Last updated: April 2, 2026
Porto Financial LLC, doing business as Retiree Review, is an independent insurance advisory practice that provides Indexed Universal Life (IUL) policy reviews and illustration analysis for consumers. By using our website at retireereview.org and our services, you agree to these Terms of Service. Please read them carefully.
When you engage with our services, you may receive communications from us including IUL policy review updates, illustration analysis results, appointment reminders, and — if you have separately opted in — marketing messages about special offers, discounts, and service updates.
By accessing or using our website and services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.
Porto Financial LLC provides independent analysis of IUL policy illustrations. Our reviews are educational in nature and do not constitute financial, legal, or tax advice. We are not a registered investment advisor, broker-dealer, or financial planner. Any decisions you make based on our analysis are your own responsibility.
When using our website and services, you agree to provide accurate and complete information, use our services only for lawful purposes, and not submit false or misleading information through our forms.
By opting in to receive text messages from Porto Financial LLC (DBA Retiree Review), you agree to the following terms regarding our SMS messaging program:
Opt-Out: You can cancel the SMS service at any time. Just text "STOP" to the number from which you received our message. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
Support: If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected].
Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages.
Message Frequency & Rates: As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary depending on the nature of your inquiry and the services you have opted into. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
Privacy: If you have any questions regarding privacy, please read our privacy policy: retireereview.org/privacy-policy
All content on this website, including text, graphics, logos, and design elements, is the property of Porto Financial LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written consent.
Our website and services are provided on an "as-is" and "as-available" basis. Porto Financial LLC makes no warranties, expressed or implied, regarding the accuracy, completeness, or reliability of any content or analysis provided. Our IUL policy reviews are educational in nature and should not be considered a substitute for professional financial advice.
To the fullest extent permitted by law, Porto Financial LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, including any decisions you make based on our IUL policy analysis.
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of those third parties.
We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on this page with an updated "Last updated" date. Your continued use of our website after changes are posted constitutes acceptance of the revised terms.
These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.
If you have questions about these Terms of Service, please contact us:
Porto Financial LLC, DBA Retiree Review
Email: [email protected]
Website: retireereview.org