The terms that govern your use of our website and services.
Please read these Terms of Service ("Terms") carefully before using the website located at www.safeharborip.com (the "Site") operated by Safe Harbor Retirement ("we," "us," or "our").
By accessing or using our Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Site or services.
Safe Harbor Retirement is a licensed insurance agency. We provide retirement income planning services, including consultations on annuity products, Medicare plan options, Social Security strategies, and related topics.
The information published on this Site is for educational and general informational purposes only . It does not constitute, and should not be construed as, legal advice, tax advice, investment advice, or a recommendation to purchase any specific insurance or financial product.
Every individual's financial situation is different. Before making any retirement planning decisions, we strongly recommend consulting with a qualified legal, tax, or financial professional in addition to speaking with us.
Any income illustrations, estimates, or projections shown on this Site — including those generated by the Lifetime Income Estimator tool — are for educational illustration purposes only . They do not represent a guarantee, promise, or offer of any specific insurance product, benefit amount, or financial outcome.
Actual results will vary based on the specific insurance product selected, the issuing insurance company's terms, your age, health status, state of residence, and other individual factors. Guarantees are subject to the claims-paying ability of the issuing insurance company.
Safe Harbor Retirement operates as a licensed insurance agency. Our advisors are licensed to sell insurance products in the states where they are authorized to do business. Insurance product availability and terms vary by state.
We are not a registered investment advisor (RIA) and do not provide securities advice. We are not affiliated with, endorsed by, or representing any government agency, including Medicare, the Social Security Administration, or any federal or state program.
Safe Harbor Retirement is not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information on this website. We are an independent insurance agency that helps individuals understand and enroll in Medicare-related insurance products offered by licensed insurance carriers.
Medicare plan availability, premiums, benefits, and formularies change annually. Information on this Site may not reflect the most current plan details. Always verify current plan information at medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227).
You agree to use this Site only for lawful purposes. You may not:
All content on this Site — including but not limited to text, graphics, logos, images, and software — is the property of Safe Harbor Retirement or its content suppliers and is protected by United States and international copyright laws.
You may view and print pages from this Site for your personal, non-commercial use only. Any other use of our content requires our prior written consent.
Our Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Inclusion of a link does not imply our endorsement of the linked site.
This Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. To the fullest extent permitted by law, Safe Harbor Retirement disclaims all warranties, including but not limited to:
To the fullest extent permitted by applicable law, Safe Harbor Retirement and its owners, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this Site, or from any information obtained through this Site, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising out of or relating to these Terms or your use of the Site shall not exceed one hundred dollars ($100.00).
You agree to indemnify, defend, and hold harmless Safe Harbor Retirement and its officers, owners, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Florida, and you consent to the personal jurisdiction of such courts.
We reserve the right to update or modify these Terms at any time. When we do, we will update the Effective Date at the top of this page. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
If you have any questions about these Terms of Service, please contact us: