Effective Date: June 1, 2025
Last Updated: June 1, 2025
Welcome to Redefined Retirement© © a subsidiary of Elara Management© These Terms of Service ("Terms") govern your use of our website, services, tools, and content. By accessing or using our services, you agree to be bound by these Terms.
PLEASE READ THESE TERMS CAREFULLY. BY USING OUR SERVICES, YOU ACCEPT THESE TERMS IN FULL.
1. ACCEPTANCE OF TERMS
1.1 Agreement
By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
1.2 Eligibility
You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement.
1.3 Modifications
We reserve the right to modify these Terms at any time. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.
2. DESCRIPTION OF SERVICES
2.1 Educational Content
Redefined Retirement© provides educational content, tools, calculators, and resources related to retirement planning, financial literacy, and personal finance topics.
2.2 PROS+ Tools
Our proprietary PROS+ methodology and associated tools are designed for educational purposes to help users explore retirement planning concepts and strategies.
2.3 Content Types
Our services may include:
• Blog articles and educational content
• Calculators and planning tools
• Worksheets and templates
• Webinars and educational presentations
• Email newsletters and communications
3. DISCLAIMER OF FINANCIAL ADVICE
3.1 Educational Purpose Only
IMPORTANT: All content, tools, calculators, and materials provided by Redefined Retirement© are for informational and educational purposes only. Nothing on our website or in our services constitutes:
• Financial advice or recommendations
• Investment advice or recommendations
• Legal advice or recommendations
• Tax advice or recommendations
• Insurance advice or recommendations
3.2 No Professional Relationship
Use of our services does not create a financial advisor-client, attorney-client, or any other professional relationship. We are not licensed financial advisors, investment advisors, attorneys, tax professionals, or insurance agents.
3.3 Consult Qualified Professionals
Before making any financial, investment, legal, or tax decisions, you should consult with qualified professionals who can provide personalized advice based on your specific circumstances.
3.4 No Guarantees
We make no representations or warranties about the accuracy, completeness, or suitability of any information provided. We do not guarantee any specific financial outcomes or results.
4. USER RESPONSIBILITIES AND CONDUCT
4.1 Acceptable Use
You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:
• Violate any applicable laws or regulations
• Infringe on the rights of others
• Transmit harmful, threatening, or inappropriate content
• Attempt to gain unauthorized access to our systems
• Use our services for any commercial purpose without permission
• Interfere with the operation of our website or services
4.2 Account Security
If you create an account, you are responsible for:
• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
4.3 Information Accuracy
You are responsible for ensuring that any information you provide to us is accurate, current, and complete.
5. INTELLECTUAL PROPERTY RIGHTS
5.1 Our Content
All content, materials, tools, and intellectual property on our website are owned by or licensed to Redefined Retirement©, including:
• PROS+ methodology and tools
• "Retire Not Expire" branding and concepts
• Blog articles and educational content
• Calculators and interactive tools
• Graphics, logos, and design elements
• Software and website code
5.2 Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes only.
5.3 Restrictions
You may not:
• Copy, modify, distribute, or create derivative works
• Reverse engineer or attempt to extract source code
• Remove copyright or proprietary notices
• Use our content for commercial purposes without permission
• Claim ownership of our intellectual property
5.4 User Content
Any content you submit or upload remains your property, but you grant us a license to use it in connection with our services.
6. LIMITATION OF LIABILITY
6.1 Disclaimer of Warranties
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
6.2 Limitation of Damages
TO THE MAXIMUM EXTENT PERMITTED BY LAW, REDEFINED RETIREMENT© SHALL NOT BE LIABLE FOR:
• Any financial losses or damages resulting from use of our services
• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Errors, inaccuracies, or omissions in content
• Service interruptions or technical issues
• Actions of third parties
6.3 Maximum Liability
Our total liability for any claims arising from your use of our services shall not exceed $100 or the amount you paid us in the 12 months preceding the claim, whichever is less.
7. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Redefined Retirement©, its officers, directors, employees, and agents from any claims, damages, costs, or expenses arising from:
• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or share
8. THIRD-PARTY SERVICES AND LINKS
8.1 Third-Party Links
Our website may contain links to third-party websites, services, or resources. We are not responsible for:
• The content or privacy practices of third-party sites
• The availability or functionality of external links
• Any damages or losses from your use of third-party services
8.2 Third-Party Tools
We may integrate third-party tools or services. Your use of such tools is subject to their respective terms and conditions.
9. PRIVACY AND DATA PROTECTION
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
10. TERMINATION
10.1 Our Right to Terminate
We reserve the right to terminate or suspend your access to our services at any time, with or without cause, including for violations of these Terms.
10.2 Effect of Termination
Upon termination:
• Your right to use our services immediately ceases
• We may delete your account and associated data
• Provisions of these Terms that should survive will remain in effect
11. DISPUTE RESOLUTION
11.1 Governing Law
These Terms are governed by the laws of the District of Columbia and applicable federal laws of the United States, without regard to conflict of law principles.
11.2 Jurisdiction
Any disputes arising from these Terms or your use of our services shall be resolved in the courts of the District of Columbia.
11.3 Informal Resolution
Before pursuing formal legal action, we encourage you to contact us to seek an informal resolution of any disputes.
12. GENERAL PROVISIONS
12.1 Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Redefined Retirement© regarding our services.
12.2 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
12.3 Waiver
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.
12.4 Assignment
You may not assign your rights under these Terms without our written consent. We may assign our rights without restriction.
12.5 Survival
Provisions that by their nature should survive termination will survive, including intellectual property rights, limitation of liability, and dispute resolution provisions.
13. CONTACT INFORMATION
For questions about these Terms of Service, please contact us at:
Email: info@redefinedretirement.org
Subject Line: Terms of Service Inquiry
14. ACKNOWLEDGMENT
By using our services, you acknowledge that you have read these Terms of Service and our Privacy Policy, understand their content, and agree to be bound by their provisions.
Last Updated: June 1, 2025