Roots and Wealth Group, a subsidiary of SJA Financial Services, LLC
1. Program Description: This messaging program sends appointment confirmation and reminder messages to customers who have booked an appointment with Roots and Wealth Group, a subsidiary of SJA Financial Services LLC, through our website at https://myrmdcalculator.com or via our scheduling forms, and have explicitly opted in to receive SMS notifications. Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Messages include scheduling confirmations, appointment reminders, rescheduling updates, and customer support communications.
2. Cancellation Instructions: You can cancel the SMS service at any time by texting "STOP" to the number that sent you messages. We will confirm your unsubscribe status via SMS. To rejoin, sign up as you did initially.
3. Support Information: Reply "HELP" for assistance, or contact us at the email or phone number below during business hours.
4. Carrier Liability: Carriers are not liable for delayed or undelivered messages.
5. Message & Data Rates: Message and data rates may apply. Message frequency varies based on your service usage and appointment schedule. For questions about your plan, contact your wireless provider.
6. Supported Carriers: Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.
7. Age Restriction: You must be 18 years or older to participate in our SMS program.
8. Privacy Policy: For privacy-related inquiries, please refer to our Privacy Policy. We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines.
This website (the "Site") is owned and operated by Roots and Wealth Group, a subsidiary of SJA Financial Services LLC ("COMPANY," "we" or "us"). By using the Site — including our RMD calculator — you agree to be bound by these Terms of Service and our Privacy Policy, and any additional terms that may apply to specific sections of the Site or to products and services available through it.
Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.
We reserve the right to change these Terms of Service or impose new conditions from time to time; the revised Terms will be posted on this website. Continued use of the Site after changes are posted means you accept the modified Terms.
The RMD calculator on this Site provides a simplified, hypothetical illustration for educational purposes only. It is not tax, legal, or investment advice, and results may not reflect your actual required minimum distribution. Consult a licensed tax or financial professional before making financial decisions.
This Site and all materials available on it are the property of Roots and Wealth Group, a subsidiary of SJA Financial Services, LLC, and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal, non-commercial use. You may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute any material from the Site, except that you may download and/or print one copy of individual pages for personal, non-commercial use, keeping all copyright notices intact.
By posting or submitting any material to us, you represent that you own it or have obtained the necessary permissions, and you grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, sell, exploit, create derivative works from, distribute, and publicly perform or display such material.
The Site may link to third-party websites. Linking does not imply endorsement or sponsorship. The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all implied warranties of merchantability and fitness for a particular purpose.
You agree to indemnify and hold harmless Roots and Wealth Group, a subsidiary of SJA Financial Services, LLC, its affiliates, and their officers, directors, agents, and employees from claims, damages, liabilities, costs, and expenses arising out of your breach of these Terms.
If any feature of the Site requires registration, you agree to provide accurate, current, and complete information and are responsible for maintaining the confidentiality of your login credentials and all activity under your account. Notify us immediately at the email below if you suspect unauthorized use.
We reserve the right to terminate or suspend your access to the Site without notice if we determine you have violated these Terms or engaged in conduct we deem inappropriate or unlawful.
These Terms shall be governed by and construed in accordance with the laws of the state in which Roots and Wealth Group, a subsidiary of SJA Financial Services, LLC operates. Any dispute shall be resolved exclusively through binding arbitration in that jurisdiction.
We may update these Terms from time to time. The latest version will always be available on our website with the effective date.