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© 2013 Retirement Dream Foundation, a 501(c)3 Non-Profit Organization.  All Rights Reserved.
Terms of Use
By accessing and using this site, you agree to be legally bound by these terms of use:

You represent that you are at least 18 years old (or the minimum legal age in the jurisdiction in which you are viewing the Site).  We may modify these Terms of Use at any time.  You should read these Terms of Use each time you access, and prior to using, the Site or use, prior to using, any site applications.

Content on the Site may be displayed and printed solely for your personal, non-commercial use.  You may not reproduce, copy, sell, resell or otherwise exploit this Site, or any portion of this Site.  No part of any content, form or document may be reproduced in any form, other than for your personal use.

You agree to defend, indemnify and hold harmless Retirement Dream Foundation (RDF), its subsidiaries, affiliates, officers, directors, employees, agents and licensees from any claims, losses, damages, expenses, demands, and costs (including without limitation, reasonable attorneys fees), arising out of or relating to your use of the Site.   You expressly acknowledge and agree that:

(a)   Your use of this web site, and/or our services, is at your own risk.  Our web site and application are provided on an "as is" and "as available" basis. We expressly disclaim all warranties of any kind, whether express or implied.
(b)   We make no warranty that (i) our web site or application will be uninterrupted, timely, secure, or error-free, (ii) the results obtained from our site or application will be accurate or reliable, or (iii) the quality of any products, services, information, or other material purchased or obtained by you through our site will meet your expectations.
(c)  Any material downloaded from or otherwise obtained through the site is at your own risk. You will be solely responsible for any damage to your computer system or loss of data resulting from such download or use.
(d)  No advice or information, whether oral or written, obtained by you from or through our web site shall create any warranty not expressly stated in these terms of use.
Under no circumstances, including negligence, will Retirement Dream Foundation, its subsidiaries, affiliates, officers, directors, licensees or content providers be liable for any direct, indirect, incidental, special, punitive or consequential damages that result from your use of or inability to use the site.  You hereby acknowledge that this provision will apply to all content, merchandise or services available from Retirement Dream Foundation or its subsidiaries and affiliates.

The content displayed on the site, including without limitation text, graphics, logos, images, artwork, audio clips, digital downloads, data compilations, trademarks, service marks and software, is the exclusive property of Retirement Dream Foundation and is protected by copyright, intellectual property and/or trademark laws.

The site may contain links to other web sites or resources.  Retirement Dream Foundation is not responsible for the content or operation of such other web sites.

By accessing the site or using the application, you agree that the laws of the State of New Jersey, without regard to principles or conflict of laws, will govern these terms of use and any dispute of any sort that might arise between you and Retirement Dream Foundation or its affiliates.  This agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision in this agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect.

Retirement Dream Foundation does not implement financial strategies designed to save you money on the cost of college; it does not provide retirement solutions or specific retirement advice.  RDF summarizes its findings and lists for you your nearest, for-profit affiliated expert volunteer as well as their fees, if there are any, for implementation.  RDF can ask them to contact you or you may contact them directly; the choice is yours.