Acceptance of These Terms

These Terms of Use govern your access to and use of the Retirement Information Class website. By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and applicable laws and regulations.

If you do not agree with these Terms of Use, please do not use this website.

No Advisory or Professional Relationship

Your use of this website, attendance at an educational class, viewing of website materials, submission of a website form, or communication with Retirement Information Class does not, by itself, create an investment advisory, financial planning, insurance, accounting, legal, fiduciary, or other professional relationship.

Any decision regarding retirement assets, investments, insurance products, taxes, Social Security claiming strategies, estate planning, or other financial matters should be evaluated based on your individual circumstances and, where appropriate, with qualified professionals.

Accuracy and Timeliness of Information

Retirement-related laws, regulations, tax rules, Social Security provisions, financial products, market conditions, and other information can change over time. We make reasonable efforts to provide useful educational information, but we do not represent or warrant that all website content is complete, current, error-free, or appropriate for every individual.

You are responsible for verifying information that may affect financial, tax, legal, insurance, or retirement decisions.

No Guarantee of Results

Retirement Information Class does not guarantee any particular financial result, investment performance, retirement income, Social Security benefit amount, tax outcome, insurance result, or other financial outcome.

Any examples, illustrations, hypothetical scenarios, educational strategies, or historical information presented on this website are provided for educational purposes and should not be interpreted as a promise or guarantee of future results.

Permitted Use of the Website

You may use this website only for lawful, personal, informational, and educational purposes.

You agree that you will not:

• Attempt to gain unauthorized access to the website, servers, databases, networks, or related systems
• Interfere with or disrupt the operation, performance, availability, or security of the website
• Introduce viruses, malware, malicious code, automated attacks, or other harmful technologies
• Use automated systems, scraping tools, bots, or similar methods to improperly access or extract website content
• Misrepresent your identity or submit knowingly false, deceptive, or fraudulent information
• Use the website for unlawful, abusive, fraudulent, defamatory, or harmful purposes
• Attempt to bypass or defeat website security measures

Intellectual Property

Unless otherwise indicated, content appearing on this website, including text, educational materials, graphics, logos, design, page layouts, photographs, videos, downloadable materials, and other content, is owned by, licensed to, or used with permission by Retirement Information Class and may be protected by copyright, trademark, and other intellectual property laws.

You may view and use website content for personal, non-commercial educational purposes. You may not reproduce, republish, modify, distribute, sell, publicly display, commercially exploit, or create derivative works from website content without appropriate authorization, except as otherwise permitted by law.

Third-Party Websites and Services

This website may contain links to or integrations with third-party websites, applications, videos, social media platforms, scheduling services, maps, educational resources, financial information sources, or other external services.

Retirement Information Class does not control independent third-party websites or services and is not responsible for their content, availability, accuracy, privacy practices, security, policies, or terms. Access to third-party services is at your own discretion and subject to the terms established by those providers.

Website Forms and Communications

You may have the opportunity to submit information through contact forms, registration forms, appointment requests, or other website features. You agree to provide accurate information and to use these features only for legitimate purposes.

Please do not transmit Social Security numbers, account passwords, financial account numbers, medical information, or other highly sensitive information through standard website forms or unsecured email.

Website Security

We use reasonable measures designed to support the security and operation of this website. However, no internet service, electronic communication, website, or digital storage system is completely secure or free from interruption.

You use this website and transmit information electronically at your own risk.

Disclaimer of Warranties

To the fullest extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis. Retirement Information Class makes no representations or warranties regarding the availability, completeness, accuracy, reliability, suitability, or operation of the website or its content.

To the extent permitted by law, we disclaim warranties, representations, and conditions, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Limitation of Liability

To the fullest extent permitted by applicable law, Retirement Information Class and its owners, employees, representatives, affiliates, service providers, and related parties will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to your access to, use of, inability to use, or reliance on this website or its content.

This includes, without limitation, losses arising from reliance on educational information, service interruptions, technical issues, third-party content, data loss, or decisions made based on information appearing on the website.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Retirement Information Class and its related parties from claims, liabilities, losses, damages, costs, or expenses arising from your misuse of the website, violation of these Terms of Use, or violation of the rights of another person or entity.

Privacy

Your use of this website is also subject to our Privacy Policy , which describes how information may be collected, used, and handled through the website.

Accessibility

Retirement Information Class is committed to improving the usability and accessibility of its website. Information about our accessibility efforts and how to request assistance is available in our Accessibility Statement .

Changes to These Terms

Retirement Information Class may revise these Terms of Use periodically to reflect changes in website content, technology, business practices, applicable requirements, or other circumstances.

The “Last Updated” date displayed above identifies the most recent version. Your continued use of the website following an update constitutes acceptance of the revised Terms of Use.

Governing Law

To the extent permitted by applicable law, these Terms of Use and disputes relating to this website will be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict-of-law principles.

Severability

If any provision of these Terms of Use is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

Questions About These Terms

If you have questions regarding these Terms of Use, please contact Retirement Information Class using the information below.