Terms of Use

Last updated: 2026-08-06

1. Agreement

By using this website, submitting a form, or booking an appointment, you agree to these terms. If you do not agree, please do not use the site. This site is operated by Valoram Solutions ("Valoram", "we", "us").

2. What this service is

This site offers a no-cost, no-obligation appointment with a licensed insurance agent to review your retirement income situation. You are not buying anything on this site, and nothing you do here creates an application, an offer, or a contract for any insurance or financial product.

3. Eligibility

You must be at least 18 years old and a resident of the United States to use this site. Appointments are available only where the responsible agent is licensed and appointed.

4. Accuracy of what you tell us

The figures produced by any survey, calculator, or on-screen summary on this site are based entirely on what you enter. They are estimates for discussion, not quotes. If the information you provide is approximate, the output is approximate.

5. No advice

Nothing on this site is investment, tax, legal, or individualized financial advice. The content is general education. Decisions about your retirement should be made with a licensed professional who has reviewed your complete circumstances, and with your own tax and legal advisors.

6. Appointments

Booking an appointment reserves a time with a licensed agent. There is no cost and no obligation. We may contact you by phone, text, and email to confirm, remind, reschedule, or follow up. Either side may cancel or reschedule.

7. Consent to be contacted

By submitting your phone number you agree to be contacted at that number by call and by text, including through automated systems, about the appointment you requested. Consent is not a condition of purchasing anything. Message and data rates may apply. Reply STOP to opt out of texts. See our privacy policy for detail.

8. Recording

Calls may be recorded or transcribed for quality, training, and recordkeeping. Where your state requires notice, you will be told at the start of the call and may decline.

9. Intellectual property

All content on this site, including text, video, graphics, and layout, is owned by Valoram Solutions or its licensors and may not be copied, reproduced, or redistributed without written permission.

10. Third-party links and services

This site relies on third-party services and may link to third-party websites. We do not control them and are not responsible for their content, availability, or practices.

11. Disclaimer of warranties

This site is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, timely, secure, or error-free.

12. Limitation of liability

To the maximum extent permitted by law, Valoram Solutions and its officers, employees, contractors, and service providers are not liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, arising from your use of this site or from any appointment arranged through it. Nothing in these terms limits liability that cannot be limited under applicable law.

13. Agent independence

Licensed agents are responsible for their own advice, recommendations, and conduct, and for their own compliance with the laws of the states in which they are licensed.

14. Changes

We may update these terms at any time. Continued use of the site after a change means you accept the revised terms. The "Last updated" date above reflects the latest revision.

15. Governing law

These terms are governed by the laws of the State of [CONFIRM: state of organization], without regard to its conflict-of-laws rules.

16. Contact