Terms of Use

1 Terms of Use

These Terms of Use were last modified in January 2015.

2 Terms of Use and your acceptance of them. Read before continuing.

YRR LLC (“YRR”) is pleased to provide you with the information, content, tools, products and services on YourRetirementReality.com. Your use of YourRetirementReality.com is subject to these Terms of Use (“Terms”).

These Terms are a binding agreement between you and YRR. By using or accessing YourRetirementReality.com, you accept and agree to be bound by these Terms. Your use of YourRetirementReality.com is governed by the version of the Terms in effect on the date you access the site. YRR may modify these Terms at any time and without prior notice. You should review the most current version of these Terms by visiting YourRetirementReality.com and clicking on the Terms of Use hyperlink located at the bottom of the page. These Terms are in addition to any other agreements between you and YRR, including any customer or account agreements, and any other agreements that govern your use of information, content, tools, products and services available on and through YourRetirementReality.com.

3 Use of YourRetirementReality.com

YourRetirementReality.com is intended only for your personal, non-commercial use, unless you and YRR have agreed otherwise in writing. Your submission of personally identifiable information to YRR explicitly authorizes YRR, its affiliated parties or third parties engaged by YRR to communicate with you using the information provided. Such communication may occur by any means including, but not limited to, mail, courier service, email, telephone, text message, mms message, voicemail, pre-recorded messages, etc. YRR does not charge to send or receive text messages, however, message and data rates may apply. Please consult your wireless carrier for applicable text messaging fees. Your authorization is continuing until revoked by contacting YRR at [email address to revoke consent for contact] and requesting the removal of your contact information from YRR’s contact lists.

4 Prohibited uses

Because all servers have limited capacity and are used by many people, do not use YourRetirementReality.com in any manner that could damage or overburden any YRR server, or any network connected to any YRR server. Do not use YourRetirementReality.com in any manner that would interfere with any other party’s use of YourRetirementReality.com.

5 Description of services

YourRetirementReality.com seeks to present objective news, information, data and guidance on retirement income planning topics drawn from a diverse collection of sources, including affiliated and non-affiliated financial services publications and YRR-created content. Content on YourRetirementReality.com is not intended to provide tax, legal, insurance or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by YRR or any third party. Certain tools published on YourRetirementReality.com may provide general information and guidance based upon your personalized input.

By responding to any service or resource offers on YourRetirementReality.com, you understand and agree that you may be contacted to discuss possible retirement income solutions including insurance and annuity products. If requested, you may be referred to a licensed professional. You also understand that it is possible that you may not be contacted by YRR or any of its affiliates.

You acknowledge that YRR is not a party to any agreement that you make with the licensed professional, and that the licensed professional is solely responsible for its services to you. You understand that requirements for a particular product are made by the individual professionals and that YRR does not endorse, warrant, or guarantee the products or services of any licensed professional. You agree that YRR shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the licensed professional’s service.

6 Data privacy

By submitting your contact information to YourRetirementReality.com for any reason, you are consenting to be contacted by one or more retirement income guides and licensed insurance and/or financial professionals affiliated with YRR, based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. By providing your information, you also give YRR permission to send you alerts, notifications and informational updates. You may opt out of such communications that come directly from YRR. See our Privacy Policy for more information.

7 Copyright policy, linking policy and trademarks

YourRetirementReality.com is protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in YourRetirementReality.com, including any text, graphics, video, audio, software code, user interface design or logos.

Unless you and YRR have agreed otherwise, links from another web site to YourRetirementReality.com must resolve to the top-level homepage (e.g., www.YourRetirementReality.com). In order to avoid confusion if you do link from another web site to YourRetirementReality.com’s homepage, your web site and the link itself may not suggest that YRR endorses, sponsors or is affiliated with any non-YRR web site, entity, service or product, and may not make use of any YRR trademarks or service marks other than those contained within the text of the link.

All trademarks and service marks on YourRetirementReality.com are licensed to YRR.

8 Third party content and research

YourRetirementReality.com may include general news and information, commentary, interactive tools, research reports and data concerning the financial markets, insurance, securities and other subjects. Some of this content is supplied by companies that are not affiliated with YRR or any of its affiliates (“Third Party Content”). On YourRetirementReality.com, the source of Third Party Content is clearly identified. Third Party Content providers include, but are not limited to, CNN Money, Dow Jones, MarketWatch, and Reuters. Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.

YRR has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content. The Third Party Content providers do not implicitly or explicitly endorse or approve the Third Party Content, nor do they give investment advice, or advocate the purchase or sale of any security or investment.

While YRR makes every attempt to provide accurate and timely information to serve the needs of users, neither YRR nor the Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and YRR and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You will use Third Party Content only at your own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN “AS-IS” BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

THE THIRD PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9 Timeliness of content

All content on YourRetirementReality.com is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

10 DISCLAIMER OF WARRANTIES

YRR DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT YOURRETIREMENTREALITY.COM, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. YOURRETIREMENTREALITY.COM IS MADE AVAILABLE TO YOU “AS IS” AND “AS AVAILABLE” AND YRR DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.

YRR DOES NOT WARRANT THAT YOURRETIREMENTREALITY.COM WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. YRR ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF YOURRETIREMENTREALITY.COM WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH YOURRETIREMENTREALITY.COM WILL MEET YOUR EXPECTATIONS.

THE USE OF THE SERVICES OR THE DOWNLOADING OR OTHER ACQUISITION OF ANY MATERIALS THROUGH THIS WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND WITH YOUR AGREEMENT THAT YOU WILL BE SOLELY REPONSIBLE FOR ANY DAMANGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM SUCH ACTIVITIES.

WE DO NOT PROVIDE LEGAL, TAX OR FINANCIAL ADVICE, NOR ARE WE FINANCIAL PLANNERS, BROKERS OR TAX ADVISORS. YOUR PERSONAL FINANCIAL SITUATION IS UNIQUE, AND ANY INFORMATION YOU OBTAIN FROM OUR WEBSITE OR GUIDEBOOK MAY NOT BE APPROPRIATE FOR YOUR SITUATION. ACCORDINGLY, BEFORE MAKING ANY FINAL DECISIONS OR IMPLEMENTING ANY FINANCIAL OR LEGAL STRATEGY, YOU SHOULD OBTAIN ADVICE FROM YOUR ACCOUNTANT OR OTHER FINANCIAL ADVISERS AND/OR LAWYER WHO ARE FULLY AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES. WE MAKE NO REPRESENTATIONS OR WARRANTIES WHATSOEVER REGARDING ANY BROKER, TAX ADVISOR, FINANCIAL PLANNER, ATTORNEY, FINANCIAL ADVISOR, OR OTHER PROFESSIONAL, WHETHER OR NOT ANY SUCH PERSON IS IDENTIFIED OR CONTRIBUTES INFORMATION ON OUR WEBSITE.

WE HAVE CREATED AND COMPILED THE CONTENT ON OUR WEBSITE FOR YOUR INFORMATION AND USE. THIS INFORMATION IS NOT INTENDED TO REPLACE OR MODIFY THE ADVICE OF YOUR FINANCIAL ADVISORS. PLEASE ALWAYS CONSULT WITH COMPETENT AND LICENSED PROFESSIONALS ABOUT YOUR PARTICULAR SITUATION. PLEASE REMEMBER THAT THE CONTENT ON OUR WEBSITE MUST BE CONSIDERED AS AN INFORMATIONAL/EDUCATIONAL SERVICE ONLY AND IS NOT DESIGNED TO REPLACE PROFESSIONAL GUIDANCE OR ADVICE. THE INFORMATION PROVIDED DOES NOT CREATE OR REPLACE THE RELATIONSHIPS THAT EXIST BETWEEN YOU AND YOUR ADVISORS.

11 LIMITATION OF LIABILITY

YRR WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF YOURRETIREMENTREALITY.COM AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF YRR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.

YRR WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH YRR DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.

IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

12 Indemnification

As a condition of your use of YourRetirementReality.com, you agree to indemnify and hold YRR and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of YourRetirementReality.com, or from your violation of these Terms.

13 International Use

Although YourRetirementReality.com may be accessible worldwide, we make no representation that materials on this website are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws. Any offer for any product, service, and/or information made in connection with this website is void where prohibited.

14 Changes to YourRetirementReality.com

Unless otherwise agreed, YRR may discontinue or modify YourRetirementReality.com at any time without prior notice to you, and you accept those modifications if you continue to use YourRetirementReality.com.

15 Termination

YRR may terminate your access to YourRetirementReality.com for any reason, without prior notice.

16 Governing law

Unless otherwise agreed, these Terms and their enforcement are governed by the laws Kansas, without regard to conflicts of law, and shall inure to the benefit of YRR’s successors and assigns, whether by merger, consolidation, or otherwise.

17 Severability

If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

14074