Terms of Use

Effective Date: March 10, 2026

 

These Terms of Use ("Terms") govern your use of the Merkle Retirement Planning website, services, and communications. By accessing or using our website, you agree to these Terms.

 

No Investment Advice Disclaimer

Information provided on this website is for general informational purposes only and does not constitute individualized investment, legal, or tax advice. Use of this website does not create an advisory relationship.

 

Eligibility

This website is intended for individuals aged 18 or older and residents of the United States.

 

SMS/Text Messaging Terms

1. SMS Consent Communication
   • The information (phone numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
2. Types of SMS Communications
   • If you have consented to receive text messages from Merkle Retirement Planning, LLC, you may receive messages related to the following:
     • Account notifications
     • Customer care
     • Marketing
   • Example: "Your appointment with Merkle Retirement Planning is scheduled for [Date] at [Time]. You can reply STOP to opt out of SMS messaging from Merkle Retirement Planning, LLC at any time."
3. Message Frequency
   • Message frequency may vary. You may receive up to 2 SMS messages per week regarding your appointments or account status.
4. Potential Fees for SMS Messaging
   • Please note that standard message and data rates may apply, depending on your carrier's pricing plan. These fees may vary if the message is sent domestically or internationally.
5. Opt-In Method
   • You may opt in to receive SMS messages from Merkle Retirement Planning, LLC in the following way:
     • Verbally, during a conversation
     • Website, via a form
6. Opt-Out Method
   • You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
7. Help
   • If you are experiencing any issues, you can reply with the keyboard HELP. Or, you can get help directly from us by calling 515-278-1006 or emailing [email protected]
8. Standard Messaging Disclosures
   • Message and data rates may apply.
   • You can opt out at any time by texting "STOP".
   • For assistance, text "HELP" or visit our Privacy Policy and Terms of Use pages.
   • Message frequency may vary.

By opting in to receive text messages from Merkle Retirement Planning, you agree to the following:

• Messages may include account notifications, customer care, marketing, and reminders
• Message frequency varies based on customer interaction
• Message and data rates may apply
• Reply STOP at any time to opt out
• Reply HELP or contact [email protected] for assistance

Consent to receive text messages is not a condition of purchasing services.

Intellectual Property

All website content, including text, graphics, logos, and materials, is owned by Merkle Retirement Planning or its licensors and may not be copied, reproduced, or distributed without written permission.

 

Prohibited Use

You agree not to:

• Use the website for unlawful purposes
• Attempt to gain unauthorized access to systems or data
• Interfere with website functionality or security

 

Limitation of Liability

To the fullest extent permitted by law, Merkle Retirement Planning is not liable for any damages arising from your use of this website or reliance on its content.

 

Indemnification

You agree to indemnify and hold harmless Merkle Retirement Planning from claims arising out of your misuse of the website or violation of these Terms.

 

Governing Law

These Terms are governed by the laws of the State of Iowa, without regard to conflict of law principles.

 

Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date.

 

Contact Information

Merkle Retirement Planning
1860 SE Princeton Drive
Grimes, IA 50111

515-278-1006
[email protected]