Terms and Conditions for Strategic Wealth Experts
Welcome to Strategic Wealth Experts (a division of Lead Geeks Company LLC). By accessing and using our websites, including CPA Retirement Advisers Alliance (CPARetirementAdvisers.com), IULforREI.com, RetirementCollapse.com, EntrepreneurRetirementPlan.com, and any associated services, you agree to comply with and be bound by the following Terms and Conditions. These Terms apply to your use of our websites, content, services, marketing communications, and any interactions with our representatives. Please read these Terms carefully.
1. Acceptance of Terms
By using our services, accessing our websites, and engaging with our communications, you agree to these Terms and Conditions and all applicable laws and regulations. If you do not agree to these Terms, please do not use our services.
2. Marketing Communications
Consent to Receive Communications: By submitting your contact information through our websites or marketing channels, you agree to receive marketing communications from Strategic Wealth Experts, including but not limited to SMS (A2P - Application-to-Person messaging), email, phone calls, and other forms of outreach. You may opt out at any time by following the instructions provided in each communication.Opt-Out Mechanism: You may unsubscribe from marketing communications by replying "STOP" to any SMS or clicking the "unsubscribe" link provided in our emails. For phone calls, you may request to be placed on our internal "Do Not Call" list by informing the representative.Accuracy of Information: You agree to provide accurate and up-to-date information when signing up for our services or communications. It is your responsibility to notify us of any changes to your contact information.
3. Compliance with Regulations
A2P Messaging Compliance: All SMS communications are in compliance with A2P messaging regulations and industry best practices, including the Telephone Consumer Protection Act (TCPA). By opting in to receive SMS messages, you give us express written consent to contact you using automated dialing systems, prerecorded messages, or text messages for informational and promotional purposes.Email and Digital Marketing Compliance: Our email and digital marketing practices comply with the CAN-SPAM Act and applicable international regulations. You may opt out from receiving emails at any time by following the opt-out link in our communications.Privacy Policy: All personal data collected is handled according to our Privacy Policy, which explains how we collect, store, and use your personal information. By using our services, you acknowledge that you have read and understood our Privacy Policy.
4. Use of Information
The information provided on our websites and in our marketing materials is for educational purposes only and does not constitute legal, tax, financial, or insurance advice. Consult your legal, financial, or tax adviser for specific guidance regarding your situation.
5. Indexed Universal Life (IUL) and Fixed Indexed Annuities (FIA) Products
Product Nature and Suitability:IUL and FIA products are insurance products, not investments, and should not be considered as a replacement for other financial instruments such as securities or mutual funds. Suitability must be assessed based on individual financial goals, risk tolerance, and other relevant factors.No Guarantees:Guarantees are subject to the claims-paying ability of the issuing insurance company. Past performance is not indicative of future results, and results may vary.Living Benefits:Any living benefits mentioned are optional riders, which may require additional premium payments and are not available in all states. Terms and conditions for accessing these benefits may vary.Policy Loans and Withdrawals:Policy loans and withdrawals will reduce the cash value and death benefit of the policy. If the policy lapses with loans outstanding, there may be tax consequences.
6. Specific Caveats for Marketing Material
For all marketing materials, including digital ads, brochures, videos, and webinars, it is important to ensure that the following caveats and disclaimers are clearly visible to remain compliant with regulations:
A. General Caveats:
“Indexed Universal Life (IUL) and Fixed Indexed Annuities (FIA) are insurance products and are not intended to be a substitute for traditional investments. The benefits illustrated are subject to product terms and conditions and may vary.”“Guarantees are based on the claims-paying ability of the issuing insurance company. Past performance is not indicative of future results.”“Policy loans and withdrawals will reduce the cash value and death benefit of the policy. If the policy lapses with loans outstanding, there may be tax consequences.”
B. CPA Retirement Advisers Alliance (CRAA):
“CPAs participating in the CRAA program do not provide insurance advice or sell insurance products. They may refer clients to licensed agents for specific product guidance.”“This partnership is intended to enhance financial strategies, but it does not guarantee specific financial outcomes.”
C. IULforREI.com (Real Estate Investors):
“The cash value accumulation in IUL policies is subject to caps and participation rates. Cash value loans may have terms and conditions, including interest rates, and reduce the available cash value and death benefit.”“Access to policy loans for real estate investments is not equivalent to traditional financing or lines of credit.”
“The information provided in retirement audits and strategy sessions is for educational purposes only and does not constitute legal, tax, or financial advice. Please consult a qualified professional for specific guidance.”“Growth projections are hypothetical and should not be considered guarantees of future financial results.”
“Using IULs to fund retirement from operational cash flow is not intended as a substitute for working capital loans or business financing tools. Consider individual circumstances and consult with a financial adviser before proceeding.”“Employee retention and succession planning benefits associated with IULs are dependent on individual policy features and company-specific needs.”
F. SMS and Email Marketing (A2P Compliance):
“By providing your phone number, you agree to receive SMS communications, including automated texts, from Strategic Wealth Experts. Message and data rates may apply. Text ‘STOP’ to opt out at any time.”“Emails are sent in compliance with the CAN-SPAM Act. You may opt out by clicking the ‘unsubscribe’ link at the bottom of each email.”
7. Limitation of Liability
Strategic Wealth Experts and Lead Geeks Company LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of, or inability to use, our services, websites, or communications. Your use of the information provided is at your own risk.
8. Intellectual Property
All content, materials, trademarks, logos, and intellectual property used in connection with Strategic Wealth Experts are the property of Lead Geeks Company LLC or its licensors. Unauthorized use, reproduction, or distribution of our content is strictly prohibited.
9. Changes to Terms and Conditions
We may update these Terms and Conditions periodically to comply with changes in laws and regulations or to reflect changes to our practices. Any updates will be posted on this page, and your continued use of our services following the posting of changes indicates your acceptance of such changes.
10. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the state in which Lead Geeks Company LLC is headquartered, without regard to conflict of law principles.
11. Contact Information
If you have questions or concerns about these Terms and Conditions, please contact us at: