Copyright Notices

The works of authorship contained in this World Wide Web site in the domain "www.retirementmadesimpler.org" (the "Site"), including but not limited to all design, text and images are owned, except as otherwise expressly stated by AARP and Financial Industry Regulatory Authority, Inc. (FINRA), and may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part in any manner without AARP and FINRA’s prior written consent, except to the extent that such use constitutes "fair use" under the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and except for one temporary copy in a single computer's memory and one unaltered permanent copy to be used by the viewer for personal and non-commercial use only, with an attached copy of this page containing AARP and FINRA’s Copyright and Trademark Notices and Disclaimer.

You may provide a hypertext link to this Site on another Web site, provided that (a) the link must be a text-only link clearly marked "Retirement Made Simpler” or "www.retirementmadesimpler.org”, (b) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with the Retirement Made Simpler name and trademarks, (c) the appearance, position and other aspects of the link may not create the false appearance that an entity is associated with or sponsored by AARP or FINRA, (d) the link, when activated by a user, must display this Site full-screen and not within a "frame" on the linked Web site, and (e) AARP and FINRA reserve the right to revoke consent to the link at any time in its sole discretion.

Trademark/Service Mark Notices

The trademarks Retirement Made Simpler and RMS, along with their respective design and service marks, are owned by AARP and FINRA.

AARP, along with its respective design and service marks, are registered and owned by AARP. Financial Industry Regulatory Authority and FINRA, along with their respective design and service marks, are owned by FINRA. Retirement Security Project and RSP, along with their respective design and service marks, are owned by RSP.

All other trademarks and service/design marks appearing on this website are the property of their respective owners. Trademarks or service/design marks appearing on this website may not be used without prior written permission from the respective owners.

Disclaimer

This Web site (Site) was designed to be informational and educational and does constitute investment advice. If you are a company, we strongly recommend that you seek the advice of your tax, legal and financial professionals when designing or modifying your 401(k) plan. If you are an individual, we strongly recommend that you seek the advice of a tax, legal and financial services professional before making decisions related to 401(k)s and other retirement savings options. AARP, FINRA and Retirement Security Project (Coalition) are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by this Site.

Because of the possibility of human and mechanical error as well as other factors, the Coalition is not responsible for any errors in or omissions from the information contained in or accessed through this Site. All such information is provided "as is" without warranty of any kind. The Coalition makes no representations and disclaim all express, implied and statutory warranties of any kind to the user and/or any third party, including any warranties of accuracy, timeliness, completeness, merchantability and fitness for any particular purpose.

Unless due to willful tortious misconduct or gross negligence, the Coalition shall have no tort, contract or any other liability to user and/or any third party.

The Coalition shall under no circumstance be liable to any user and/or any third party for any lost profits or lost opportunity, indirect, special, consequential, incidental or punitive damages whatsoever, even if the Coalition has been advised of the possibility of such damages.

Some U.S. states and foreign countries provide rights in addition to those above or do not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you, or there may be state provisions that supersede the above. Any clause of this Disclaimer declared invalid by the appropriate authority shall be deemed severable and shall not affect the validity or enforceability of the remainder. The terms of this Disclaimer are governed by the laws of the State of New York and may only be amended by a writing approved jointly by AARP, FINRA and RSP.