We at RetireRich.ai website value your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, share, and protect your information when you use our web and mobile application portal.
• Personal Details: This includes your name, age, gender, location, profession, and marital status. We use this data to tailor the retirement planning services specifically to your needs.
• Financial Information: Financial details, including but not limited to your income, investments, assets, expenses, and insurance coverage, are collected to generate approximate retirement planning projections.
• Usage Data: We collect data on how you interact with our portal, including your IP address, device information, and cookies. This helps us enhance your user experience.
• Sensitive Information: We may collect sensitive personal data such as age and health insurance information for financial and insurance planning.
• Personalization: To create personalized retirement plans that match your specific financial situation and future goals.
• Service Improvement: To improve user experience and the overall functionality of our platform based on user interaction data.
• Legal Compliance: To comply with legal obligations under Indian law and other applicable regulations.
• Marketing Communications: With your consent, we may send you promotional materials about our services or products.
• Quality Monitoring: We may use your anonymized and aggregated data for quality monitoring and improvement of our services.
• Service Providers: We may share your data with third-party service providers that assist us in operating the platform, such as Cloud Platforms, payment processors and analytics providers. These providers are required to follow strict data protection standards.
• Legal Authorities: We may disclose your information if required by law or to protect our legal rights, including compliance with requests from government authorities in India.
• Business Transfers: In the event of a merger, acquisition, or asset sale, your data may be transferred as part of the transaction.
We retain your personal data for as long as necessary to fulfill the purposes outlined in this policy unless a longer retention period is required or permitted by law. Upon your request, we will delete or anonymize your data.
Under Indian law, you have the right to:
• Access: Request access to the personal data we hold about you.
• Correction: Correct inaccurate or incomplete information.
• Deletion: Request the deletion of your data, subject to certain legal exceptions.
• Withdraw Consent: Withdraw your consent for data processing, though this may limit the services we can provide.
We restrict access to your personal information to employees or agents who need it to provide the products and services you've requested. They must follow strict policies and procedures for handling your data.
We use industry-standard encryption to protect your information when it's sent or received on the RetireRich.ai website. Additionally, we maintain physical, electronic, and procedural safeguards that meet industry standards to protect your personal information.
However, no method of transmission over the internet or electronic storage is completely secure, so we cannot guarantee absolute security. We are not liable for any losses or damages arising from data breaches or unauthorized access.
You agree to indemnify and hold RetireRich harmless from any claims, losses, or damages arising out of your use of our services or your breach of these Terms and Conditions.
• User Termination: You may terminate your account and access to our services at any time by unsubscribing or contacting us with a request to delete your data.
• Data Deletion: Upon receiving your data deletion request via email, we will process it as per our internal prioritization and procedures. We will make reasonable efforts to delete your data in a timely manner, subject to any legal obligations we may have to retain certain information.
RetireRich.ai may revise this Privacy Policy from time to time. Any significant changes in how we handle your personal information will be posted here. If these changes impact the way your information is used, we will notify you before they take effect and ask for your consent to the new terms. If you disagree with the changes, please discontinue using the site.
By using this site, you agree to the RetireRich.ai Privacy Policy. If you do not agree, please refrain from using the site. When you request information or quotes through RetireRich.ai, you authorize us to share your information with our business partners, who may contact you via phone, email, or mail. If you prefer not to receive further communications from them, please reach out to the partner directly.
We reserve the right to update this policy at any time, and we encourage you to review it each time you visit our site to stay informed about any changes. The date of the last update will be included in the policy. Your continued use of our site indicates your acceptance of any changes to this Privacy Policy.
For any queries or concerns about this Privacy Policy, please contact our Data Protection Officer at [email protected].
Welcome to our website, RetireRich.ai (the “Site” or "Website"). The terms “RetireRich.ai,” “RetireRich “ “RR,” “us,” "We" or “our” refer to Inofty Software Private Limited, the legal owner of the Site. “You” refers to the user or viewer of the Site. This agreement (the “Agreement”) outlines the terms and conditions for your use of the Site and any Products or Referral Services we offer through it. Please carefully review this Agreement, along with the privacy policy (the “Privacy Policy”), which is incorporated by reference.
By using the Site, you agree to follow and be bound by these terms. If you do not agree, you may not use or access the Site, Products, or Referral Services.
By using the RetireRich services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.
Through our site, we offer both Products and a Referral Service, providing an online portal with articles, podcasts, calculators, financial planning tools, and a marketplace where you can research and compare solutions across various categories, including financial advisors, loans, reverse mortgages, and insurance.
The Products available on RetireRich.ai may include both free and paid tools, as well as packaged financial guidance. Please note that the content, calculators, and tools on RetireRich.ai are intended for informational and educational purposes only and should not be taken as professional financial advice. RetireRich.ai is a tool designed for personal use to help you think through your future plans, but they do not constitute a complete financial plan. We strongly encourage you to consult a financial services professional with a fiduciary relationship before making any investment or major financial decision.
RetireRich.ai strives to keep its information and tools accurate and up to date. However, this content is based on objective analysis and may differ from the information you find on specific financial institutions, service providers, or product sites. All content, tools, financial products, calculations, estimates, forecasts, and comparison-shopping services are provided without a warranty.
You certify to RR that: (i) you are eighteen (18) years of age or older; (ii) you assume complete responsibility for the use of the Products or Referral Service by any minors; (iii) you agree that all information you have submitted to RR, online or otherwise, is complete and accurate, and that you have not intentionally submitted false information on or through the Site or Products or Referral Service; and (iv) your use of the Site and Products or Referral Service is subject to all applicable federal, state, and local laws and regulations.
All calculators and tools on the RetireRich site are designed to be informational and educational tools only and do not constitute investment advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment. We also encourage you to review your financial plans periodically as your financial circumstances change. These tools & models are provided as a rough approximation of future financial performance. The results presented by these calculators are hypothetical and may not reflect the actual growth of your own investments. RR and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. RR is not responsible for any human or mechanical errors or omissions.
The Blog/Community/FAQ sections including Answers on the RetireRich site are designed to be informational and educational only. Blog/Community/FAQ postings do not constitute investment advice; nor do they reflect the opinions or policies of RetireRich. Blog/Community/FAQ posts are solely the opinion and responsibility of the person posting the message. We strongly recommend that you seek the advice of a financial services professional before making any type of investment. We also encourage you to review your investment strategy periodically as your financial circumstances change. RetireRich and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or because of the information provided by registered users in their postings on the RetireRich website. RetireRich is not responsible for any human or mechanical errors or omissions.
If you post User Content to the Site, unless we indicate otherwise, you grant Company and its affiliates a nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such User Content throughout the world in any media. You grant Company and its affiliates and sublicensees the right to use the name that you submit in connection with such User Content, if they choose. You represent and warrant that (a) you own and control all of the rights to the User Content that you post or you otherwise have the right to post such User Content to the Site and to grant the rights granted herein; (b) the User Content is accurate and not misleading; and (c) use and posting of the User Content you supply does not violate these Site Terms and will not violate any rights of or cause injury to any person or entity.
You must be at least 18 years old and a resident of India to use this platform. Non-residents may have limited access until the platform is fully optimized for international use.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Ensure that your registration details are accurate and up-to-date.
By agreeing to these terms, you commit to not engage in the following prohibited activities:
You must be at least 18 years old and a resident of India to use this platform. Non-residents may have limited access until the platform is fully optimized for international use.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Ensure that your registration details are accurate and up-to-date.
By agreeing to these terms, you commit to not engage in the following prohibited activities:
You agree not to:
All content, trademarks, and logos on the platform are the intellectual property of RetireRich.ai and are protected under Indian copyright laws. Unauthorized use of this content is prohibited and may result in legal action.
To the maximum extent permitted by Indian law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the platform. This includes any loss of data, loss of income, or personal injury.
To the maximum extent permitted by Indian law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the platform. This includes any loss of data, loss of income, or personal injury.
UNDER NO CIRCUMSTANCES WILL RR BE LIABLE FOR ANY DAMAGES, INCLUDING BUT NOT LIMITED TO INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES, ARISING FROM OR RELATING TO THIS AGREEMENT OR YOUR USE OF THE SITE, PRODUCTS, REFERRAL SERVICE, OR ANY ASSOCIATED SOFTWARE, EVEN IF RR HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY REGARDLESS OF WHETHER THE DAMAGES RESULT FROM (1) BREACH OF CONTRACT, (2) BREACH OF WARRANTY, (3) STRICT LIABILITY, (4) NEGLIGENCE, (5) TORT, OR (6) ANY OTHER LEGAL THEORY, UNLESS APPLICABLE LAW PROHIBITS SUCH LIMITATIONS.
IF YOU ARE DISSATISFIED WITH THE SITE, PRODUCTS, REFERRAL SERVICE, OR ANY PART OF THIS AGREEMENT, OR IF YOU HAVE ANY OTHER DISPUTE OR CLAIM AGAINST RR RELATED TO THIS AGREEMENT, YOUR ONLY REMEDY IS TO STOP USING THE SITE, PRODUCTS, AND REFERRAL SERVICE.
The platform is provided on an "as-is" basis. We disclaim all warranties, express or implied, including the warranties of merchantability, fitness for a particular purpose, and non-infringement.
RR PROVIDES THE SITE, PRODUCTS, AND REFERRAL SERVICES, INCLUDING ANY RELATED SOFTWARE, ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS. YOU ASSUME THE FULL RISK FOR SATISFACTORY QUALITY, PERFORMANCE, ACCURACY, AND EFFORT. TO THE FULLEST EXTENT PERMITTED BY LAW, RR MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES, WHETHER EXPRESS OR IMPLIED.
RR SPECIFICALLY DISCLAIMS ANY AND ALL WARRANTIES OR CONDITIONS, INCLUDING BUT NOT LIMITED TO THESE:
NO WARRANTIES EXTEND BEYOND WHAT IS ALREADY EXPRESSLY STATED IN THIS AGREEMENT.
We reserve the right to terminate your access to the platform at our discretion, without prior notice, if you violate these Terms or any applicable law.
You agree that RR may, under certain circumstances and without prior notice, immediately terminate your access to the Site or Products or Referral Service. Cause for such termination shall include, but not be limited to: (i) breach or violation of the Agreement, other incorporated agreements or the Privacy Policy in any manner; (ii) dismantling of the Site or discontinuance or material modification to the Products or Referral Service (or any part thereof); and (iii) requests by law enforcement or other government agencies; (iv) unexpected technical or security issues or problems.
You agree that all terminations for cause shall be made in RR’s sole discretion, and RR shall not be liable to you or any third party for any termination of the Site or access to the Products or Referral Services.
These Terms are governed by the laws of India, and any disputes will be subject to the exclusive jurisdiction of the courts in [Bangalore, Karnataka].
In case of any disputes, both parties agree to first attempt to resolve the issue through negotiation or mediation before pursuing litigation.
RR reserves the right to modify, suspend, or discontinue the Products or Referral Service, whether temporarily or permanently, at any time and without prior notice. You agree that RR will not be held liable to you or any third party for any changes, suspension, or discontinuation of the Products or Referral Service.
You acknowledge, consent, and agree that RR may retain, access, and disclose your information if required by law or if RR believes in good faith that such actions are reasonably necessary to: (i) comply with legal processes; (ii) enforce this Agreement; (iii) respond to claims that any information or content violates the rights of third parties; (iv) address your customer service requests; or (v) protect the rights, personal or property safety of RR, its users, and the public.
Notwithstanding any statute or law to the contrary, you agree that any claim or cause of action arising from or related to the use of the Products, Referral Service, or this Agreement must be filed within one month after the claim or cause of action arises, or it will be permanently barred.
By default, when a user creates an account, they are subscribed to receive newsletters and other updates from RR. RR to provide unsubscribe option soon.
This Cookie Policy explains how RetireRich.ai uses cookies and similar technologies on our web and mobile application portal. This policy complies with the relevant provisions of the Information Technology Act, 2000.
Cookies are small text files that are stored on your device when you visit our platform. These cookies help us remember your preferences and improve your experience on the platform.
You can manage or disable cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of the platform.
By using our platform, you consent to our use of cookies in accordance with this policy.
We may update this Cookie Policy from time to time. We will notify you of any changes by posting the new policy on our platform.
• Monthly Subscription: Grants you access to our services on a month-to-month basis. Payments are billed at the beginning of each cycle and are non-refundable.
• Annual Subscription: Provides access to our services for one year, billed upfront. This payment is non-refundable.
• One-Time Subscription: Allows a one-time access to our Retirement Report, concluding with the generation of your retirement report. After the report is generated, access to paid additional report generation ends and any other paid services ends. This payment is non-refundable.
• All payments made for subscriptions, whether monthly, annual, or one-time, are final and non-refundable.
• By subscribing, you acknowledge and agree that RetireRich.ai does not offer refunds, partial refunds, or credits for any subscription payments under any circumstances, including but not limited to unused services or changes in your usage of our services.
• Monthly Subscription: You may cancel your subscription at any time; however, the cancellation will take effect at the end of the current billing cycle. No refunds will be provided for the remaining period of your subscription.
• Annual Subscription: You may cancel your subscription at any time; however, the cancellation will take effect at the end of the annual billing cycle. No refunds will be issued for early termination.
• One-Time Subscription: As this plan concludes with the generation of your retirement report, it is not subject to cancellation after payment, and no refunds will be issued.
We may update the Payment Policy from time to time. We will notify you of any changes by posting the new policy on our platform.
• The features available for Monthly, Annual, or One-Time Subscriptions are determined solely by RetireRich.ai and may be modified at any time with immediate effect. Users are not entitled to any claims or obligations regarding these changes.
If you have any disputes regarding refunds or cancellations, please contact our support team at [email protected]. We aim to resolve all issues amicably and fairly.
This policy explains how we use advertisements and affiliate links on our platform.
We may display third-party advertisements on our platform to support the free services we offer. Advertisements are clearly marked and are not endorsements of the advertised products or services.
Some links on our platform may be affiliate links. This means we earn a commission if you make a purchase through these links. We only promote products and services that we believe offer value to our users.
We are committed to transparency. All affiliate links are clearly disclosed, and users are informed when content is sponsored.
We may use cookies and other tracking technologies to deliver personalized ads based on your browsing behavior. You can manage your ad preferences in your account settings or through your browser.