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Terms and Conditions

Last updated: October 19, 2026

These Terms and Conditions (“Terms”) govern your use of The Retirement Playbook website and your purchase or use of the digital products we offer.

By using this website or purchasing or downloading a Product, you acknowledge these Terms. Nothing in these Terms limits any consumer rights that cannot legally be waived.

1. Our Products and Educational Purpose

We offer digital educational materials intended to help adults understand retirement planning topics, including:

• Retirement budgeting, income, withdrawals, and financial safety cushions.
• Roth IRAs, retirement-account rules, taxes, and required minimum distributions.
• Social Security, Medicare, eligibility, deadlines, and health coverage.
• AI tools, smartphones, online banking, and digital safety.
• Scams, identity protection, family documents, and estate organization.
• Retirement-abroad destinations, cost comparisons, and planning considerations.

Our Products include The Retirement Playbook, The Complete Retirement Planner, the Retirement Readiness Tracker, and any additional digital products identified on our website.

You are responsible for evaluating your circumstances and deciding whether any information is appropriate for your situation. Consult a qualified professional before making significant financial, tax, legal, healthcare, insurance, or estate-planning decisions.

2. Accuracy, Updates, and Third-Party Information

The Retirement Playbook 2026 Edition uses figures and rules intended to reflect official information available during its preparation. Certain retirement limits, tax rules, eligibility requirements, deadlines, benefit calculations, healthcare costs, and government programs can change.

We make reasonable efforts to present educational information clearly and accurately, but we do not guarantee that every statement is complete, current, error-free, or applicable to every individual.

You should independently verify important information with authoritative sources, including the Internal Revenue Service (irs.gov), Social Security Administration (ssa.gov), Medicare (medicare.gov), and other relevant official agencies.

Unless expressly stated otherwise, purchasing a Product does not entitle you to future editions, continuous updates, personalized reviews, or ongoing advisory services.

We may correct errors or update our Products from time to time. Any material change to a paid Product's promised contents or functionality will be handled in accordance with our obligations under applicable law.

3. No Guarantee of Financial or Personal Outcomes

Our Products are educational resources. They do not guarantee investment returns, retirement income, tax savings, benefit eligibility, healthcare coverage, protection against fraud, lower living expenses, successful relocation, or any other particular outcome.

Examples, illustrations, projections, country comparisons, and suggested actions are provided to explain concepts and support personal planning. Your results will depend on your circumstances, the accuracy of the information you enter, applicable rules, and factors outside our control.

Nothing in our Products should be interpreted as a recommendation to buy or sell a financial product, make a particular investment, claim a particular benefit, relocate to a particular country, or take a specific legal or tax position.

4. Product Descriptions and Availability

We make reasonable efforts to describe each Product accurately, including its contents, format, included files, and intended use.

Please review the product description and stated price before purchasing. Unless expressly included in the product description, a purchase does not include personalized consultations, professional services, physical materials, third-party subscriptions, or access to third-party services.

If a Product materially differs from its description or does not function as promised, contact us so we can investigate and provide an appropriate remedy under our policies and applicable law.

5. Purchases and Payments

Prices are displayed in US dollars unless otherwise stated. Products are sold as one-time purchases unless the checkout page expressly identifies a recurring payment or subscription.

Payments may be processed by Dodo Payments or another payment provider identified during checkout. The payment provider may collect and process transaction and payment information under its own applicable terms and privacy documentation.

By submitting an order, you confirm that the information you provide is accurate and that you are authorized to use the selected payment method.

Your order is subject to successful payment processing and any confirmation presented at checkout. We do not guarantee that every attempted transaction will be accepted.

We may change future prices or promotions at any time. A price change will not alter the agreed price of an order that has already been completed, except where a correction or adjustment is legally permitted.

If a payment fails, is reversed, or is identified as potentially fraudulent, we may delay or suspend delivery while the transaction is investigated, subject to applicable law.

6. Digital Delivery and Access

Our Products are delivered digitally. No physical item will be shipped unless a product description expressly states otherwise.

Following confirmation of payment, we will provide access to the purchased files or digital content through the delivery method identified at checkout, which may include an email, download page, or other electronic delivery method.

Please ensure that your email address is entered correctly and check your spam or junk folder if you do not receive a delivery message.

If you cannot access or download a Product, contact us at the email address listed in Section 16. We will make reasonable efforts to resolve delivery and access problems.

You are responsible for maintaining a compatible device, software, internet connection, and any third-party accounts required to use the files. We do not guarantee uninterrupted access to external websites, services, or platforms that we do not control.

Nothing in this section removes your right to an appropriate remedy where digital content is not delivered or does not conform to applicable legal requirements.

7. Thirty-Day Money-Back Guarantee

We offer a 30-day money-back guarantee on paid Products.

If you are not satisfied with a paid Product, you may request a full refund within 30 calendar days of the original purchase date by contacting us using the information in Section 16.

Please include the email address used for the purchase and your order number, if available.

Our voluntary guarantee does not require you to demonstrate that you encountered a technical defect or provide a particular reason for dissatisfaction. Downloading or opening a Product does not, by itself, disqualify you from requesting a refund under this guarantee.

If a refund is approved, it will be issued to the original payment method through the applicable payment process. The time required for the funds to appear depends on the payment provider and your financial institution.

A refund of a bundle will generally cover the bundle purchase as a whole rather than a separately selected component, unless we agree otherwise or applicable law requires a different remedy.

Requests made after the 30-day guarantee period are not eligible under the voluntary guarantee, except where required by applicable law or where we expressly agree otherwise.

This guarantee does not restrict any mandatory consumer rights or remedies available under applicable law.

8. License and Permitted Use

When you purchase or download a Product, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable license to use the Product for your own personal, non-commercial purposes.

Subject to these Terms, you may:

• Download and store the files for your personal use.
• Print reasonable copies for your own use.
• Use the worksheets and calculators to organize your own retirement-planning information.
• Make reasonable personal backup copies where technically possible.

You may not, except where expressly permitted by law or with our prior written permission:

• Resell, sublicense, distribute, or commercially exploit a Product.
• Upload or publish a Product, or substantial portions of it, on publicly accessible websites, file-sharing services, or shared drives accessible to unauthorized people.
• Share purchased download links or files in a way that provides unauthorized access to the Product.
• Reproduce or redistribute the Products as a competing guide, course, planner, or commercial offering.
• Remove copyright notices or falsely claim authorship of our original content.
• Use our Products to create or distribute a substantially similar commercial product without the necessary rights.

If you receive a refund, your license to use the refunded Product ends. You must stop using it and delete copies under your control, except where retention is required by law or a non-waivable right applies.

9. Intellectual Property

Unless otherwise identified, the original text, worksheets, graphics, layouts, spreadsheets, and other content we create for our Products and website are owned by or licensed to the business identified in these Terms.

These materials are protected by applicable intellectual-property laws. Purchasing a Product does not transfer ownership or copyright to you.

Product names, logos, trademarks, and materials belonging to third parties remain the property of their respective owners. References to government agencies, companies, services, or products are for identification and educational purposes and do not imply endorsement, sponsorship, or affiliation unless expressly stated.

We do not claim exclusive ownership of public-domain information, general ideas, or third-party materials that we do not own.

10. Reviews and Testimonials

Reviews and testimonials published on our website must reflect genuine experiences or opinions of the people represented. We do not guarantee that every customer will have the same experience or outcome.

Where a testimonial is incentivized, sponsored, or otherwise connected to us in a way that could materially affect how readers evaluate it, we will make disclosures where required by applicable law.

We may moderate or remove content that is unlawful, fraudulent, abusive, irrelevant, or otherwise permitted to be removed under applicable law. We will not use these Terms to prohibit or penalize customers for expressing honest opinions or posting lawful negative reviews.

11. Spreadsheets, Calculators, and Planning Tools

Products such as the “Will My Money Last?” Retirement Calculator and the Retirement Abroad Comparison Planner are educational planning tools.

Their outputs depend on the information entered by the user and the assumptions built into each tool. Depending on the tool, those assumptions may involve estimated expenses, inflation, investment returns, taxes, exchange rates, healthcare costs, or other variables.

Actual circumstances and future results may differ materially from estimates. The tools may not reflect every relevant factor, and they are not substitutes for personalized financial, tax, legal, or relocation advice.

You are responsible for checking your entries, reviewing assumptions, and independently evaluating the results before making decisions.

12. Third-Party Websites and Services

Our website and Products may link to third-party websites, government resources, financial institutions, healthcare providers, software platforms, or other services.

These external services are not controlled by us. We are not responsible for their availability, content, accuracy, privacy practices, security, products, or policies.

A link or reference does not imply endorsement. You access and use third-party services at your own discretion and should review their applicable terms and privacy notices.

13. Website Use and Security

You agree not to misuse our website, interfere with its operation, attempt unauthorized access, distribute malicious code, or use it for unlawful or fraudulent purposes.

We may take reasonable measures to protect the website, our customers, and our business from misuse, security threats, and fraudulent transactions.

We may suspend or restrict access where reasonably necessary to address security concerns, unlawful conduct, or material violations of these Terms. Any action will remain subject to applicable legal requirements and consumer rights.

14. Warranties and Limitation of Liability

We provide our website and Products subject to the warranties, obligations, and consumer protections that apply under law.

To the fullest extent permitted by applicable law, we do not warrant that the website will always be uninterrupted, error-free, or compatible with every device or software configuration.

To the fullest extent permitted by applicable law, we will not be liable for indirect, incidental, special, or consequential losses arising from the use of our website or Products. This includes reliance on general educational information, estimates, third-party information, or decisions made without obtaining advice appropriate to your circumstances.

To the fullest extent permitted by applicable law, our aggregate liability for claims arising from a particular paid Product will not exceed the amount you paid for that Product.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including any applicable mandatory consumer rights, remedies, or statutory warranties. Where a limitation is not enforceable under applicable law, it will apply only to the extent legally permitted.

15. Changes to These Terms

We may update these Terms to reflect changes to our Products, website, business practices, or legal requirements.

When we make changes, we will update the “Last updated” date displayed at the beginning of this page. The updated Terms will apply prospectively from the date they become effective, subject to applicable law.

The version in effect at the time of an order will generally govern that transaction, except where a later change is required by law or the parties otherwise validly agree.

16. Contact Information

For questions about these Terms, product access, or refund requests, contact:

• Brand: The Retirement Playbook
• Email: retirementplaybook.support@gmail.com

17. General Provisions

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

A failure to enforce a provision does not automatically waive the right to enforce it later.

These Terms do not create a partnership, employment relationship, agency relationship, or professional advisory relationship between you and us.

Nothing in these Terms is intended to remove a consumer's right to bring a claim or exercise a remedy that applicable law makes available.