Terms of Use

Effective: 7/9/2024

All information available through this website is the property of Federal Retirement Experts (the “Company”) or its information providers and is protected by copyright and intellectual property laws. All rights reserved.

Users may not reproduce, retransmit, disseminate, sell, publish, broadcast the contents, nor shall the information be used in connection with creating, promoting, trading, or marketing financial instruments or products without the express written consent of Federal Retirement Experts or its licensors. Users are entitled to use the information it contains for private, non-commercial use only.

Federal Retirement Experts operates this website (the “Website”) to provide information, related features, and services (the “Service”). The terms and conditions set forth herein (the “Terms of Use”) constitute a legally binding agreement between the Company and users regarding the terms on which the Company offers access to Services.

Please take a few minutes to review the Terms of Use. By accessing and using this website, users agree to be bound by each of the Terms of Use and all applicable laws and regulations governing the website. If you do not agree with any of the Terms of Use, do not access or use this website for any purpose.

1. Contents not intended for distribution or use where prohibited
2. The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Company to any registration requirement within such jurisdiction or country. Neither the information nor any opinion contained in this website constitutes a solicitation or offer by the Company to buy or sell any securities, futures, options, or other financial instruments or provide any investment advice or service.
3. These terms of use may change without prior notice
4. The Company reserves the right to modify these Terms of Use at any time without giving prior notice. Use of the website following any such modification constitutes an agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage users to review these Terms of Use whenever they use this website. The last date these Terms of Use were revised is set forth above.
5. Notices of restrictions on use
6. The Service, the website, and all data and information and/or content that users see, hear or otherwise experience on the website (the “Content”) belongs to the Company, its partners, affiliates, contributors, or third parties and may be protected by U.S. and international copyright, trademark, intellectual property, and other laws. Content provided by third parties is used on the website with the permission of such third parties. Users may download, print, and store selected portions of the Content, provided that they (1) do not copy or post the Content on any network computer or transmit, distribute, publish or broadcast the Content in any media, including without limitation, a website; and (2) do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. No right, title, or interest in any copied or downloaded Content is transferred to users as a result of any such copying or downloading. The Company reserves complete title and full intellectual property rights in any Content copied or downloaded from this website. Users agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer or create derivative works from any Content obtained from the website or the Service, except as expressly permitted by these Terms of Use. Moreover, users may not use any of the marks appearing throughout this website without express written consent from the trademark owner, except as permitted by applicable law.
7. Disclaimer of warranties
8. By agreeing to grant user access, the Company does not obligate itself to do so or to maintain this site, or to maintain it in its present form, and the Company expressly reserves the right to modify, suspend or terminate user access privileges. Users agree and understand that the Company may, in its sole discretion and without any prior notice, close this website or deny users access to it and delete any files which may have been maintained at this site, as well as any information which may be posted here. The information on this website is provided “as is.” Users expressly agree to assume total responsibility and risk for use of the website and the service. The company makes no express or implied warranties, representations, or endorsements whatsoever concerning the website or the service. The company expressly disclaims all warranties of any kind, express, implied, statutory, or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, concerning the website, the service, or any information or content contained therein (including third-party information). The company shall not be liable for any loss or damage arising either directly or indirectly from any use of the website, the service, or any information or content contained therein (including third-party information). It is solely the users' responsibility to evaluate the accuracy, completeness, and usefulness of all information or content provided by the website or the service.

The company does not warrant that the functions performed by the website or the service will be uninterrupted, timely, secure, or error-free, or that defects in the website or the service will be corrected. The company does not warrant the accuracy or completeness of the information or content provided by the website or the service, or that any errors in the information or content will be corrected. The website, the service, and the information or content are provided on an “as is” and “as available” basis.

1. Limitation of liability
2. If any user is dissatisfied with the website or any content on the website, or with the terms of use, their sole and exclusive remedy is to discontinue using the website. Users acknowledge, by continued use of the website, that said use of the website is at the user's sole risk. Users understand and agree that under no circumstances will the company be liable for any damages whatsoever, including, but not limited to, (i) any direct, incidental, consequential, exemplary, or indirect damages (including, but not limited to, damages for loss of business profits, business interruption, loss of data, programs or information, and the like) arising out of the use of or inability to use the website, the service, or the information or content provided therein, (ii) any claim attributable to errors, omissions or other inaccuracies in the website, the service and/or information or content contained therein or downloaded through the website, (iii) unauthorized access to or alteration of User transmissions or data, (iv) statements or conduct of any third party on the website or the service, or (v) any other matter relating to the website or the service, even if the company has been advised of the possibility of such damages. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, some of the above limitations may not apply to certain users. In such states, the company’s liability is limited and warranties are excluded to the greatest extent permitted by law.
3. Personal information and Privacy Policy
4. Click here to see our Privacy Policy
5. User Conduct:

Users agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others, or otherwise cause damage to the website or any Content contained on the website. Users agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between any user and the Company.

1. General provisions
2. Entire agreement. These Terms of Use constitute the entire agreement of the parties concerning the subject matter hereof and supersede all previous written or oral agreements between the parties concerning such subject matter. No waiver by the Company of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.
3. Correction of errors and inaccuracies. The information on the website may contain typographical errors or other errors or inaccuracies and may not be complete or current. We, therefore, reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies, or omissions will be corrected.
4. No endorsements of links. Hypertext links to third-party websites or information do not constitute or imply an endorsement, sponsorship, or recommendation by the Company of the third party, the third-party website, or the information contained therein. Users acknowledge and agree that the Company is not responsible for the availability of any such websites and that the Company does not endorse or warrant, and is not responsible or liable for any such website or the content therein. Any links to other sites are provided for convenience only. Users ought to make their own decisions regarding interactions or communications with any other website.
5. If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in full force and effect. These Terms of Use are governed by and will be interpreted under, the laws of the state of Florida, without regard to any conflict of laws’ provisions. Although users acknowledge that the Company will have the ability to enforce its rights in any court of competent jurisdiction, users hereby consent to the exclusive jurisdiction and venue of courts in Florida, U.S.A. regarding any disputes relating to these Terms of Use, the Company’s Privacy Statement, use of the website, any other website, the Service, or Content or Material contained therein.