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Securities are offered through RCH Securities, LLC, a wholly owned subsidiary of Retirement Clearinghouse, LLC and a member of FINRA (www.finra.org). Retirement Counselors with the RCH Service Center are Registered Representatives of RCH Securities, LLC.
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Terms of Use
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Acceptance of Terms
RCH Securities, LLC provides this Website ("Website") to you, subject to
the following Terms of Use, which may be updated by us from time to time. This
Website provides you with access to online Rollover IRA services and products
provided by various financial institutions ("Services") and text, pictures,
graphics, logos, button items, images, works of authorship and other
information and all revisions, modifications, and enhancements ("Content"), all
of which are subject to the Terms of Use ("Terms of Use Agreement"). Unless
stated otherwise, any new Services and Content added to this Website also will
be covered by the Terms of Use Agreement.
YOUR ACCESS TO AND USE OF THIS WEBSITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE OR ANY INFORMATION CONTAINED ON THIS WEBSITE. YOUR ACCESS TO AND USE OF THIS WEBSITE CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW.
Your Use of the Services
In order to use the Services, you must be at least 18 years of age and
reside in the United States. In consideration of your use of the Services, you
agree to provide true, accurate and current information about yourself as
prompted by the forms on this Website. If any information you provide is
untrue, inaccurate or not current, or if RCH Securities has reasonable grounds
to suspect that such information is untrue, inaccurate or not current,
RCH Securities, at its sole discretion, has the right to refuse all current or
future access to the Content and use of the Services or suspend or terminate
any portion thereof. Further, you agree that RCH Securities will not be liable
to you or any third party if RCH Securities suspends or terminates your access
to the Services or Content for any reason.
A Notice Regarding Indirect Rollovers
IF YOU RECEIVED A DISTRIBUTION CHECK THAT IS DATED MORE THAN 40
DAYS AGO FROM YOUR FORMER
Your initial Investment with a Financial Institution
The money in your
Password/User Name Protection and Use
You will receive a password and user name upon completing Step One of
the RCH Securities Rollover Form. You may provide your password and user name
only to persons who you obligate to comply with this Terms of Use Agreement.
You are responsible for maintaining the confidentiality of your password and
user name and are fully responsible for all activities using your password or
user name. You agree to (a) immediately notify RCH Securities of any
unauthorized use of your password or your user name or any other breach of
security, and (b) exit from your account at the end of each session.
RCH Securities cannot and will not be liable for any loss or damage arising
from your failure to comply with this Section.
Copyright
You acknowledge and agree that all Content is the copyrighted work of
RCH Securities or third party content suppliers and is protected by US and
international copyright laws. The compilation (meaning the collection,
arrangement and assembly) of all Content is also the exclusive property of
RCH Securities and is protected by US and international copyright laws.
If you download anything from this Website, you must keep all copyright and other notices (e.g., trademark, patent, etc.) intact. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or other content obtained from this Website without the prior written authorization of RCH Securities or the third party suppliers.
Trademarks
You acknowledge that RCH Securities, the RCH Securities logo, all page
headers, custom graphics, and button icons are service marks, trademarks,
and/or trade dress of RCH Securities and that all other trademarks, product
names, company names or logos on the Website are the property of their
respective owners. In addition to complying with all applicable laws, you agree
that you will not use any such trademarks, service marks, trade dress, or other
logos from this Website without the prior written authorization of
RCH Securities.
Proprietary Software
All software used in connection with this Website ("Software") is the
property of RCH Securities or its suppliers and is protected by US patent and
copyright laws and international treaties. Any use of the Software other than
as required to navigate and to utilize the functionality offered through this
Website is prohibited. You agree not to copy, distribute, publicly display,
modify decompile, disassemble, reverse engineer or otherwise attempt to
discover the source code of the Software. Further, you agree not to access the
Services or Content by any means other than the interface provided by
RCH Securities for your use in accessing the Services and Content.
Connection Requirements
You are responsible for providing and maintaining, at your own option
and expense, all hardware, software and communication lines required to access
and use this Website. RCH Securities reserves the right to change the
configuration at any time, so you are encouraged to review this Terms of Use
Agreement regularly.
No RCH Securities Editorial Control of Third Party Content; No Statement as
to Accuracy
You agree that, as some of the Content included in the Website is
provided by third party content providers, RCH Securities has no editorial
control or responsibility over Content or other information provided by third
parties. Therefore, any opinions, statements, products, services, offers,
promotions or other information expressed or made available by third party
suppliers on this Website are those of such third party suppliers.
RCH Securities does not represent or endorse the accuracy or reliability of
any opinion, statement or other information provided by any third party.
RCH Securities neither warrants nor represents that your use of the Content
displayed on this Website or referenced content or service providers will not
infringe rights of third parties not owned by or affiliated with
RCH Securities.
Not a Financial Institution; Use Your Own
Judgment; No Guarantee by RCH Securities, etc.
RCH Securities is not a financial institution. RCH Securities does not endorse or recommend the products of any particular
financial institution on rch1.com or any other venue in which the
RCH Securities software may be accessed.
RCH Securities' services are administrative, educational, and consultative only. You should
rely on your own judgment in deciding which financial institution and that
institution’s products and services best suit your needs. The financial
institution is solely responsible for its products and services to you, and you
agree that RCH Securities shall not be liable for any damages or costs of any
type arising out of or in any way connected with your use of such services.
RCH Securities does not guarantee acceptance by any particular financial institution or specific offer terms or conditions from any participating financial institution; Individual Retirement Account approval standards are established and maintained solely by individual financial institutions. Likewise, RCH Securities does not guarantee that the products and promotions offered and made available by participating financial institutions through this Website are the best available in the market. Nothing contained herein shall constitute an offer or promise for an IRA or specific rate of return. RCH Securities is paid a fee by participating financial institutions for the goods, facilities and services provided. Your use of this Website constitutes your agreement with this compensation arrangement.
Links to Third Party Websites
This Website may provide links to other Websites that are not under
the control of or maintained by RCH Securities. You acknowledge and agree that
RCH Securities is not responsible for and is not liable for the content,
products, services or other materials on or available from such Websites. You
further acknowledge and agree that RCH Securities will not be responsible or
liable, directly or indirectly, for any damages or losses caused or alleged to
be caused by or in connection with the use of or reliance on such content,
products, services or other materials available on or through any such Website.
Privacy Policy
Click here to review RCH Securities' Privacy Policy.
You consent to the uses of data that are consistent with the Privacy Policy.
Modifications to Services
RCH Securities may, at its discretion, modify or discontinue any of
the Services or Content or a portion thereof, with or without notice. You agree
that RCH Securities will not be liable to you or any third party for any
modification or discontinuance of any of the Services or Content.
Disclaimer
Information contained on this Website has been prepared by
RCH Securities as a convenience to its users and is not intended to constitute
advice upon which a user may rely. RCH Securities has used reasonable efforts
in collecting, preparing and providing quality information and material, but
makes no warranty or guarantee about the accuracy, completeness, or adequacy of
the information contained in or linked to this Website or any other Website
maintained by RCH Securities. Users relying on information from this Website
do so at their own risk.
RCH Securities may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model "what-if" scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report. RCH Securities makes no warranty regarding the accuracy of such calculators available for use on this Website.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF THIS Website, THE SERVICES AND CONTENT IS AT YOUR SOLE RISK. ALL SERVICES, CONTENT AND SOFTWARE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. RCH Securities EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. RCH Securities MAKES NO WARRANTY THAT (I) THE SERVICES, CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED OR ERROR-FREE; (II) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES, CONTENT OR SOFTWARE WILL BE RELIABLE; (III) THE QUALITY OF ANY PRODUCTS ACCESSED, OBTAINED OR PURCHASED THROUGH THE USE OF THE Website, SERVICES, CONTENT OR SOFTWARE WILL MEET YOUR EXPECTATIONS; AND (IV) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
Limitation of Liability
YOU UNDERSTAND AND AGREE THAT RCH Securities WILL NOT BE LIABLE FOR ANY
DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES,
INCLUDING, BUT NOT LIMITED TO, DAMAGES OR LOSS OF PRODUCTS, USE, DATA OR OTHER
INTANGIBLE LOSSES, EVEN IF RCH Securities HAS BEEN ADVISED OF THE
POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE
Website, SERVICES, CONTENT OR SOFTWARE, THE COST OF OBTAINING SUBSTITUTE
PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR
SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEBSITE, OR STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED
TO THE SERVICE OR CONTENT.
Indemnity
As a condition of use of this Website, you agree to indemnify
RCH Securities and its suppliers from and against any and all liabilities,
expenses (including attorneys' fees) and damages arising out of claims
resulting from your use of this Website, including without limitation any
claims alleging facts that if true would constitute a breach by you of this
agreement and providing false information on this Website.
General Provisions
Entire Agreement
This Terms of Use Agreement, the Privacy Policy, and other policies
RCH Securities may post constitute the entire agreement between
RCH Securities and you in connection with your use of this Website and the
Content and supersedes any prior agreements between RCH Securities and you
including prior versions of the Terms of Use Agreement. RCH Securities may
update this Terms of Use Agreement from time to time by posting revised Terms
of Use on this Website, without notice to you, and your subsequent use of the
Website is governed by those new Terms of Use. The Terms of Use is effective
until terminated by RCH Securities, at any time without notice. In the event
of termination, the disclaimers and limitations of liabilities set forth in the
Terms of Use Agreement will survive. The Terms of Use will be deemed to include
all other notices, policies, disclaimers and other terms contained in this Website; provided, however, that in the event of a conflict between such other
terms and the terms of these Terms of Use, these Terms of Use will control.
Rollover Application Governed by Separate Agreement
The terms and conditions governing your Rollover Application that is submitted
to the financial institution that you selected shall be governed by a separate
agreement duly executed between you and the particular financial institution.
Age and Location of User
All information and content available on this Website are solely directed to
individuals 18 years of age or older residing in the United States.
RCH Securities makes no representation that the Content, information,
products, or Services are available for use outside of the United States. Any
use of the Services and Content is prohibited where they are not allowed by
law.
Governing Law; Jurisdiction; Venue; Severability of Provisions
The Terms of Use are governed by the laws of the State of North Carolina, USA
and controlling United States Federal Law without regard to the conflicts of
law provisions. You agree that any action to enforce the Terms of Use will be
brought in the federal or state courts located in Charlotte, North Carolina. If
any provision is deemed by a court of competent jurisdiction to be unlawful or
unenforceable, it will not affect the validity and enforceability of the
remaining provisions. The section headings are for convenience only and do not
have any force or effect.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
Disclosures & Licenses
Disclaimer: RCH Securities, LLC is a registered broker-dealer and member of FINRA ( www.finra.org ). RCH Securities does not offer research or advice on specific securities, nor does the company offer tax advice. The financial institutions on the RCH Securities network are solely responsible for their products and services. Any conversation, communication or services provided by a representative of RCH Securities shall not constitute investment, legal, or tax advice and is intended solely to educate and assist each participant with retirement solutions. Each participant of RCH Securities has sole discretion in deciding which financial institution's products and services best suit their needs. RCH Securities is a subsidiary of Retirement Clearinghouse, LLC.
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