401(k) Rollover Challenge — Terms of Service
These Terms of Service (“Terms”) govern your use of the 401(k) Rollover Challenge, a free email program operated by King Tides Ventures LLC (“King Tides Ventures,” “we,” “us”). By signing up, you agree to these Terms.
1. What we provide
The Challenge is a series of educational emails about locating and rolling over old employer retirement accounts. It is provided for general informational purposes only and does not constitute investment, tax, or legal advice. You should consult a qualified professional and your plan provider before making financial decisions.
2. Optional coaching
After the free email series, we may offer optional, paid 1:1 coaching. Paid services are never required to complete the Challenge and will be described and priced separately before you agree to purchase.
3. Your responsibilities
You are solely responsible for any decisions you make about your retirement accounts. We never ask for account login credentials, passwords, or account numbers by email, and you should never share them with us.
4. No guarantee of outcomes
We make no guarantees about investment performance, fees, timelines, or the suitability of any rollover destination. Rules vary by plan provider and are subject to change.
5. Unsubscribing
You may unsubscribe from the Challenge emails at any time using the link included in every message.
6. Disclaimer of liability
The Challenge and any related content are provided “as is,” without warranties of any kind, express or implied. To the fullest extent permitted by law, King Tides Ventures disclaims all liability for any loss or damage — including investment losses, tax consequences, or missed deadlines — arising from your use of the Challenge, its emails, or any paid coaching series.
7. Limitation of liability
To the fullest extent permitted by law, King Tides Ventures will not be liable for any indirect, incidental, special, or consequential damages. Our total liability arising out of or relating to these Terms or the Challenge will not exceed the total amount you paid us in the 12 months before the claim arose (or $100 if you have not paid us anything).
8. Dispute resolution and arbitration
Any dispute arising out of or relating to these Terms or the Challenge will be resolved through final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small claims court in San Francisco, California. The arbitration will be conducted by a single arbitrator, selected in accordance with AAA rules, and will take place in San Francisco, California. Arbitration fees and costs will be allocated in accordance with the AAA Consumer Arbitration Rules, except that each party will bear its own attorneys' fees and costs unless the arbitrator determines otherwise. The arbitrator's decision will be final and binding, and judgment on it may be entered in any court of competent jurisdiction. Arbitration will be conducted on an individual basis only; class actions, class arbitrations, and representative actions are not permitted. These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. This section does not limit any consumer protection rights that cannot be waived under applicable law.
9. Changes to these Terms
We may update these Terms from time to time. Continued participation after changes take effect constitutes acceptance of the revised Terms.
10. Contact
Questions about these Terms can be sent to the reply address on any Challenge email, by email at info@kingtides.io, or by mail to: King Tides Ventures LLC, 280 Spear St., Ste. 901, San Francisco, CA 94105.