Terms of Service

1. Acceptance of Terms

By accessing or using retirebff.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). Retire BFF ("we," "us," or "our") reserves the right to update these Terms at any time. The "Last Updated" date at the top of this page reflects the most recent revision. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.

2. What Retire BFF Is, and Isn't

2.1 An Educational Platform

Retire BFF exists to help people understand ETF investing through free guides, tools, and a weekly newsletter. Everything on the Site, including the guides, the fee calculator, the portfolio analyzer, the ETF comparison tool, the investor profiler quiz, the glossary, the fact sheets, and all newsletter content, is provided for educational and informational purposes only. None of it constitutes financial, investment, legal, or tax advice.

2.2 Not a Registered Advisor

Retire BFF and its operators are not registered investment advisors, broker-dealers, or financial planners under U.S. law or the laws of any other jurisdiction. We do not recommend specific securities or strategies for your individual situation, manage investments, execute trades, or act as a fiduciary. The tools on this Site, including the fee calculator and portfolio analyzer, produce estimates for educational illustration. They are not personalized recommendations.

2.3 Accuracy and Currency of Information

We work to keep content accurate, but tax figures, contribution limits, Social Security rules, and market conditions change frequently. We make no warranty that any information on the Site is current, complete, or error-free. Past performance figures referenced in any guide or tool do not guarantee future results. You should always verify information against official fund prospectuses and regulatory filings before making any decision.

2.4 Consult a Professional

Before making any investment decisions, consult a licensed financial advisor, CPA, or attorney. Consider your personal financial situation, goals, risk tolerance, and time horizon. Retire BFF is a starting point for learning, not a substitute for professional advice.

3. Investment Risk Acknowledgment

By using this Site, you acknowledge that all investing involves risk, including the possible loss of your entire principal. Market conditions are unpredictable. Diversification does not guarantee profit or eliminate risk. Retire BFF is not responsible for any investment losses, tax consequences, or financial damages that result from your use of this Site or reliance on its content.

4. Acceptable Use

You may use the Site for personal, non-commercial educational purposes. You agree not to:

• Violate any applicable law or regulation
• Infringe on the intellectual property rights of Retire BFF or any third party
• Transmit malware, viruses, or other harmful code
• Attempt to gain unauthorized access to any part of our systems or infrastructure
• Scrape, harvest, or copy Site content using automated tools without written permission
• Republish or commercially exploit any content from the Site without authorization
• Misrepresent your identity or affiliation with Retire BFF

You must be at least 18 years old to use the Site or subscribe to the newsletter.

5. Intellectual Property

All original content on the Site, including guides, tool interfaces, newsletter content, graphics, and the overall design, is owned by Retire BFF and protected by U.S. copyright law. You are granted a limited, personal, non-commercial license to read, use, and share links to our content. You may not reproduce, republish, resell, or create derivative works from our content without written permission. ETF data and market information sourced from third-party providers remains the property of those providers and subject to their respective terms.

6. Newsletter Subscription

Subscribing to the Retire BFF newsletter is free and optional. By subscribing, you consent to receive weekly educational emails about ETF investing. You may unsubscribe at any time via the link in any email or by contacting us at hello@retirebff.com. Subscriber data is handled in accordance with our Privacy Policy.

7. Third-Party Links

The Site links to third-party websites including brokerage platforms, ETF provider sites, and financial data sources. These links are provided for convenience and do not constitute an endorsement. Retire BFF has no control over and takes no responsibility for the content, accuracy, or privacy practices of any linked site. Your use of third-party sites is at your own risk and subject to their own terms.

8. Affiliate Disclosures

Retire BFF may earn referral commissions from links to brokerage platforms or financial service providers. Where affiliate relationships exist, they do not influence the educational content of our guides or tools, we describe what a product does, not whether you should use it. The presence of any link on this Site is not a recommendation. Conduct your own research before opening any account or purchasing any product.

9. Disclaimers and Limitation of Liability

The Site and all content, tools, and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, Retire BFF disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

To the fullest extent permitted by law, Retire BFF and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site, including investment losses, reliance on any content or tool output, or inability to access the Site. Because the Site is free to use, our maximum liability to you for any claim shall not exceed $0.

Some jurisdictions do not permit the exclusion of certain warranties or limitation of certain liabilities. In those jurisdictions, the above limitations apply to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify and hold harmless Retire BFF and its operators from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of the Site, violation of these Terms, or investment decisions made in reliance on Site content.

11. Termination

You may stop using the Site or unsubscribe from the newsletter at any time. We reserve the right to restrict or terminate access for users who violate these Terms, engage in illegal or fraudulent behavior, or for any operational reason. Provisions of these Terms that by nature should survive termination, including disclaimers, limitations of liability, and indemnification, will remain in effect after termination.

12. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

13. Copyright Infringement (DMCA)

If you believe content on this Site infringes your copyright, please send a notice to hello@retirebff.com that includes: a description of the copyrighted work and its location on our Site, your contact information, a good-faith statement that the use is unauthorized, a statement of accuracy, and your physical or electronic signature. We will investigate and respond promptly.

14. Governing Law and Disputes

These Terms are governed by the laws of the Commonwealth of Pennsylvania, United States, without regard to its conflict of law provisions. We encourage you to contact us directly at hello@retirebff.com to resolve any dispute informally before pursuing formal proceedings. Any unresolved disputes shall be subject to binding individual arbitration and you waive any right to participate in a class action proceeding. To the extent arbitration does not apply, you agree to submit to the jurisdiction of the state and federal courts located in Pennsylvania.

15. Miscellaneous

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Retire BFF regarding your use of the Site. If any provision is found unenforceable, the remaining provisions remain in full effect. Our failure to enforce any provision is not a waiver of that provision. You may not assign your rights under these Terms without our written consent.

16. Changes to These Terms

We may update these Terms as the Site evolves or as legal requirements change. Material changes will be noted by an updated "Last Updated" date and, where appropriate, communicated to newsletter subscribers by email. Continued use of the Site after any change constitutes acceptance.