R&R Financials (R&R FINSERV LLC) Payment Terms and Refund Policy

Accepted Payment Method:

1. Payment Methods

Credit/Debit Card:
Payments can be made via Credit or Debit cards. Please note that a 5% service charge will be added to the total amount of your transaction. This charge covers the cost of processing your payment and is non-refundable under any circumstances.

Zelle:
Payments can be made via Zelle to the designated email address, info@rrfinancials.net. , or through the QR Code provided by R&R Financials (R&R FINSERV LLC). Payments made via Zelle do not incur any service charges.

2. Service Charges

A 5% service charge is applied to all payments made via Credit or Debit cards. This fee is automatically added to your total payment amount and is non-refundable in the event of cancellation.

Payment Confirmation:

Upon successful payment, a confirmation email will be sent to the email address provided during the transaction.

Voucher Code Delivery:

A $300 voucher code will be sent to the user's registered email address within 24 -48 hours of the transaction confirmation.

Validation of User Details:

Before sending the voucher code, R&R Financials reserves the right to validate the user's Name, Email, and Phone Number with the payment and user details. If details do not match, R&R Financials will contact the user for further validation.

Refund Eligibility:

Refunds are applicable if no documents have been downloaded following the purchase.

Refund Time Frame:

Refund requests must be made within 10 days of receiving the Netlaw voucher code from R&R Financials.

Refund Process: Refunds will only be processed after user validation is completed, ensuring that the Netlaw voucher code has not been used.To request a refund, users must contact R&R Financials' customer support via email at info@rrfinancials.net within the eligible refund period. The request must include the transaction details and reason for refund.

Credit/Debit Card Payments

Refunds for payments made via Credit or Debit card are available only for the principal amount paid, excluding the 5% service charge. The service charge is non-refundable, even in cases of cancellation.

Non-Refundable Digital Products:

If any documents associated with user’s Netlaw account have been downloaded, no refund will be processed due to the nature of digital products.

Refund Confirmation:

Upon approval of the refund request, the refund will be processed within a reasonable timeframe back to the original payment method used for the transaction.

Refund Denial:

Refunds may be denied if the request is made after the 10-day refund period, or if documents associated with user’s Netlaw account have been downloaded.

Failed Validation:

If validation of user details after receiving the payment is unsuccessful, R&R Financials will contact the user for further validation. If validation remains unsuccessful, R&R Financials will initiate a refund of the payment amount.

Contact Information:

These terms and conditions are subject to change without prior notice. It is the user's responsibility to review and understand these terms before making any transactions with R&R Financials (R&R FINSERV LLC).

By making a payment to R&R Financials (R&R FINSERV LLC), you agree to these Payment Terms and Refund Policy. Please review them carefully before completing your transaction.

For any further inquiries or assistance regarding payments or refunds, please contact our support team at info@rrfinancials.net.

Terms And Conditions

Introduction:

These terms and conditions govern the provision of financial planning services by R&R FINSERV LLC to clients. By engaging our services, you agree to be bound by these terms.

Client Responsibilities:

Clients are responsible for providing accurate and complete information necessary for the financial planning process. It is the client's responsibility to promptly inform R&R FINSERV LLC of any changes to their financial situation or goals.

Confidentiality:

R&R FINSERV LLC will keep all client information confidential, in accordance with applicable privacy laws. Information will only be disclosed with the client's consent or as required by law.

Fees and Payment:

The fees for financial planning services will be outlined in the service agreement. Payment terms, including invoicing and due dates, will also be specified in the agreement.

Termination of Services:

Either party may terminate the financial planning services with written notice. In the event of termination, the client is responsible for fees for services rendered up to the termination date.

Limitation of Liability:

R&R FINSERV LLC and its representatives will not be liable for any indirect, incidental, consequential, or punitive damages arising out of or in connection with the financial planning services.

Regulatory Compliance:

R&R FINSERV LLC will conduct financial planning services in compliance with applicable laws and regulations. Clients are responsible for understanding and complying with any legal or regulatory requirements that may apply to their specific situation.

Amendments:

R&R FINSERV LLC reserves the right to amend these terms and conditions at any time. Clients will be notified of any changes, and continued use of our services constitutes acceptance of the amended terms.

By engaging R&R FINSERV LLC, you acknowledge that you have read, understood, and agreed to these terms and conditions.

Privacy Policy

At R&R FINSERV LLC, we are committed to protecting the privacy and security of our users' personal information. This Privacy Policy outlines how we collect, use, share, and protect the information collected from users of our platform services.

1. Information We Collect:

• Personal Information: We may collect personal information such as name, address, email address, phone number, date of birth, and other relevant details provided by users during registration or account setup.
• Financial Information: We may collect financial information such as income, assets, liabilities, investment preferences, and insurance needs to provide personalized financial planning services.
• Usage Data: We may collect information about users' interactions with our platform, including log data, device information, IP addresses, and browsing activity.

2. Use of Information:

We use the information collected for the following purposes:

• To provide and improve our platform services, including Estate Planning, Financial Needs Analysis, and Financial Planning.
• To personalize user experience and tailor our services to users' individual needs and preferences.
• To communicate with users about their accounts, updates, promotions, and other relevant information.
• To analyze usage trends, monitor the effectiveness of our marketing efforts, and enhance the security of our platform.

3. Sharing of Information:

We may share users' information with third-party service providers, business partners, and regulatory authorities as necessary to provide our services, comply with legal obligations, or protect our rights and interests. We do not sell or rent users' personal information to third parties for marketing purposes.

4. Data Security:

We implement appropriate technical and organizational measures to safeguard users' personal information from unauthorized access, disclosure, alteration, and destruction. This includes encryption, firewalls, access controls, and regular security assessments.

5. Data Retention:

We retain users' personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Users may request the deletion of their information by contacting us directly.

6. User Rights:

Users have the right to access, update, or delete their personal information. Users may also opt-out of receiving promotional communications from us by following the instructions provided in our emails or contacting us directly.

7. Children's Privacy:

Our services are not intended for children under the age of 13. We do not knowingly collect personal information from children without parental consent.

8. Changes to Privacy Policy:

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify users of any material changes by posting the updated policy on our website or contacting them directly.

9. Contact Us:

If you have any questions or concerns about our Privacy Policy or data practices, please contact us at info@rrfinancials.net

Disclaimer

R&R FINSERV LLC ("R&R Financials") provides services for Estate Planning, Financial Needs Analysis, and Financial Planning, which may include recommendations for insurance products such as Term Insurance, Permanent Insurance, Indexed Universal Life, and Annuity. It is important to note that R&R Financials does not provide these insurance products directly, and all products and services are provided by carrier/product providers.

R&R Financials acts solely as an intermediary and does not manufacture, distribute, or sell insurance products or annuities. Our role is to offer guidance and assistance in selecting suitable insurance products and annuities based on individual financial needs and goals.

All insurance products and annuities recommended by R&R Financials are provided by carrier/product providers, and any purchase or transaction involving these products is entered into directly between the user and the respective carrier/product provider.

It is important to understand that the information provided by R&R Financials regarding insurance products and annuities is for informational purposes only and should not be construed as financial or investment advice. Users are encouraged to consult with licensed professionals and conduct their own due diligence before making any decisions regarding insurance or annuity products.

R&R Financials employs state-licensed and certified agents who are authorized to sell insurance and annuity products on behalf of carrier/product providers. These agents may receive commissions based on the sale of insurance and annuity products, which are provided by the carrier/product provider.

R&R Financials does not endorse, guarantee, or warranty the performance, reliability, or suitability of any insurance products or annuities provided by carrier/product providers. Users are advised to review the terms, conditions, and features of each insurance product or annuity carefully before making any purchase decision.

By using the services provided by R&R Financials, users acknowledge and accept that R&R Financials is not responsible for any transactions, agreements, or disputes arising from the purchase or use of insurance products or annuities provided by carrier/product providers.

Consent to Receive Communication

I hereby consent to receive communication from R&R FINSERV LLC through the following channels:

Email: I agree to receive communication via email to the email address provided by me during registration or account setup. I understand that email communication may include newsletters, promotional offers, account updates, and other relevant information.

Phone: I agree to receive communication via phone calls to the phone number provided by me during registration or account setup. I understand that phone communication may include account verification, customer support inquiries, and promotional offers.

SMS (Short Message Service): I agree to receive communication via SMS to the mobile phone number provided by me during registration or account setup. I understand that SMS communication may include account alerts, promotional offers, and other important notifications.

I understand that I may opt-out of receiving communication via any of these channels at any time by following the unsubscribe instructions provided in the communication or by contacting R&R FINSERV LLC directly. However, opting out may limit my access to certain services or information.

By providing my consent, I acknowledge that I have read and understood R&R FINSERV LLC 's privacy policy and agree to the terms outlined therein regarding the collection, use, and protection of my personal information.