TERMS OF USE

Effective Date: January 1, 2026

1. Brand & Purpose

Retirement Journal Research Group (“RJRG,” “we,” “us,” or “our”) is an educational and informational publishing brand operating through retirement-journal.org (the “Site”).

The Site provides general educational content related to retirement planning concepts, insurance strategies, and financial topics. Content is intended solely for informational purposes and is not individualized advice.

Insurance products, if discussed or referenced, are offered only through properly licensed insurance professionals acting in their individual capacity, and not by the educational publishing brand itself.

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2. Acceptance of Terms

By accessing or using this Site in any manner, you agree to be bound by these Terms of Use, our Privacy Policy, and our Disclosures page. If you do not agree, you must discontinue use of the Site.

We reserve the right to modify these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

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3. Communications Consent (Phone, Text & Email)

By submitting your phone number and/or email address through this Site, you provide express written consent for us, or licensed insurance professionals we may introduce you to, to contact you regarding educational content, products, or services, including via:

• Phone calls (including prerecorded or artificial voice)

• SMS/MMS text messages

• Email communications

This consent applies even if your number is listed on any federal, state, corporate, or National Do Not Call registry.

• Consent is not a condition of purchase

• Message and data rates may apply

• You may opt out at any time by submitting a Do Not Contact request

By communicating with us by phone or email, you consent that communications may be recorded for quality assurance and training purposes.

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4. Educational Disclaimer (Summary)

Content on this Site is provided for general educational purposes only and should not be interpreted as personalized financial, investment, legal, or tax advice.

Retirement Journal Research Group does not provide securities, investment advisory services, or individualized financial recommendations.

Full disclosures governing content limitations, guarantees, compensation, and insurance-related matters are available on our Disclosures page, which is incorporated by reference into these Terms.

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5. Intellectual Property

All content on the Site, including text, graphics, videos, logos, and design elements, is owned by or licensed to Retirement Journal Research Group and is protected by applicable intellectual property laws.

You may view, download, or print content for personal, non-commercial use only. You may not reproduce, distribute, sell, modify, or create derivative works without prior written permission.

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6. User Submissions

If you submit comments, messages, emails, forms, or other materials to us, you grant Retirement Journal Research Group a non-exclusive, royalty-free, worldwide license to use, reproduce, and display such materials for educational, marketing, operational, or compliance purposes.

You represent that you have the right to submit such materials and that they do not violate the rights of any third party. We reserve the right to remove or decline to use any submission at our discretion.

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7. Third-Party Links

The Site may contain links to third-party websites. We do not control or endorse any third-party content and are not responsible for their accuracy, policies, or practices. Accessing third-party sites is at your own risk.

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8. Limitation of Liability

To the fullest extent permitted by law, Retirement Journal Research Group shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the Site or reliance on its content.

Your sole remedy for dissatisfaction with the Site is to discontinue use.

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9. Termination

We reserve the right to suspend or terminate access to the Site at any time, without notice, for any reason. Provisions related to intellectual property, disclaimers, and limitations of liability shall survive termination.

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10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to conflict-of-law principles.

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11. Updates

These Terms may be updated periodically. Any changes will be posted on this page. Continued use of the Site constitutes acceptance of the updated Terms.

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If you have questions regarding these Terms of Use, you may contact us at: [email protected]