Terms of Service for Redefine Your Retirement™

Effective Date: June 1, 2025
Last Updated: January 2, 2026

Welcome to Redefine Your Retirement™ (“we,” “our,” or “us”). These Terms of Service explain the rules and expectations for using our website, tools, calculators, content, and services.

Redefine Your Retirement™ is an educational platform focused on retirement planning literacy. By accessing or using our website or services, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the site.

You must be at least 18 years old to use our website and services. By using the site, you confirm that you meet this requirement and that you are legally able to enter into these Terms.

Redefine Your Retirement™ offers educational content designed to help individuals better understand retirement planning concepts and tradeoffs. Our services include written content, calculators, worksheets, tools, and educational resources, including the PROS+ (Personal Retirement Outlook Simulator Plus) calculator.

All tools and content are intended to help you explore scenarios and understand how different decisions may affect retirement outcomes. They are designed to support learning and informed thinking—not to tell you what to do.

Everything on this website is provided for educational and informational purposes only.

Redefine Your Retirement™ does not provide financial advice, investment advice, tax advice, legal advice, or insurance advice. We do not recommend specific products, investments, or strategies.

Using our tools or content does not create a financial advisor-client relationship, attorney-client relationship, or any other professional relationship. We are not acting as your advisor.

Before making financial, legal, tax, or investment decisions, you should consult qualified professionals who understand your personal situation.

We make no guarantees about outcomes. Any projections, estimates, or scenarios shown by our tools are hypothetical and based on assumptions you provide. Real-world results will vary.

You agree to use our website and services lawfully and respectfully. You may not use the site in a way that interferes with its operation, violates laws, infringes on the rights of others, or attempts to gain unauthorized access to systems or data.

If you provide information to us—such as through a contact form or calculator—you are responsible for ensuring that the information is accurate to the best of your knowledge.

If you create an account (where applicable), you are responsible for keeping your login credentials secure and for all activity that occurs under your account.

All content on this website—including text, tools, calculators, designs, branding, graphics, software, and the PROS+ methodology—is owned by or licensed to Redefine Your Retirement™ and is protected by intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes only.

You may not copy, reproduce, modify, distribute, sell, or create derivative works from our content without written permission. You may not use our content or tools in a commercial product, course, or service without authorization.

Any content you voluntarily submit to us (such as questions or feedback) remains yours, but you grant us permission to use it in connection with operating and improving our services.

Our website may include links to third-party websites or services for convenience or additional context. We do not control those sites and are not responsible for their content, availability, or privacy practices. If we integrate third-party tools, your use of those tools is subject to the provider’s own terms and policies.

We provide our services on an “as is” and “as available” basis. We may update, modify, suspend, or discontinue any part of the website at any time without notice.

While we strive for accuracy and reliability, we do not guarantee that content will always be complete, current, error-free, or uninterrupted.

To the maximum extent permitted by law, Redefine Your Retirement™ is not liable for any direct or indirect losses arising from your use of the website or reliance on its content.

This includes, but is not limited to, financial losses, lost opportunities, data loss, business interruption, or damages resulting from errors, omissions, projections, or technical issues.

If liability is found despite these limitations, our total liability will not exceed $100 or the amount you paid us in the prior 12 months, whichever is less.

You agree to hold harmless and indemnify Redefine Your Retirement™, its owners, employees, and affiliates from claims or losses arising from your use of the site, violation of these Terms, or misuse of content.

We reserve the right to suspend or terminate access to the website or services at any time if these Terms are violated or if continued use would be harmful to the site or other users.

Termination does not affect provisions that should reasonably survive, such as intellectual property rights, disclaimers, and limitations of liability.

These Terms are governed by the laws of the District of Columbia and applicable U.S. federal law. If a dispute arises, we encourage you to contact us first to seek an informal resolution. If legal action is necessary, disputes will be resolved in the courts located in the District of Columbia.

We may update these Terms from time to time. When we do, we will update the “Last Updated” date at the top of this page.

Your continued use of the website after changes are posted means you accept the updated Terms.

If you have questions about these Terms of Service, please contact us at:

Email: info@redefinedretirement.org
Subject Line: Terms of Service Inquiry

By using this website or our services, you acknowledge that you have read, understood, and agreed to these Terms of Service and our Privacy Policy.