About the service
Retirement Scientist is a brand of MCRE Services Ltd (“we,” “us,” or “our”). This website offers general educational information about retirement income and annuities and a way to request an introduction to financial advisors or insurance agents. By using this website, you agree to these terms. If you do not agree, please do not use it.
Information, not advice
Content on this website is for general information only. It is not financial, investment, insurance, tax, or legal advice; an offer to sell a product; or a recommendation that any particular annuity or strategy is suitable for you. We do not sell insurance, financial products, or advisory services and do not act as your financial advisor or insurance agent.
Annuities vary in features, fees, surrender charges, withdrawal limits, risks, and tax treatment. Any guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Consider your circumstances and review actual product documents with an appropriately qualified professional before making a decision.
Introductions to financial professionals
When you request a match, you'll be taken to a separate questionnaire. Your answers may be used to identify and introduce you to one or more financial advisors or insurance agents. A match is not guaranteed, and an introduction is not an endorsement or a suitability determination.
Professionals you speak with are responsible for their own advice, licensing, disclosures, product recommendations, and client relationships. You are free to decide whether to engage with them or purchase anything. Review the questionnaire's notices before submitting it.
Using the website
Please provide accurate information when making an inquiry, do not impersonate any person or entity, and use the website only for lawful purposes. Do not interfere with its operation, attempt unauthorized access, or use its content to mislead others.
All content on this website, including text, graphics, logos, images, and design, is owned by MCRE Services Ltd or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from this content without our prior written consent, except where applicable law permits.
Third-party sites and availability
Links to third-party websites, including our separately hosted matching questionnaire and the sites of financial professionals, are provided for convenience. Other sites may have separate terms and privacy notices. We do not control their content or services. We may change or discontinue parts of this website, and information on it may not always be current or complete.
Limitations
We aim to provide useful and accurate information, but this website is provided as available without a promise of uninterrupted access, error-free content, particular financial results, or a successful match. To the extent permitted by applicable law, MCRE Services Ltd is not responsible for losses arising from reliance on general website content or from the services, statements, or actions of third parties. Nothing in these terms limits rights that cannot lawfully be excluded.
Indemnification
You agree to indemnify, defend, and hold harmless MCRE Services Ltd and its affiliates from claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of this website in violation of these terms or from information you submit that is false or misleading.
Severability
If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
Changes to these terms
We may update these terms from time to time. The effective date above indicates the current version. Continued use after changes are posted means you accept the updated terms.
Contact
Questions about these terms? Contact MCRE Services Ltd at hello@retirementscientist.com.
For information about how we handle personal information, read our Privacy policy.