Welcome, and thank you for visiting simplesuccessfinancial.com (the “Site”). Please read these Terms of Use (the “Terms”) carefully. By visiting or using the Site, or by using any of the services or features made available through the Site (the “Services”), you agree to these Terms, forming a legal agreement (the “Agreement”) between you and 5 Rings Financial (“5 Rings Financial,” “we,” or “us”), which owns and operates the Site under the Simple Success Financial brand.
The Site; the Services offered through it; and the text, audio, video, graphics, and other content featured on the Site (the “Content”) are together considered our “Offerings” for purposes of these Terms. Your use of certain Offerings may be subject to additional terms, which will be presented to you when you use them. These Terms, together with our Privacy Policy, govern your use of our Offerings. If you do not agree to these Terms, you must stop using our Offerings.
What we do. Simple Success Financial is a referral service that connects individuals, families, and business owners with vetted, independently licensed financial and insurance professionals (our “partners”). We do not sell insurance, securities, or financial products, and we do not provide financial, tax, legal, accounting, or investment advice. All consultations, applications, and recommendations are handled directly between you and an independently licensed partner. Any decision you make is your own, and product availability varies by state, carrier, firm, and personal eligibility.
I. Eligibility
The Site and Offerings are intended for use by individuals in the United States of America, including Alaska, Hawaii, Puerto Rico, and other U.S. Territories (the “Serviced States”). At this time we do not serve individuals or entities outside the Serviced States. By using the Site, you confirm that you:
- are legally capable of entering into this Agreement and do so willingly;
- are at least 18 years old;
- are a resident of, and are accessing the Site from, a Serviced State; and
- will provide true, complete, and current contact information.
By using the Services, you warrant that you meet all of the criteria above and that you will not use the Site or any Offerings in a way that violates any applicable law or regulation.
II. Nature of our Services
Our role is limited to helping you connect with an independently licensed partner suited to your situation. When you submit an interest form, you authorize us to share your contact information with one or more partners so they may follow up with you directly.
Our partners are independent businesses. They are solely responsible for the services, advice, products, and recommendations they provide, and for their own compliance with applicable licensing and regulatory requirements. We do not guarantee the availability, suitability, quality, or outcome of any partner’s services, and we are not a party to any agreement you enter into with a partner.
III. Intellectual property
All intellectual property rights associated with the Site — including copyrights, trademark rights, trade names, service marks, logos, and design rights — are and remain the exclusive property of us or our licensors, and are protected by applicable laws. Nothing in these Terms grants you any right to use the “Simple Success Financial” or “5 Rings Financial” names or marks without our prior written permission.
You may not reproduce, duplicate, copy, download, modify, publish, transmit, sell, sublicense, or otherwise exploit any part of the Site or its Content without our express written permission, except where a limited personal, non-commercial use is explicitly permitted and you preserve all required attributions. You are responsible for any violation of this section made through an account or device you own, even unknowingly.
IV. Acceptable use
You agree to use the Site and Offerings only for their intended purpose and in compliance with these Terms and applicable law. You are solely responsible for ensuring your use does not violate any law, regulation, or third-party right. We reserve the right to deny access, terminate use, and report misconduct to the appropriate authorities if you are involved in or suspected of:
- impersonating another person or entity;
- violating any law, regulation, or these Terms;
- infringing on the rights of any third party;
- significantly impairing our legitimate interests; or
- submitting false, misleading, or fraudulent information.
V. Third-party resources
Through the Site, you may access external resources or links provided by third parties, including our partners. We have no control over these resources and are not responsible for their content, availability, or practices. Your access to and use of third-party resources are governed by those third parties’ terms and by applicable law.
VI. Disclaimers and limitation of liability
A. No warranties
The Site and all Offerings are provided on an “as is” and “as available” basis, and you use them at your own risk. To the fullest extent permitted by law, we make no promises or guarantees of any kind, whether express, implied, or statutory, including as to the quality of the Offerings, their suitability for your needs, uninterrupted availability, or non-infringement. Any information you receive from us or through the Offerings does not create any warranty beyond what is expressly stated here. We do not endorse or guarantee any products or services offered by any partner or third party, and any dealings you have with them are solely your responsibility.
B. Limitation of liability
To the maximum extent permitted by applicable law, neither we nor our affiliates, officers, directors, agents, partners, suppliers, or employees (collectively, the “Team”) will be liable for any errors, mistakes, or inaccuracies in the Offerings; for any indirect, punitive, incidental, special, consequential, or exemplary damages (including loss of profits, goodwill, data, or other intangible losses) arising from or related to your use of, or inability to use, the Offerings; or for unauthorized access to our systems, interruption of transmission, or any harmful components transmitted through the Offerings. This limitation applies regardless of the theory of liability, even if we have been advised of the possibility of such damages.
VII. Indemnification
By using the Site, you agree to defend, indemnify, and hold harmless us and our Team from any claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising from: your use of the Offerings; your violation of these Terms; your violation of any third-party right, including privacy or intellectual property rights; your violation of any applicable law or regulation; or your intentional misconduct.
VIII. Governing law
These Terms and any dispute arising out of or relating to the Services or this Agreement are governed by the laws of the State of Colorado and the Federal Arbitration Act, without regard to conflict-of-laws rules.
IX. Dispute resolution
Except as provided below, you and 5 Rings Financial agree that any dispute, claim, or controversy arising out of or relating to the Services or these Terms (a “Claim”) will be resolved by binding arbitration or in small claims court, rather than in courts of general jurisdiction. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery, and is subject to limited review by courts. You agree that the Federal Arbitration Act governs this provision, and that you are waiving the right to a trial by jury and the right to participate in a class action. This provision survives termination of this Agreement.
Before starting arbitration or filing in small claims court, the party raising a Claim must first send the other a written Notice of Claim describing the nature and basis of the Claim and the relief sought. A Notice of Claim to us should be sent to 5 Rings Financial, 10268 W Centennial Rd, Ste 302, Littleton, CO 80127. You and we agree that good-faith, informal efforts often resolve disputes quickly, so after a Notice of Claim is sent, we will meet — by phone or videoconference — in a good-faith effort to resolve the Claim. If the Claim is not resolved within sixty (60) days after the Notice of Claim is received, either party may begin an arbitration proceeding or file in small claims court in the State of Colorado.
X. Other important terms
Severability
If any provision of these Terms is found invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect. These Terms constitute the entire agreement between you and us regarding the Offerings and supersede any prior communications.
No waiver
If we do not immediately act on a violation of these Terms, we do not waive any rights and may act at any later time.
Surviving provisions
This Agreement continues until terminated by either you or us. Provisions that by their nature should survive termination will survive, including Intellectual Property, Disclaimers and Limitation of Liability, Indemnification, Governing Law, Dispute Resolution, Severability, and No Waiver.
Changes to these Terms
We may update these Terms from time to time. When we do, we will revise the “Effective” date above. Your continued use of the Site after an update means you accept the revised Terms.
Contact us
If you have questions about these Terms, you can reach us at:
5 Rings Financial
10268 W Centennial Rd, Ste 302
Littleton, CO 80127
Email: susan@planwithrichards.com