Disclaimer

retiringworks.com (“company”, “I”, “we” or “us”) provides general educational information and entertainment on topics relating to retirement planning, personal finance and related matters. This is provided as a public service and should not be construed as professional, financial, real-estate, tax, lifestyle, or marketing advice. These are my personal opinions only.

The term “you” refers to anyone who uses, visits and/or views the website.

Please read this Disclaimer carefully; We reserve the right to modify it at any time without notice. By visiting and using this website, you accept and agree to be bound by this Disclaimer along with our Terms and Conditions and Privacy Policy. Your continued use of our website, programs, products and/or services constitutes your acceptance of future changes and updates to this Disclaimer. You must not access or use our website if you do not wish to be bound by this disclaimer.

General disclaimer

All content and information on this website including our programs, products and/or services is for informational and educational purposes only, does not constitute professional advice of any kind and does not establish any kind of professional-client relationship by your use of this website.

Although we strive to provide accurate general information, the information presented here is not a substitute for any kind of professional advice, and you should not rely solely on this information. We are not liable for any losses suffered by any parties.

Neither retiringworks.com nor its members, authors, owners, or those otherwise affiliated with retiringworks.com make any representations as to the validity, accuracy, completeness, or suitability of any claims made either on this blog or by these individuals.  Neither retiringworks.com nor its members, authors, owners, or those otherwise affiliated with retiringworks.com assume any liability with regard to financial results, legal results, or tax consequences based on the use of the information provided here.  Advertisers, commenters, and linked sites are solely responsible for their views and content, which do not necessarily represent the views of retiringworks.com or its members, authors, owners, or those otherwise affiliated with retiringworks.com.

Always consult a professional in the area for your particular needs and circumstances prior to making any professional, legal, financial or tax related decisions.

Affiliate / third-party links disclosure and disclaimer

‍We may partner with other businesses or become part of different affiliate marketing programs whose products or services may be promoted or advertised on the website in exchange for commissions and/or financial rewards when you click and/or purchase those products or services through our affiliate links. We will receive a commission if you make a purchase through our affiliate link at no extra cost to you.

Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third-party offers

We may also recommend other products, services, coaches and consultants but no such reference is intended to be an endorsement or statement that such information provided is accurate. We recommend these based on information provided or our personal experiences, but it is still your responsibility to conduct your own due diligence to ensure you have obtained complete accurate information about such product, services, coaches and consultants.

These affiliate or third party relationships in no way compromise the integrity of the content, information, services and materials being presented to you here, and you are under no obligation to click on these affiliate links to purchase those products or services being offered.

Although we provide these affiliate links on the website for your convenience, we have no control over these external websites and they are solely responsible for their own content and information presented. Therefore, retiringworks.com and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us cannot be held liable or responsible for any content presented on these external websites and for any damages resulting from them.

This disclosure policy applies to all affiliate links we share on our website, social media, emails, programs, products such as courses, ebooks, services and any other means of communication with you

Fair use disclaimer

‍This website reviews products and/or services, including but not limited to posting of product images from other websites, logos of manufacturers, or photography related to the product/service we are reviewing. In doing so, no copyright is claimed for this kind of content on the website and to the extent that such material may appear to be infringed, we assert that such alleged infringement is permissible under the fair use principles of the U.K. and U.S. copyright laws. If you believe any material has been used in an unauthorized manner, please contact us.

No warranties

‍All content, information, products and/or services on the website are “as is” and “as available” basis without any representations or warranties of any kind including the warranties of merchantability or fitness for any purpose, express or implied to the full extent permissible by law. retiringworks.com makes no representations or warranties as to the content, information, materials, products and/or services provided on this website. retiringworks.com makes no warranties that the website will perform or operate to meet your requirements or that the information presented here will be complete, current or error-free. retiringworks.com disclaims all warranties, implied and express for any purpose to the full extent permitted by law.

Limitation of liability

‍You agree that under no circumstances, we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall be liable for any direct, indirect, incidental, consequential, equitable, special, punitive, exemplary or any other damages resulting from your use of this website including but not limited to all the content, information, products, services and graphics presented here.

You expressly agree that your use of the website is at your sole risk and that you are solely responsible for the accuracy of the personal and any information you provide, outcome of your actions, personal and business results, and for all other use in connection with the website. You also expressly agree that we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall not be liable to you for any damages resulting from 1) any errors or omissions on the website, delay or denial of any products or services, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures; 2) any loss of income, use, data, revenue, profits, business or any goodwill related to the website; 3) any theft or unauthorized access by third party of your information from the website regardless of our negligence; and 4) any use or misuse of the information, products and/or services offered here.

This limitation of liability shall apply whether such liability arises from negligence, breach of contract, tort or any other legal theory of liability. You agree that we provide no express or implied guarantees to you for the content presented here, and you accept that no particular results are being promised to you here.

Indemnification

‍You agree to indemnify and hold retiringworks.com and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us harmless from all losses, claims, damages, demands, actions, suits, proceedings or judgments, including costs, expenses and reasonable attorneys’ fees (“Liabilities”) assessed against or otherwise incurred by you arising, in whole or in part, from: (a) actions or omissions, whether done negligently or otherwise, by you, your agents, directors, officers, employees or representatives; (b) all your actions and use of our websites including purchasing programs, products and services; (c) violation of any laws, rules, regulations or ordinances by you; or (d) violation of any terms and conditions of this website by you or anyone related to you; e) infringement by you or any other user of your account of any intellectual property or other rights of anyone.

retiringworks.com will notify you promptly of any such claims or liability and reserves the right to defend such claim, liability or damage at your expense. You shall fully cooperate and provide assistance to us if requested, without any cost, to defend any such claims.