Terms of Use

If you do not agree to these Terms of Use, discontinue using this website immediately.

By accessing or using https://retirementinstitute.org/, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree, you should not use this website.

Restrictions on Use of Materials

All materials on this website, including but not limited to text, graphics, logos, images, videos, downloadable resources, databases, HTML code, and other intellectual property, are protected by United States and international copyright, trademark, and other applicable laws.

Except as expressly permitted, no material from this website may be copied, reproduced, modified, republished, uploaded, posted, transmitted, distributed, translated, reverse engineered, hosted, or otherwise used without the prior written permission of The Retirement Institute.

Any trademarks, service marks, logos, or trade names displayed on this website are the property of The Retirement Institute or their respective owners and may not be used without permission.

Database Ownership, License, and Use

The Retirement Institute owns or licenses the databases, educational resources, directories, and collections of information made available through https://retirementinstitute.org/.

You are granted a limited, non-exclusive, non-transferable license to access and use the information available on this website solely for your personal, non-commercial use or for the internal business purposes of your organization. You may not sell, license, republish, redistribute, reproduce, compile, create derivative databases from, or otherwise exploit any portion of the website's content or databases.

You may occasionally download or print individual pages for your own personal reference or confidential internal business use, provided that all copyright and proprietary notices remain intact. Nothing in these Terms authorizes you to create or distribute any database, directory, publication, or collection derived from this website.

Educational Purpose

The Retirement Institute is a 501(c)(3) nonprofit educational organization dedicated to providing retirement education.

Visits with member advisors are educational in nature and are not, and should not be construed as, legal, tax, accounting, or investment advice. Member advisors are independent and are solely responsible for the services they provide.

Any potential tax or financial outcomes discussed depend on your individual circumstances and may vary. You should consult your own qualified legal, tax, accounting, or financial professional before making any decisions. Requesting a visit with a member advisor places you under no obligation.

Disclaimer of Warranties

The materials on this website are provided "as is" and "as available" without warranties of any kind, either express or implied.

To the fullest extent permitted by law, The Retirement Institute disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

The Retirement Institute does not warrant that:

* The website will operate uninterrupted or error-free;
* Defects will be corrected;
* The website or its servers are free of viruses or other harmful components; or
* The information contained on the website is accurate, complete, reliable, or current.

Limitation of Liability

To the fullest extent permitted by applicable law, The Retirement Institute shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to your use of, or inability to use, this website or its content, even if advised of the possibility of such damages.

Where applicable law does not permit certain limitations, liability shall be limited to the greatest extent permitted by law. In no event shall The Retirement Institute's total liability exceed the amount, if any, paid by you to access this website.

Accuracy of Information

The information on this website is believed to be accurate when published but may be updated, modified, or removed at any time without notice.

All information is provided for general educational purposes only and should not be relied upon as legal, tax, accounting, investment, or financial advice. Information may not be complete or applicable to your individual circumstances.

Third-Party Links

This website may contain links to third-party websites for your convenience. The Retirement Institute does not control or endorse those websites and is not responsible for their content, privacy practices, or availability. Accessing third-party websites is done entirely at your own risk.

References to third-party products, services, organizations, or publications do not constitute an endorsement unless expressly stated.

User Accounts and Passwords

If portions of this website require login credentials, you are responsible for maintaining the confidentiality of your username and password and for all activity occurring under your account. You agree to notify The Retirement Institute immediately of any unauthorized use of your account.

Dispute Resolution

If a dispute arises relating to these Terms of Use, the parties agree to first attempt to resolve the dispute through mediation in Denver, Colorado, with the costs of mediation shared equally, excluding attorney's fees.

If mediation is unsuccessful, the dispute shall be resolved through binding arbitration in Denver, Colorado, under the rules of the American Arbitration Association. Judgment upon the arbitration award may be entered in any court having jurisdiction.

Severability

If any provision of these Terms of Use is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Termination

These Terms of Use remain effective until terminated by either you or The Retirement Institute.

You may terminate your use of this website at any time by discontinuing use and destroying any downloaded materials obtained from the website.

The Retirement Institute reserves the right to terminate or restrict your access to the website immediately, without notice, if you violate these Terms of Use or applicable law.

© 2026 The Retirement Institute. All rights reserved.

The Retirement Institute is an independent 501(c)(3) nonprofit organization dedicated to educating and empowering individuals to make informed retirement decisions. Through educational programs, resources, and community outreach, The Retirement Institute helps retirees and pre-retirees navigate the complexities of retirement planning.