Terms of Use

Please read these Terms of Use ("Terms") carefully before using https://retirementeducationnetwork.com (the "Site") operated by Retirement Education Network ("REN," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Nature of the Site: Educational Content Only

Retirement Education Network is an independent educational media publication. We publish articles, guides, and commentary about Social Security, Medicare, retirement income, estate planning, tax planning, and related topics. Our content is intended to help Americans understand general rules, concepts, and publicly available information, not to provide personalized guidance for individual circumstances.

Specifically, REN:

• Does not provide personalized financial, tax, investment, or legal advice
• Does not recommend specific products, advisors, strategies, or services
• Does not hold itself out as a registered investment adviser, broker-dealer, insurance producer, or law firm
• Does not establish any professional-client relationship through use of the Site

Information on this Site may become outdated. Laws, regulations, benefit amounts, and tax rules change frequently. Always verify information with the relevant government agency or a qualified professional before relying on it.

2. Eligibility

This Site is intended for users who are 18 years of age or older. By using the Site, you represent that you are at least 18 years old. We designed our content primarily for Americans age 59 and older, though we do not restrict access by age.

3. Intellectual Property

All content on this Site, including articles, text, graphics, logos, images, and the selection and arrangement thereof, is the property of Retirement Education Network or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.

You may:

• View and read content for personal, non-commercial educational use
• Share links to individual pages on this Site
• Quote brief excerpts (up to 150 words) with clear attribution and a link back to the original page

You may not:

• Reproduce, republish, or redistribute full articles without written permission
• Scrape, crawl, or systematically download content from the Site
• Use our content for commercial purposes without a license
• Remove or obscure any copyright or attribution notices

To request permission for uses beyond fair use, contact us at legal@retirementeducationnetwork.com.

4. Third-Party Links and Sources

The Site contains links to external websites, including government sources (SSA, IRS, CMS), news organizations, and research institutions. These links are provided for your convenience and reference. We do not endorse, control, or take responsibility for the content, privacy practices, or accuracy of third-party websites. Accessing linked sites is at your own risk.

We cite primary sources to support our editorial accuracy. Cited sources are provided for reference only and do not constitute an endorsement by those sources of REN or our content.

5. Newsletter and Email Communications

By subscribing to the REN newsletter, you consent to receive periodic email communications containing educational retirement content. Each email will include an unsubscribe link. You may opt out at any time. We will not use your email address to send commercial solicitations from third parties.

Our email communications comply with the federal CAN-SPAM Act. Each commercial email we send includes: our physical or electronic address, a clear identification as an advertisement where applicable, and a functional opt-out mechanism honored within 10 business days.

6. No Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, OR NON-INFRINGEMENT.

We do not warrant that: (a) the Site will be uninterrupted or error-free; (b) content is current, accurate, or complete; (c) the Site is free of viruses or other harmful components. Government benefit amounts, tax figures, and regulatory rules change frequently. Always verify with the relevant agency.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RETIREMENT EDUCATION NETWORK AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ITS CONTENT, INCLUDING ANY FINANCIAL DECISIONS MADE IN RELIANCE ON INFORMATION PUBLISHED HERE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00).

Some jurisdictions do not allow limitation of certain damages; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

8. Indemnification

You agree to indemnify, defend, and hold harmless Retirement Education Network and its owners, officers, employees, and agents from any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Site; (b) your violation of these Terms; or (c) your violation of any applicable law or third-party right.

9. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how we collect, use, and share information, including our use of the Meta Pixel and your rights as a California resident.

10. Acceptable Use

You agree not to use the Site to:

• Violate any applicable federal, state, or local law or regulation
• Transmit any harmful, offensive, or disruptive content
• Attempt to gain unauthorized access to any portion of the Site or its servers
• Interfere with or disrupt the operation of the Site
• Use automated means (bots, scrapers, crawlers) to access or collect content without our express written permission

11. Modifications to the Site and Terms

We reserve the right to modify, suspend, or discontinue the Site at any time without notice. We may also update these Terms at any time. The updated Terms will be posted with a revised effective date. Continued use of the Site after any update constitutes your acceptance of the revised Terms. It is your responsibility to check these Terms periodically.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the United States and the State of Virginia, without regard to conflict of law principles. Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located in Virginia, and you consent to personal jurisdiction in those courts.

If you are a California resident, nothing in this section limits any rights you have under California consumer protection law.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Retirement Education Network with respect to your use of the Site, and supersede any prior agreements. If any provision of these Terms is found to be unenforceable, the remaining provisions remain in full force and effect.

14. Contact Us

Questions about these Terms may be directed to:

Retirement Education Network
Email: legal@retirementeducationnetwork.com