Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website located at go.nsbretirement.com and any forms, landing pages, or digital communications operated by New Smyrna Beach Retirement Solutions ("NSBRS," "we," "us," or "our"). By accessing our website or submitting your information, you agree to these Terms. If you do not agree, please do not use our website or services.

1. About Us

New Smyrna Beach Retirement Solutions is an independent financial advisory firm serving retirees and pre-retirees across New Smyrna Beach, Edgewater, Port Orange, Daytona Beach, and Volusia County, Florida.

• Legal Entity: Rich Financial Team LLC
• Address: 112 North Orange Street, New Smyrna Beach, FL 32168
• Phone: (386) 402-4626
• Email: [email protected]

Insurance products and services are offered through NSBRS. Investment advisory services are offered through Signal Advisors Wealth, LLC ("Signal Wealth"), a Registered Investment Adviser with the U.S. Securities and Exchange Commission. NSBRS and Signal Wealth are separate and unaffiliated companies.

2. Use of This Website

You may use this website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable federal, state, or local law
• Submit false, misleading, or fraudulent information through any form
• Attempt to gain unauthorized access to any portion of the website or its systems
• Use automated tools to scrape, crawl, or harvest data from the website
• Interfere with the operation or security of the website

We reserve the right to terminate or restrict access to any user who violates these Terms.

3. No Financial, Tax, or Legal Advice

NSBRS and its agents do not provide tax, legal, or Social Security advice. Clients are advised to consult their tax advisor or attorney regarding tax and legal matters, and to contact the Social Security Administration directly at their local office or at www.ssa.gov for Social Security questions.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance is not indicative of future results.

4. SMS and Text Message Terms

By submitting a form on our website and checking the SMS consent checkbox, you provide express written consent to receive text messages from New Smyrna Beach Retirement Solutions at the phone number you provided. These messages may include:

• Appointment confirmations and reminders
• Consultation follow-up communications
• Workshop and event information
• General retirement planning information

Message frequency varies. Message and data rates may apply.

To stop receiving text messages, reply STOP at any time. To request help, reply HELP. Opting out will not affect your ability to receive services from NSBRS.

We do not share your phone number or SMS consent with third parties for their own marketing purposes. Automated messages are sent between 8:00 AM and 8:00 PM Eastern Time only.

5. Forms and Consultation Requests

Submitting a form on our website or landing pages does not create a client relationship, advisory agreement, or any binding contract between you and NSBRS or Signal Advisors Wealth, LLC. A formal client relationship is only established through a signed advisory or service agreement.

By submitting a form, you authorize NSBRS to contact you by phone, email, or text message using the information you provided in order to respond to your inquiry or schedule a consultation.

6. Intellectual Property

All content on this website, including text, images, logos, graphics, and other materials, is the property of New Smyrna Beach Retirement Solutions or its licensors and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or use any content from this website without prior written permission from NSBRS.

Proprietary frameworks referenced on this website, including the BIG Bucket Framework (Bank, Income, Growth) and the New Smyrna Sun, Sand and Security Process, are the intellectual property of NSBRS and may not be reproduced or used without written permission.

7. Third-Party Links and Services

Our website may contain links to third-party websites, including the American Financial Education Alliance (AFEA), Signal Advisors Wealth, LLC, RightCapital, and others. These links are provided for your convenience only. We are not responsible for the content, accuracy, or privacy practices of third-party websites and do not endorse them. Your use of any third-party website is at your own risk.

8. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. NSBRS does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no representations regarding the accuracy, completeness, or suitability of any content on this website.

9. Limitation of Liability

To the fullest extent permitted by applicable law, NSBRS, Rich Financial Team LLC, and their officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website, any forms submitted through this website, or any communications from NSBRS, even if advised of the possibility of such damages.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Volusia County, Florida.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. When we do, we will update the effective date at the top of this page. Your continued use of the website after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

12. Contact Us

If you have questions about these Terms of Service, please contact us:

• New Smyrna Beach Retirement Solutions
• 112 North Orange Street, New Smyrna Beach, FL 32168
• Phone: (386) 402-4626
• Email: [email protected]