TERMS AND CONDITIONS FOR RETIREWISE GROUP ACCEPTANCE OF TERMS

By accessing, downloading, or using any services provided by RetireWise Group, LLC (“Company”), you (“User,” “You,” “Your”) agree to abide by these Terms and Conditions, as they may be updated periodically at the Company’s sole discretion. It is your responsibility to review these Terms regularly at [website link] to stay informed of any updates.

PRIVACY POLICY

The Company values your privacy and adheres to strict data protection standards. For details on how we collect, use, and safeguard your personal information, refer to our Privacy Policy, which is incorporated herein by reference.

REFUND POLICY

All services provided by RetireWise Group are non-refundable. By utilizing our services, you acknowledge and accept this policy.

DISPUTE RESOLUTION AND GOVERNING LAW

All disputes, claims, or controversies arising from or related to the use of our website or services must first be resolved through binding arbitration in the state of [State]. The arbitration shall be conducted under the rules of [Arbitration Association], and each party shall bear its own costs unless otherwise specified by law. Should arbitration fail to resolve the dispute, jurisdiction is exclusively granted to the courts in [City, State]. The prevailing party in any legal proceeding will be entitled to recover reasonable attorneys’ fees and costs.

ELIGIBILITY

The Company’s services are intended solely for individuals aged 18 or older. Any accounts associated with users under 18 will be terminated immediately upon discovery.

USE OF SOFTWARE

The Company may provide software for personal, non-commercial use only. All intellectual property rights to such software remain with the Company. Users are strictly prohibited from redistributing, reverse-engineering, or otherwise altering the software.

USER CONTENT

By submitting any content to the Company’s platform, you grant the Company a perpetual, worldwide license to use, modify, and distribute such content as necessary. You represent and warrant that you own all rights to the content you submit or have obtained proper permissions.

PROHIBITED CONTENT

You are prohibited from uploading or sharing content that:

• Is defamatory, obscene, or offensive;

• Promotes illegal activities; or

• Violates intellectual property laws.

The Company reserves the right to remove any prohibited content and terminate associated accounts without notice.

COMPLIANCE WITH INTELLECTUAL PROPERTY LAWS

Users are required to respect the intellectual property rights of the Company and third parties. Any infringement may result in immediate account termination and potential legal action.

NO WARRANTIES

The Company provides all services “as is” without any express or implied warranties. Users assume all risks associated with the use of the Company’s services.

LIMITATION OF LIABILITY

To the fullest extent permissible by law, the Company disclaims liability for any damages arising from the use of its services, including but not limited to direct, indirect, or consequential damages.

CHANGES TO TERMS

The Company reserves the right to amend these Terms at any time. Continued use of our services after such changes constitutes acceptance of the revised Terms.