used by us will only collect, use
and disclose your information to the extent necessary to allow them to perform
the services they provide to us. However, certain third-party service providers,
such as payment gateways and other payment transaction processors, have their
own privacy policies in respect to the information we are required to provide to
them for your purchase-related transactions. Once you leave our store’s website
or are redirected to a third-party website or application, you are no longer
governed by this Privacy Policy or our website’s Terms of Service. When you
click on links on our store, they may direct you away from our site. We are not
responsible for the privacy practices of other sites and encourage you to read
their privacy statements.

We may automatically collect the following information about your use of
Retirement Realized’s websites and learning management portal through
cookies, web beacons, and other technologies: your domain name; your browser
type and operating system; web pages you view; links you click; your IP address;
the length of time you visit rragentsacademy.com; and the referring URL, or the
webpage that led you to reagentsacademy.com. Some of this information may be
treated as personal information, in accordance with applicable local laws. We
may combine this information with other information that we have collected about
you, including, personal information. Please see the section “How We Use
Cookies” below for more information.

We use “cookie” technology to collect additional website usage data and to
improve our services. A cookie is a small data file that we transfer to your
computer’s hard drive through your web browser (if you allow) that enables us to
recognize your browser and capture and remember certain information. We can
correlate the cookie to the user’s login name in our database and then determine
the name of the user. We do not otherwise use cookies to collect personally
identifiable information. We use cookies to compile aggregate data about site
traffic and site interactions, in order to improve the user experience and our
products and services, to offer better site experiences and tools in the future, and
to display personalized content and materials (including marketing materials).
You can choose to have your computer warn you each time a cookie is being
sent, or you can choose to turn off all cookies. You do this through your browser
settings. If you turn cookies off, some features will be disabled, and some of the
features that make Retirement Realized’s website experience more efficient may
not function properly.

Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies.
In contrast to cookies, which are stored on your computer’s hard drive, clear
GIFs are embedded invisibly on web pages. We may use clear GIFs (a.k.a. web
beacons, web bugs, or pixel tags) in connection with Retirement Realized
websites to, among other things, track the activities of visitors and users, help us
manage content, and compile statistics about usage of our websites We and our
third-party service providers also use clear GIFs in HTML emails to our
customers, to help us track email response rates, identify when our emails are
viewed, and track whether our emails are forwarded.

We use automated devices and applications, such as Google Analytics,
Facebook Pixels, and Infusionsoft Tracking to evaluate the usage of our
websites. One of our providers is Google Analytics and more information about
the ways in which they process your personal information can be found here:
https://www.google.com/policies/privacy/partners. We use these tools to help us
improve our websites’ performance and user experiences. These entities may
use cookies and other tracking technologies to perform their services. We do not
share your personal information with these third parties.

Currently, our systems do not recognize browser “do-not-track” requests. You
may, however, disable certain tracking as discussed in this section (e.g., by
disabling cookies).

We may use the information we collect from you in the following ways:
● To provide our services to you, including delivering appropriate training and
email training notifications to you.
● To track your progress in completing courses.
● To deliver products and certificates for selected programs.
● To personalize your experience and to allow us to deliver the type of
content and product offerings in which you are most interested.
● To ask for ratings and reviews of our services and products.
● To improve Retirement Realized’s websites in order to better serve you.
● To contact you for marketing purposes, including to send you personalized
and relevant information through email and text messaging in accordance
with local law and consent requirements. You may unsubscribe from our
mailing lists at any time by using the “unsubscribe” feature in any
marketing emails you receive from us.
● To provide customer support and to follow up with you after
correspondence (live chat, email, or phone inquiries).
● To offer and deliver content based on vertical markets and/or your initial
training path.
● To comply with applicable legal obligations, including responding to a
subpoena or court order.
● Where we believe it is necessary to investigate, prevent or take action
regarding illegal activities, suspected fraud, situations involving potential
threats to the safety of any person, or violations of our Terms of Use or this
● We may disclose your personal information if we are required by law to do
so or if you violate our Terms of Service.

To protect your personal information, we take reasonable precautions and follow
industry best practices to make sure it is not inappropriately lost, misused,
accessed, disclosed, altered, or destroyed. We have put in place security
measures to safeguard and secure the information we collect on our websites.
Nonetheless, the transmission of information via the Internet is not completely
secure and therefore we cannot guarantee the security of data sent to us
electronically, and transmission of such data is therefore entirely at your own risk.

We do not share the personal information you enter into our websites or
webforms for third-party marketing use. However, we may disclose the
information we collect from you to third-party vendors, service providers,
contractors, or agents who perform functions on our behalf. We take appropriate
steps to ensure that such third parties treat your personal information with the
same consideration that we do. We do not sell, trade, or otherwise transfer to
outside parties your personally identifiable information.
Retirement Realized is a company based in Buda, TX. In accordance with local
laws, we will take steps to ensure that your personal information receives an
adequate level of protection as required by applicable law, such as through the
use of the EU standard contractual clauses approved by the European
Commission, relevant national equivalents outside the EU, or other safeguards
as permissible. By providing us with your personal information, you expressly
acknowledge that we may transfer your personal information to, or access it in,
jurisdictions that may not provide equivalent levels of data protection to your
home jurisdiction.

We may also share information in the following circumstances:
● Business Transfers. If we are acquired by or merged with another
company, if substantially all of our assets are transferred to another
company, or as part of a bankruptcy proceeding, we may transfer the
information we have collected from you to the other company.
● In Response to Legal Process. We also may disclose the information we
collect from you in order to comply with the law, a judicial proceeding, court
order, or other legal process, such as in response to a court order or a
● To Protect Us and Others. We also may disclose the information we collect
from you where we believe it is necessary to investigate, prevent, or take
action regarding illegal activities, suspected fraud, situations involving
potential threats to the safety of any person, violations of our Terms of Use,
or this Privacy Policy, or as evidence in litigation in which Retirement
Realized is involved.
● Aggregate and De-Identified Information. We may share aggregate or
de-identified information about users with third parties for marketing,
advertising, research, or similar purposes.

California residents may request a list of all third parties to which we have
disclosed certain personal information about you for the third party’s own
marketing purposes. You may make one request per calendar year. In your
request, please attest that you are a California resident and provide a current
California address for our response to you. We will respond to you within thirty
(30) days. You may request this information in writing by contacting the Privacy
Officer identified in section “Contacting Us” below.
Retirement Realized’s websites may contain links to third-party websites or
applications which are outside our control and are not covered by this Privacy
Policy. If you access other sites or applications using the links provided, the
operators of those sites may collect information from you which will be used by
them in accordance with their privacy policy and terms of use, which may differ
from ours. We do not accept any responsibility or liability for their policies
whatsoever as we have no control over them.

Retirement Realized’s websites and learning management systems are designed
and may only be used by those who have reached the age of majority (18 years
of age in most jurisdictions). By entering information on our websites or using
our learning management system, you affirm that you are at least 18 years of age
or older. We are not liable for any damages that may result from a user’s
misrepresentation of age.

If you believe that any information we are holding about you is incorrect or
incomplete, or have any complaints about our web presence, please inform us as
soon as possible at the address below. We will respond to your request in
accordance with applicable local law.
You can also update certain elements of your personal information by logging in
to your account or contacting us below. Please note that we may maintain a copy
of any personal data that you have updated for a period of time as part of our
backups and business records; please see the “Retention of Your Information”
section below for an explanation of our retention practices.
EU users have additional rights in respect of your personal information; for
example, to access or erase your personal information, object to our use of it, or
require it be made available in a portable format. If these rights apply to you, and
you would like to exercise them, please contact us using the details set out

Retirement Realized applies a general rule of keeping your personal information
for only as long as is required to fulfill the purposes for which it was collected.
However, in some circumstances, we may retain personal information for longer
periods of time, for instance where we are required to do so in accordance with
legal, tax, or accounting obligations, or where we would like to have an accurate
record of your dealings with us in the event of any complaint or challenge.

We do update this Privacy Policy from time to time so please review this Privacy
Policy regularly. We reserve the right to modify this privacy policy at any time. If
we materially alter our Privacy Policy, we will notify you of such changes by
posting a notice on our website. Your continued use of Retirement Realized’s
websites and learning management system will be deemed your agreement that
your information may be used in accordance with the new policy. If you do not
agree with the changes, then you should stop using our programs and you
should notify us that you do not want your information used in accordance with
the changes.

If you would like to: access, correct, amend or delete any personal information
we have about you, register a complaint, or simply want more information contact
our Privacy Compliance Officer at web@retirementrealized.com