Terms of Use

1. Educational service only

Owner Retirement provides general educational information and illustrative calculators. We are not a fiduciary, investment adviser, broker-dealer, accountant, attorney, lender, insurer, real estate broker, or government agency. Use of the Site does not create a professional, advisory, agency, or client relationship.

2. No financial, tax, legal, or benefits advice

Results are estimates based on information you enter and simplified assumptions. They do not consider every tax rule, expense, benefit provision, investment risk, property condition, or personal circumstance. Do not make a purchase, sale, borrowing, tax, insurance, Social Security, or retirement-plan decision solely from the Site. Confirm important decisions with qualified professionals and authoritative agencies.

3. Eligibility and acceptable use

You may use the Site only if you can form a binding contract in your jurisdiction. You agree not to:

• Use the Site unlawfully, deceptively, or to harm another person.
• Interfere with security, availability, or normal operation.
• Attempt unauthorized access, automated scraping at abusive volume, or malware distribution.
• Misrepresent Site output as a professional recommendation or government determination.
• Copy or republish substantial Site content except as permitted by law.

4. Accuracy, availability, and updates

We aim to use reliable sources but do not promise that all content is complete, current, or error-free. Laws, agency guidance, contribution limits, benefit rules, and market conditions change. We may correct, update, suspend, or discontinue any part of the Site at any time.

5. Advertising, affiliate links, and third parties

The Site may display advertisements or compensated links. Such relationships are disclosed, and compensation does not guarantee a positive review or ranking. Third-party products, services, websites, and advertisements are controlled by their providers. We do not warrant, endorse, or assume responsibility for them merely because they appear on or are linked from the Site.

6. Intellectual property

The Site’s original design, text, calculations, graphics, and branding are owned by or licensed to Owner Retirement and protected by applicable intellectual-property laws. Government source material and third-party marks remain the property of their respective owners.

7. Disclaimer of warranties

To the maximum extent permitted by law, the Site is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, merchantability, fitness for a particular purpose, noninfringement, or uninterrupted availability.

8. Limitation of liability

To the maximum extent permitted by law, Owner Retirement and its operator will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, lost data, or financial decisions arising from use of or reliance on the Site. Some jurisdictions do not allow certain exclusions, so these limits apply only to the extent lawful.

9. Changes and contact

We may update these terms by posting a revised version and effective date. Continued use after an update means you accept the revised terms. Questions may be sent to support@ownerretirement.com; this address must be activated before public advertising begins.

10. Legal review recommended

These terms are a practical operating draft, not legal advice to the Site operator. Before a broad public launch, paid promotion, or collection of personal information, the operator should have counsel confirm the legal entity name, contact details, governing law, venue, and any state-specific requirements.