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Terms of Use

Last updated: April 2026

Agreement to Terms

By accessing or using irmaagroup.com or irmaareport.com (collectively, "the Sites"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Sites.

Educational Use Only

All content on the Sites is provided for general educational and informational purposes only. Nothing on the Sites constitutes financial, tax, investment, or legal advice. Use of the Sites does not create a professional or advisory relationship between you and IRMAA Group.

Permitted Use

You may use the Sites for personal, non-commercial educational purposes. You agree not to:

Intellectual Property

All content on the Sites, including text, graphics, logos, and educational materials, is the property of IRMAA Group and is protected by applicable intellectual property laws. The IRMAA Report is a proprietary product and may not be reproduced, redistributed, or resold.

Purchases and Payment

By making a purchase on the Sites, you agree to provide accurate payment and personal information. All purchases are subject to our Refund Policy, including the chargeback provisions outlined therein. All sales are final.

Disclaimer of Warranties

The Sites and all content are provided "as is" without warranties of any kind, either express or implied. IRMAA Group does not warrant that the Sites will be error-free, uninterrupted, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, IRMAA Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Sites or reliance on any content found therein.

Third-Party Links

The Sites may contain links to third-party websites. These links are provided for convenience only. IRMAA Group does not endorse and is not responsible for the content or practices of any linked third-party sites.

Indemnification

You agree to indemnify, defend, and hold harmless IRMAA Group, its officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Sites, your violation of these Terms of Use, or your infringement of any third-party rights.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Travis County, Texas.

DMCA and Content Protection

All content on the Sites, including text, design, layout, graphics, and educational materials, is original work owned by IRMAA Group and protected under the Digital Millennium Copyright Act (DMCA) and applicable copyright law. Our content is digitally fingerprinted and monitored for unauthorized reproduction.

If you believe any content on the Sites infringes your copyright, please contact us at info@irmaagroup.com with a description of the copyrighted work, the location of the infringing material, and your contact information.

IRMAA Group actively enforces its intellectual property rights and will pursue all available legal remedies against unauthorized copying, reproduction, or distribution of its content, including but not limited to DMCA takedown requests, cease and desist notices, and legal action for damages.

Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be effective upon posting to the Sites. Your continued use of the Sites after any changes constitutes your acceptance of the updated terms.

Contact Us

If you have questions about these Terms of Use, please contact us:

By using this website, you acknowledge that you have read, understood, and agree to these Terms of Use.