Terms of Service

Effective / last updated: August 8, 2026

These Terms of Service ("Terms") govern your use of rothrightnow.com (the "Site"), operated by RothRightNow. By using the Site, you agree to these Terms.

1. Description of service

RothRightNow is a free service that matches users with independent, third-party Roth conversion specialists based on information the user submits, and surfaces publicly available cash bonus offers from IRA custodians. RothRightNow is not a registered investment advisor, broker-dealer, insurance agency, or financial planner. We do not provide investment, tax, or legal advice, and we do not hold, manage, or have custody of any funds or accounts.

2. Not financial advice

Nothing on the Site constitutes financial, tax, or legal advice or a recommendation to buy, sell, or hold any security or to convert any particular account. Roth conversion decisions are complex, are a taxable event, and depend on your individual circumstances, including your current and expected future tax bracket. Always consult a licensed financial, tax, or legal professional before making decisions about retirement accounts.

3. Third-party specialists and custodians

Specialists we match you with, and custodians whose bonus offers are listed on the Site, are independent third parties. We do not control, and are not responsible for, their conduct, advice, products, fees, or the accuracy or availability of any bonus offer at the time you apply. Bonus terms are set by the third-party custodian and subject to change without notice; verify current terms directly with the custodian before relying on them. RothRightNow may receive compensation from specialists or custodians in connection with referrals made through the Site.

4. Eligibility

You must be at least 18 years old and a resident of the United States to use the Site's matching service.

5. Consent to contact

By submitting the form on the Site, you consent to be contacted as described in our Privacy Policy, including by phone, text message, and email, by RothRightNow and the specialist(s) you are matched with.

6. Acceptable use

You agree not to submit false or misleading information, use the Site for any unlawful purpose, or attempt to interfere with the Site's normal operation or security.

7. Disclaimers

The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied. We do not guarantee that you will be matched with a specialist, that any bonus offer will be available or apply to your situation, that any conversion will be completed successfully, or that any conversion will result in a tax benefit for your specific circumstances.

8. Limitation of liability

To the fullest extent permitted by law, RothRightNow will not be liable for any indirect, incidental, special, or consequential damages — including tax liabilities arising from a conversion — related to your use of the Site or your interactions with any specialist or custodian.

9. Governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

10. Changes to these Terms

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

11. Contact us

Questions about these Terms? Email hello@rothrightnow.com.