RetireOnPurpose.com - Terms & Conditions of Service
Welcome to RetireOnPurpose.com! We trust you will enjoy being a part of our Purposeful online community! We provide free and paid financial, investment, alternative investment, estate and retirement education including subscription newsletters, eLearning, digital and live courses, sponsored and featured websites, a premium membership community. We don‚Äôt provide specific investment, tax, legal or financial advice. Always consult a qualified professional you know and trust. By using visiting this website, reading and consuming our news, information and all related educational Services, you're agreeing to all of these Terms and Conditions. If you don't wish to be agree and be legally bound by our terms and conditions of use, please don‚Äôt register with RetireOnPurpose.com, LLC ("RetireOnPurpose.com," Clifford Jones" "we" or "us") or use the Services we provide. We may change these terms at any time, but we will post a notice on the RetireOnPurpose.com website of any material changes. Your continued use of RetireOnPurpose.com and its Services means that you accept any new or modified terms and conditions. Please check back for updates.
Except as expressly provided in these Terms and Conditions, members may only maintain one active registration with RetireOnPurpose.com. In other words, it's one registration per person. Please do not use multiple accounts or aliases on our Services, including attempts to mislead, defraud, confuse or otherwise trick us or our members. Doing this is a breach of these Terms and Conditions.
If you subscribe to one of our Premium Services you will be asked to create a password, which you'll need to access the Service. Should you wish to post a message on the discussion boards or comment on an article or a blog, you'll also be required to choose a unique and secure Username.
As a registered user, you can update your account settings, including your email address, by going to the Members Only tab up top. The Members Only access enables you to change your password at any time. Also, if you forget either your password or Username, you can go to Support for help.
2. Premier Services
When subscribing to a Premier Service such as one of our eLearning courses, events and newsletters you will need to provide us with your name, email address, and billing and shipping addresses, as well as your credit card information. You certify that all information you provide is accurate. You also agree to maintain and update your information as necessary so that it remains accurate and current. In the event that any information you provide is inaccurate or not up-to-date, RetireOnPurpose.com reserves the right to cancel your subscription.
Your Service includes emails from the Service, which include timely updates for news, tips and upcoming digital and live events. If you are paying for a Premier Service you may not opt out from receiving emails from your Premier Service provider. You may always opt-out of our marketing emails on the settings page or by clicking the opt out link in any one of our emails.
Some of our Services may provide a free trial or introductory offer. If a free or introductory offer is provided, only one per household or email address is allowed at any given point in time. In addition, there is a limit of one trial per person and per email address in any given six-month period unless otherwise stated in the offer. Please respect this.
If you don't cancel your subscription within the trial or introductory offer period, we will charge the primary credit card you provided during the sign-up process. You agree to pay the applicable subscription fee as set forth on this site. RetireOnPurpose.com reserves the right to increase a Service's fees or institute new charges upon reasonable notice. Service fees are due in advance. You may cancel your membership at any time and receive a prorated refund of the amount you have paid by contacting Support.
From time to time, RetireOnPurpose.com offers its Premier Services through sponsors and third party vendors. These companies or financial professionals may or may not compensate RetireOnPurpose.com by paying us Sponsorship and advertising fees. In such cases, the vendor‚Äôs refund policy would apply and may differ from the RetireOnPurpose.com standard policy. In other words, it is your responsibility to make informed decisions with your finances and retirement planning. Work with professionals you know and trust. RetireOnPurpose.com accepts no liability for the financial transactions or decisions you make with Sponsors or Vendors.
Free memberships are free. We reserve the right to revoke your free or paid membership at any time. All paid memberships automatically renew each monthly, quarterly, annual or other subscription period based on what you originally signed up. You must notify us of your decision to terminate your membership. Accordingly, you agree that your membership fee or subscription will be billed automatically at the beginning of each renewal period at the then-current rate to the credit card you used in your most recent transaction with us. If you provided more than one card, the first card on file will be used. No transfer of membership is allowed. If you no longer wish to be a member please close your membership with us or contact Support.
Membership to any RetireOnPurpose.com Service is strictly for educational purposes and includes online and/or electronic access only. Certain promotions may offer features that are issued in physical form such as live educational events, workshops, masterminds, and retreats. Shipping of any goods or service associated with these promotions is limited to the US/APO. Physical fulfillment of goods or services not specifically mentioned in a promotion will be fulfilled at the sole discretion of RetireOnPurpose.com.
3. Intellectual Property
All of the Content on our websites and any Service we provide is protected by U.S. and international copyright laws and is the property of RetireOnPurpose.com and/or providers of the content under license. By "Content" we mean any information, mode of expression, or other materials and services found on RetireOnPurpose.com. This includes all web pages, blogs, ratings, podcasts, chats, software, everything we writing, graphics, videos, and any and all other features.
You may make curate and attribute our content for your personal, non-commercial use, provided that any material copied remains intact and includes the following notice: "Copyright 2016 RetireOnPurpose.com. All rights reserved." Any other copying, distribution, storing, or transmission of any kind, or any commercial use of our Content, is prohibited without The Fool's prior written permission. That means you may not sell, auction, transfer or barter your subscription or any individual publication.
You may not republish, post, transmit or distribute the Content to online bulletin and message boards, blogs, chat rooms, intranets or anywhere else without our permission. You further agree not to create abstracts from or scrape our Content, including detailed research or analysis, for use on another website or service (including our own personal forums and blogs). In short, you may not post our Content anywhere else online. Aside from opening yourself up to liability, distributing our premium Services, stock picks and performance data to other sites and forums is unfair to our members who pay good money to receive our Content. So please don't do it.
Please note that when you post any content to the RetireOnPurpose.com community you are granting us an unlimited license to use it. Please note that you are not in any way surrendering your copyright to your work. However, by posting content you agree that RetireOnPurpose.com has an irrevocable, perpetual and worldwide license to use republish, distribute, reproduce, display, communicate to the public, adapt, perform, store, translate, sublicense and promote anything you post on our websites. This includes the rights to syndicate and make derivative works (spin) out of your content. If you don't want us to use or republish your content, it‚Äôs easy to avoid any issue: please don't post your content on our website. We will reuse your content in context, and we'll credit you as author (unless we're using small quotations). We won't republish your posts in advertising without your permission.
Also, only upload or include materials you have the right to use when posting on our Services. That’s just common decency and respect for other people‚Äôs creative content.
You agree not to display any of RetireOnPurpose.com's trademarks or use them in any manner without our express written permission.
RetireOnPurpose.com believes in creating and sharing great educational content with our members. You, our members, help us make this community a great place to learn so members are empowered to make fully-informed decisions to create the retirement income and life of their dreams. Please conduct yourself in a lawful and civil manner when posting comments on our blog, web forms, communities, articles or anything you see that you may not like or disagree with at RetireOnPurpose.com. This means you agree to use RetireOnPurpose.com for lawful purposes only. You may not use or allow others to use RetireOnPurpose.com to:
Post or transmit any content that is disruptive, uncivil, abusive, vulgar, profane, obscene, hateful, fraudulent, threatening, harassing, defamatory, or which discloses private or personal matters concerning any person;
Post or transmit any material that you don't have the right to transmit under law (such as copyrights, trade secrets, or securities) or under contractual or fiduciary relationships (such as nondisclosure agreements);
Post, transmit, or link to sexually explicit material;
Impersonate any person, or falsely state or otherwise misrepresent your affiliation with a person or entity;
Post or transmit any advertising, promotional materials, or other forms of solicitation, including chain letters and pyramid schemes;
Violate any applicable law or regulation while accessing and using our sites, including, without limitation, the rules and regulations of the U.S. Securities and Exchange Commission and the national or other securities exchanges (especially and including the rule against making false or misleading statements to manipulate the price of any security);
Offer, sell, or buy any security; (Ever! This is a strict “no-no.”)Post or transmit any file that contains viruses, corrupted files, "Trojan Horses," or any other contaminating or destructive features that may damage someone's computer; (That’s just evil.)
Forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through our sites or to manipulate your presence on our sites;
Use any automated means, including without limitation, agents, robots, scripts, or spiders, to access, monitor, copy or harvest data from any part of our sites;
Take any action that imposes an unreasonably or disproportionately large load on our infrastructure or disrupts the functioning of our systems or Services; and
Take any action that damages or disrupts the functioning of our systems or Services.
Unauthorized access of our sites is a breach of these Terms and Conditions and a violation of the law. You agree not to access our sites by any means other than through the interfaces we provide for use in our accessing our sites.
RetireOnPurpose.com may at any time, without prior notice and at our sole discretion, remove any post, terminate any membership or take any action for violating the above provisions or otherwise taking an action disruptive to a Service. In the event of termination of a premium Service, you will receive a prorated refund. The free stuff stays free.
Do not share your password! Encourage your family and friends to set up their own account at RetireOnPurpose.com. You are solely responsible for statements made and actions taken through the use of your password, so please maintain the confidentiality of your password. You agree to immediately notify Support of any actual or suspected unauthorized use of your username and password. We will not be responsible for any loss to you arising from unauthorized use of your data.
Please notify us by emailing firstname.lastname@example.org if you see anything that you feel is a legitimate violation of our rules. This is a well-run community because everyone is respectful or our rules.
5. Disclaimer of Warranties and Liabilities
Please read RetireOnPurpose.com's Disclaimer page, which is incorporated herein by reference.
RetireOnPurpose.com provides a diverse range of news, education, research, information and commentary. Consequently, as a result of the diverse opinions of our staff, a RetireOnPurpose.com Sponsor, expert, member or contributor may, from time to time, take actions or issue recommendations with regard to specific financial, legal, tax or investment strategies that are different from those discussed, reviewed or written about on the website.
It is important to note that we are not investment advisors. We will not and cannot by law provide any personalized advice whatsoever. If you think you read or got specific advice directly from RetireOnPurpose.com, our staff or any subcontractor, this is not possible. We don’t provide it. We will never be able to know enough about you and your individual needs to be an adviser to you or anyone you who visits our website or signs up as a free or paid member. We cannot claim or represent that any particular sponsor-provided service may be suitable for you. Again, we strongly urge you to seek the advice of a qualified tax, legal or investment adviser.
Sponsors, also referred to as Affiliates, of RetireOnPurpose.com may provide individualized investment, tax, legal or other advice. They may also provide investment products. The staff and editorial personnel at RetireOnPurpose.com have no nonpublic knowledge of Sponsor recommendations, holdings, or transactions. Our commitment is to focus on providing you with great educational content. That‚Äôs it. If you seek specific financial, tax, legal products or services please pursue them at your own risk and discretion. We are always happy when you reach out to meet our Sponsors if you read or learn something about them and you want to know more.
RetireOnPurpose.com does not warrant the completeness or accuracy of the Content found in our Services or its usefulness for any particular purpose. RetireOnPurpose.com makes no promises that our content or any of the Services will be delivered to you on an uninterrupted, timely, secure, or error-free basis. We only promise that we will always do our best to provide interesting and helpful information, education, and entertainment.
Okay, let’s wrap this up. You agree that under no circumstances will RetireOnPurpose.com, its employees, or its agents be liable for direct, indirect, incidental or any other type of damages resulting from your use or downloading of any material on our sites, even if we have been advised of the possibility of such damages. This includes, but is no way limited to, loss or injury caused in whole or in part by our negligence or by stuff beyond our control in creating or delivering any of our Services.
We believe the best person to help you create the retirement life and income of your dreams is you! By your use of our Services, you're agreeing that you bear responsibility for your own retirement, financial, tax, legal or investment research and investment decisions. You also agree that RetireOnPurpose.com, its directors, its employees, and its agents will not be liable for any investment/financial decision made or action taken by you and others based on news, information, opinion, or any other material published through our Services. RetireOnPurpose.com relies on a wide variety of resources for information that we believe to be accurate and reliable. There are also literally hundreds of current and forthcoming contributors to this machine! We believe we can provide you with amazing educational content to help you create the retirement income and life of your dreams. But we can't and won't take responsibility for, or make any claims or representations about, the accuracy, completeness, or even the truth of every bit of data, information, and opinion provided through our Services. Okay, here it is in it’s final form: All information and content provided on or by RetireOnPurpose.com is to be used on an "as is, with all faults, we're not perfect" basis.
Lawyers Make Us Capitalize These Disclaimers of Liability:
NEITHER RetireOnPurpose.com NOR ANY OF OUR PARTNERS MAKES ANY WARRANTY THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL THAT YOU PURCHASE OR OBTAIN FROM THE USE OF OUR SERVICES WILL EVEN COME CLOSE TO MEETING YOUR WILDEST EXPECTATIONS OR THAT AND ANY ERRORS WILL BE IMMEDIATELY CORRECTED. NEITHER WE NOR ANY OF OUR PARTNERS, SPONSORS OR AFFILIATES MAKES ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO OUR WEBSITE AND RELATED DIGITAL ASSETS INCLUDING ANY CONTENT, ANY OF OUR SERVICES, TOOLS, PRODUCTS, OR PROPERTIES. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR SERVICES AND THE ACCURACY OR COMPLETENESS OF THEIR CONTENT.
SOME STATES DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THAT OF OUR THIRD-PARTY CONTENT PROVIDERS WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
6. Communication for Updates
Federal or state law may require that we notify you of certain events. You hereby acknowledge and fully agree that such notices will be effective upon our posting them on our websites or sending them to you via email which you also agree to read and understand. If you do not maintain with us accurate information, there is no way we can be held liable if we fail to notify you. You may request that we provide such notices to you in paper format by writing to General Counsel, RetireOnPurpose.com, LLC, 8300 North Hayden Road, Suite A207, Scottsdale, Arizona 85255.
7. The Kitchen Sink
If any provision in these Terms and Conditions is found to be invalid, unenforceable, or nonsensical, the remaining provisions will continue in full force and effect. This agreement is and always will be governed by the laws of the United States of America and the State of Arizona (except with respect to choice of law).You agree that the proper forum for any claim arising thereunder will be in Arizona.
Except as otherwise expressly stated in these Terms and Conditions, there are no third party beneficiaries to this agreement.
Please note that certain individual Services may have their own, or additional, terms and conditions. In the event of a conflict, the terms for the individual Service will control with respect to the Service in question. So please be sure to review any additional terms and conditions with respect to any specific Service that you subscribe to or use.
These Terms and Conditions, including those that are incorporated by reference, constitute the entire and only agreement between you and RetireOnPurpose.com and govern your use of our website and related assets.
Last Updated: March 15, 2016