1. Who We Are
This website is owned and operated by Walker Thomas LLC, which operates Retirement Education Network (“REN”). In these terms, “we,” “us,” and “our” mean Walker Thomas LLC. By using this website, reading or downloading our content, or submitting your information through our forms, you agree to these Terms and Conditions and to our Privacy Policy.
If you do not agree with these terms, please do not use this site.
2. Education Only
Retirement Education Network is an educational publisher. We publish articles, guides, and other materials about retirement topics such as Medicare, Social Security, taxes, and retirement income. That is all this site does.
- We are not a financial advisor, investment adviser, broker-dealer, insurance agency, tax preparer, or law firm.
- We do not sell, offer, or arrange any financial, insurance, or investment product.
- We do not give personal advice, and nothing on this site is a recommendation that you buy, sell, or hold any product or follow any strategy.
- We do not endorse or recommend any particular advisor, agent, firm, or product.
Our content is general information. It does not take your own finances, taxes, health, or goals into account. Always talk with a qualified professional you choose about your own situation before making a financial decision.
3. Financial Professionals Who Share Our Content
Financial advisors, insurance agents, and other professionals may license our content, or share our articles and guides with you as part of their own relationship with you or their own marketing. We know this happens, and we want to be clear about what it means.
A professional who gives you our content is independent of Retirement Education Network. They are not our employees, agents, or representatives, and we do not supervise, review, or approve their advice, their products, their recommendations, or their marketing. That professional alone is responsible for:
- Any advice or recommendation they give you
- Any product or service they offer or sell you
- How they use, present, or describe our content, including any change to it or any use of it out of context
- Following the laws, regulations, and licensing rules that apply to them
Receiving our content from a professional does not mean we recommend, endorse, or have evaluated that professional or anything they offer. Any agreement, purchase, or relationship you enter into with them is solely between you and them. We are not a party to it and are not responsible for it. We may receive compensation from financial professionals, including for licensing our content.
If you ask us to schedule an appointment with a financial professional, the same applies. That professional is independent of us, we do not evaluate whether their advice or products are right for you, and we may be compensated for arranging the appointment. We only share your information with a professional when you ask us to. See our Privacy Policy for details.
4. Using This Site
You agree to use this site only for lawful purposes and only for your own personal use. You agree not to:
- Copy, resell, or republish any part of this site without our written permission
- Use bots, scrapers, or other automated tools to access the site
- Interfere with the site’s security or operation
- Impersonate another person or submit false information through our forms
5. Text Message (SMS) Program
a. Consent. When you provide your mobile phone number through one of our forms and check the consent box, you agree to receive emails, phone calls, and text messages from Retirement Education Network (Walker Thomas LLC), including through automated technology and prerecorded or artificial voice messages. These messages may include delivery of the guides you request, related educational content, and, if you ask us to schedule an appointment, scheduling messages and reminders.
b. Consent is optional. Agreeing to receive calls or texts is not a condition of any purchase.
c. Message frequency. Message frequency varies based on your activity and requests.
d. Cost. Message and data rates may apply. Any charges are billed by your mobile carrier, not by us.
e. Opting out. You can stop receiving texts at any time by replying STOP to any message. After you reply STOP, we will send one final message confirming you have been opted out.
f. Help. Reply HELP to any message for assistance, or contact us at the email address below.
g. Your consent stays with us. Your phone number and your SMS consent are not shared with or sold to third parties or affiliates for their marketing purposes. See our Privacy Policy for full details.
h. Carriers. Mobile carriers are not liable for delayed or undelivered messages.
6. Email Communications
By submitting your email address, you agree to receive emails from us related to your request and our services. You can unsubscribe at any time using the link at the bottom of any marketing email.
7. Our Content
The content on this site, including text, graphics, logos, and downloads, belongs to Walker Thomas LLC or its content providers and is protected by copyright and other intellectual property laws. You may view and print pages for your own personal use, but you may not reuse our content for any other purpose without written permission.
8. Links to Other Websites
This site may link to websites run by others. We do not control those sites and are not responsible for their content, accuracy, or privacy practices. Visiting any third-party site is at your own risk and subject to that site’s own terms and privacy policy.
9. Disclaimer of Warranties
This site and its content are provided “as is” and “as available.” To the fullest extent allowed by law, we make no warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not promise that the site will always be available, secure, or error-free.
10. Limitation of Liability
To the fullest extent allowed by law, Walker Thomas LLC and its members, managers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this site or its content, any decision you make based on our content, or any advice, product, or service you receive from a financial professional, even if we have been told such damages are possible. Where liability cannot be fully excluded, our total liability is limited to the amount you paid us, if anything, in the twelve months before the claim arose. Some states do not allow certain limitations, so some of these limits may not apply to you.
11. Indemnification
You agree to defend and hold harmless Walker Thomas LLC and its members, managers, employees, and agents from any claims, damages, or expenses (including reasonable attorney fees) that arise from your misuse of this site or your violation of these terms.
12. Changes to These Terms
We may update these Terms and Conditions from time to time. The current version, with its effective date, will always be posted on this page. Your continued use of the site after changes are posted means you accept the updated terms.
13. Governing Law and Disputes
These terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law rules. Any dispute that cannot be resolved informally will be brought in the state or federal courts located in the City of Norfolk, Virginia, and you consent to jurisdiction and venue there.
14. Severability
If any part of these terms is found to be invalid or unenforceable, the rest of the terms remain in full effect.
15. Contact Us
Walker Thomas LLC
Retirement Education Network
700 Raleigh Ave
Norfolk, VA 23507
Email: support@retirementeducationnetwork.com
Phone: (908) 317-3392