Disclaimer, Terms and Conditions of Use

By accessing, browsing or using this website, you signify your assent to this Disclaimer as well as Terms and Conditions. If you do not agree to all of these Terms and Conditions of use, do not use this website.

RetireGuide.com is an informational resource that aspires to educate the public about retirement topics such as Medicare, annuities, life insurance and retirement planning. The website itself is owned by RetireGuide LLC, a for-profit company. Your use of this website is governed by these Terms and Conditions and is an agreement with both RetireGuide.com and RetireGuide LLC.

RetireGuide.com is not responsible for any third-party content that may be accessed through this website. Further, RetireGuide.com does not endorse any of the companies or opinions listed in or linked to or from the website. RetireGuide.com does not accept or host any online advertising.

This page spells out the disclaimers for RetireGuide.com and the terms and conditions for use of the website.

Website Contents, Ownership and Use Restrictions

The information contained in this website, including all images, illustrations, designs, photographs, video clips, writings and other materials (collectively referred to as “Content”) that appear herein are copyrights, trademarks, trade dress or other intellectual property owned, controlled or licensed by RetireGuide LLC. The name RetireGuide.com, as well as its logos, are registered marks of RetireGuide.com and its owner and may not be used in any way, including in advertising or publicity, without our prior written permission.

You may print a copy of the information contained herein for your personal use only, but you may not copy, reproduce, distribute, republish, download, display, post electronically or mechanically, transmit, record, in any manner mirror, photocopy or reproduce the same without the prior written permission of RetireGuide.com or the applicable copyright owner.

Disclaimer of Warranty

RETIREGUIDE.COM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. RETIREGUIDE.COM DISCLAIMS ALL RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF OR IN ANY WAY RELATED TO (A) ANY ERRORS IN OR OMISSIONS FROM OUR SITE AND ITS CONTENT, INCLUDING BUT NOT LIMITED TO TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS; (B) ANY THIRD-PARTY WEBSITES OR CONTENT ON THOSE SITES DIRECTLY OR INDIRECTLY ACCESSED THROUGH LINKS ON OUR SITE, INCLUDING BUT NOT LIMITED TO ANY ERRORS IN OR OMISSIONS THEREFROM; (C) THE UNAVAILABILITY OF OUR SITE OR ANY PORTION OF IT; (D), THE USER’S USE OF OUR SITE; OR (E) THE USER’S USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH OUR SITE.

Important Notice

The information published at this web site is educational in nature and is not intended to be a recommendation to purchase any specific insurance policy, annuity or financial product. You are strongly urged to consult with financial planning, tax, and legal advisors to determine your retirement needs.

Limitation of Liability

You will indemnify and hold harmless RetireGuide LLC and its subsidiaries, affiliates, officers, directors, owners, shareholders, employees, agents, printers, contractors, vendors, co-branders, suppliers, internet service providers, and partners from any loss, cost, claim, demand or other harm of any kind, including reasonable attorneys’ fees, due to or arising out of your unauthorized use of this website or any violation by you of any laws or your violation of any rights of another person.

IN NO EVENT SHALL RETIREGUIDE.COM BE LIABLE FOR SPECIAL, INDIRECT, EXEMPLARY, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO, LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTIONS, ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING, OR DISPLAY OF THE CONTENTS OF THIS SITE.

RetireGuide.com, which for the purposes of limitations of liability includes its affiliates, listees and any officer, director, employee, subcontractor, agent, successor or assignee of RetireGuide.com, its affiliates and its listees, shall not be liable for any direct, indirect, incidental, special or consequential damages of any kind pertaining to your use of this website, regardless of any negligence of RetireGuide.com. That includes, without limitation, attorneys’ fees and lost profits or savings in any way because of, resulting from or arising in connection with RetireGuide.com.

Any information provided through this website or through links to other websites are provided for educational and general informational purposes only and should not be construed as legal advice nor substituted for legal advice provided by a competent attorney.

RetireGuide.com is not and shall not be liable for any claim, loss, cost or liability that arises out of, or relates to a user’s use of links provided by RetireGuide.com to other websites. A user of RetireGuide.com assumes total responsibility for any damages that may result from the use of any links, including damages which may result from viruses or computer problems associated with such links or repair and replacement of computers or server information, and for any time lost as the result of such damages.

Consent to Contact

By providing your name and contact information you are consenting to receive calls, text messages and/or emails from a licensed insurance agent about Medicare Plans or annuity products at the number provided, and you agree such calls and/or text messages may use an auto-dialer or robocall, even if you are on a government do-not-call registry. This agreement is not a condition of enrollment.

Laws in Case of Dispute

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Florida as they apply to agreements made and solely performed therein. Disputes between users of our site and RetireGuide.com shall be subject to the jurisdiction of the State of Florida and U.S. federal courts therein.

User Comments, Feedback and Other Information Submissions Provided By You

You agree that any comments, feedback or other information that you transmit to RetireGuide.com about this website (“Transmissions”) shall be and remain RetireGuide.com/RetireGuide, LLC’s property. All Transmissions will be treated as non-confidential and non-proprietary and RetireGuide.com shall be under no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose and distribute the Transmissions to others without limitation. Additionally, RetireGuide.com shall be free to use any ideas, concepts, know-how or techniques contained in such information for any purpose whatsoever including, but not limited to, developing, manufacturing or marketing products incorporating such information.

In addition, you agree, and are hereby put on notice, that you are prohibited from posting or transmitting to or from this website any unlawful, threatening, libelous, defamatory, inflammatory, pornographic or profane material or any other material that could give rise to any civil or criminal liability under law. You are solely responsible for the content of any comments you make.

Links to Third-Party Sites

Links to third party content or sites are provided for your convenience and information only. The content of any linked third-party site is not under our control, and we are not responsible for it.

We reserve the right to terminate a link to a third-party site at any time. The fact that we provide a link to a third-party site does not necessarily mean that we endorse, authorize or sponsor that site, nor that we are affiliated with the third-party site’s owners or sponsors.

Product Guarantees and Surrender Charges

Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Annuities are not guaranteed by any bank or credit union and are not insured by the FDIC or any other federal government agency. Surrender charges may apply to withdrawals during the surrender period. A 10% IRS penalty may apply to withdrawals prior to age 59 ½. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

Rates Are Subject to Change

Rates which may be provided online, by fax, mail, email or phone are estimates and are generally reflective of the best rates available for various annuity products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies quoted. Final rates and contractual provisions will always be specified in the issued contract/policy.

All Products, Programs and Services May Not Be Available in Your Area

This website is controlled by us from our offices within the United States. If you choose to access this website from other jurisdictions, you do so at your own risk as you are always responsible for your compliance with applicable laws. You may not use or export the materials on this website.

RetireGuide.com is not authorized or licensed to do business in every jurisdiction. As such, the Services published on this website may not be available in your state or country. Also, these Services are only available to individuals age 18 or older and residents of the United States. At our sole discretion, we may refuse any or all of our Services to anyone at any time.

Notice and Takedown Procedures and Copyright Agent

If you believe any materials accessible on or from this website infringe your copyright, you may request removal of those materials (or access thereto) from this website by contacting RetireGuide.com copyright agent (identified below) and providing the following information:

RetireGuide.com’s agent for copyright issues relating to this website is as follows:

webmaster@RetireGuide.com

Changes to Terms and Conditions

We reserve the right to change the Terms and Conditions of RetireGuide.com at any time and without notice. Users should review this page on a regular basis for any changes. Use of this website following any changes constitutes a user’s acceptance of changes.

Complete Agreement

Except as expressly provided in a particular “legal notice” on the RetireGuide.com website, these Terms and Conditions and the RetireGuide.com Privacy Policy constitute the entire agreement between you and RetireGuide LLC with respect to the use of the RetireGuide.com website and content.

Contact Us

If you have any questions regarding any information found on this website, you can contact us at webmaster@RetireGuide.com.