Terms & Conditions

Last updated August 29, 2026

These Terms govern your access to and use of RetireCaptain websites and services. By using the site, you agree to these Terms. If you do not agree, do not use the site.

Educational service

RetireCaptain provides general educational information and may help visitors connect with licensed insurance professionals. RetireCaptain is not an insurance company, does not issue insurance products, and does not provide individualized financial, investment, tax, or legal advice.

No recommendation or guarantee

Questionnaire results are based only on the answers submitted and are educational in nature. They are not a recommendation to purchase, replace, exchange, or surrender any financial or insurance product. Product availability, features, rates, and suitability vary by carrier, state, and individual circumstances.

Insurance products

Annuities are long-term insurance contracts that may include fees, surrender charges, withdrawal restrictions, tax consequences, and other limitations. Guarantees are subject to the financial strength and claims-paying ability of the issuing insurer. Review official contract documents and consult qualified professionals before making a decision.

Consent to communications

If you submit contact information and provide the required consent, RetireCaptain and participating insurance professionals may contact you using the information submitted, including by telephone, text message, or email. Communications may use automated technology where disclosed. Consent is not a condition of purchasing any product. Message and data rates may apply. You may revoke consent through the opt-out method provided.

Your responsibilities

You agree to provide accurate information, use the site only for lawful purposes, and avoid interfering with site operation or attempting unauthorized access. You must be at least 18 years old to use the service.

Third parties

Insurance professionals, carriers, and technology providers are independent third parties. Their products, services, advice, privacy practices, and conduct are governed by their own terms. We are not responsible for third-party acts or omissions.

Intellectual property

The RetireCaptain name, design, text, graphics, and site software are protected by applicable intellectual-property laws. You may not copy, republish, sell, or commercially exploit site content without written permission.

Disclaimer and limitation of liability

The site is provided “as is” and “as available.” To the extent permitted by law, we disclaim implied warranties and are not liable for indirect, incidental, special, or consequential damages resulting from site use or reliance on its content.

Changes

We may update these Terms or modify the service. Continued use after an update means you accept the revised Terms.

Contact

Questions about these Terms may be sent to support@retirecaptain.com.