Terms of Use

This web site is provided to you by Retirement Well Spent® (“Retirement Well Spent”). Access to and use of the web site and the services available at the web site is subject to the terms and conditions in this Terms of Use notice. By accessing or using the web site or downloading materials from the web site, you agree to be legally bound by the terms and conditions set forth below without any modification. Please review them carefully. If you do not agree to the terms, do not use the web site. 

The copyright on this web site is owned by Retirement Well Spent. All material provided on the web site is protected under United States copyright laws and international copyright laws and treaty provisions. Except as expressly provided herein, none of the material provided on the web site may be copied, distributed, republished, reproduced,  downloaded, displayed or transmitted in any form for commercial use without prior written permission of Retirement Well Spent. Individual visitors of the web site are permitted personal, non-commercial use, provided that they do not modify the materials and that the materials retain all copyright and other proprietary notices contained in the materials. The permission terminates automatically if you breach any of the terms and conditions contained in this notice. Retirement Well Spent does not grant any express or implied right to you under any patents, trademarks, copyrights, or trade secret laws.

The trademarks, logos, and service marks (collectively referred to as “Trademarks”) displayed on this web site are registered and unregistered Trademarks of Retirement Well Spent and no trademark license either express or implied is granted by Retirement Well Spent. You do not have any right to use the Trademarks displayed on this web site without prior written permission of Retirement Well Spent. Trademarks are one of our most valuable assets. In the event of unauthorized use or misuse of its Trademarks, Retirement Well Spent will pursue its legal remedies without delay.

DMCA Notice

Retirement Well Spent respects the intellectual property of others. If you believe that your copyrighted work has been copied and is accessible on this web site in a way that constitutes copyright infringement, you may notify us by providing our copyright agent with sufficient information to allow us to locate the material, including the following information:

  1. The electronic or physical signature of the owner of the copyright or the person authorized to act on the owner’s behalf.
  2. A description of the copyrighted work that you claim has been infringed and a description of the infringing activity.
  3. Identification of the location where the original or an authorized copy of the copyrighted work exists, for example the URL of the web site where it is posted or the name of the book in which it has been published.
  4. Identification of the URL or other specific location on this site where the material that you claim is infringing is located.
  5. Your name, address, telephone number, and email address.
  6. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
  7. A statement by you, that the above information you provide us is accurate and that you are the copyright owner or are authorized to act on the behalf of the copyright owner.

Our agent for notice of claims of copyright infringement on this site can be reached as follows:

By Mail:
Retirement Well Spent 
Attn: Legal Dept. 
4135 NW Urbandale Dr.
Urbandale, IA 50322

By Email: legal@retirementwellspent.com  

Disclaimer 

THE INFORMATION IN THIS WEB SITE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. RETIREMENT WELL SPENT SHALL NOT BE RESPONSIBLE FOR ANY ERRORS, OMISSIONS, OR TECHNICAL INACCURACIES IN THIS WEB SITE. RETIREMENT WELL SPENT DOES NOT REPRESENT OR WARRANT THAT MATERIALS IN THIS SITE ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. RETIREMENT WELL SPENT IS NOT RESPONSIBLE FOR TYPOGRAPHICAL ERRORS OR OMISSIONS RELATING TO PRICING, TEXT, VIDEO OR PHOTOGRAPHY. WHILE WE ATTEMPT TO ENSURE YOUR ACCESS AND USE OF THE WEB SITE IS SAFE, RETIREMENT WELL SPENT CANNOT AND DOES NOT REPRESENT OR WARRANT THAT THIS SITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. 

Limitation of Liability

IN NO EVENT WILL RETIREMENT WELL SPENT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE), OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE OR THE MATERIALS CONTAINED IN, OR ACCESSED THROUGH, THIS WEB SITE. 

Indemnity

You agree to defend, indemnify and hold Retirement Well Spent and its affiliates and their respective officers, directors, shareholders, employees, agents, licensors and suppliers harmless from and against any claims, actions or demands, liabilities and settlements, including without limitation reasonable legal and accounting fees resulting from or alleged to result from your violation of this Terms of Use.

Termination

We may terminate or suspend your access to the web site at any time, with or without cause, with or without notice. Upon such termination or suspension, your right to use the web site will immediately cease.

Applicable Law and Venue

These terms and conditions are governed by and construed in accordance with the laws of the State of Iowa, applicable to agreements made and entirely to be performed within the State of Iowa, without resort to its conflict of law provisions. You agree that any action at law or in equity arising out of or relating to these terms and conditions can be filed only in state or federal court located in Des Moines, Iowa and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of these terms and conditions.

General Terms

If any part of the Terms of Use is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use will continue in effect.

Retirement Well Spent is constantly improving its products and services and reserves the right to make such improvements or changes to this web site, the materials, products, services, or prices posted in this web site without prior notice as it deems necessary.

As a convenience to you, Retirement Well Spent provides links to web sites operated by others. Retirement Well Spent makes no representations about other web sites accessed from this web site which are not maintained, controlled or created by Retirement Well Spent and does not endorse any linked web site or the information appearing on those web sites.  Links do not imply that Retirement Well Spent endorses, is affiliated with, or associated with such linked web site.

Electronic Information Submitted to the Web Site

Any communication or material other than your personal information submitted to the web site by electronic mail is the exclusive property of Retirement Well Spent and is considered to be non-confidential and non-proprietary. Such communication may include without limitation questions, comments, suggestions, and ideas. Retirement Well Spent shall be free to use them for any purpose whatsoever without restriction or compensation.