The Retirement Atlas — Terms of Use

Version 3.2.2 (Annuity-Only Scope, Option B Two-Checkbox Consent) Effective date: 2026-06-07 Operator: The Retirement Atlas LLC, an Indiana limited liability company ("The Retirement Atlas," "TRA," "we," "us," "our") Contact: legal@theretirementatlas.com

*Changes vs Version 3.0: 30-day match auto-release extended to 90 days (Section 5); Texas Mini-TCPA explicitly named throughout; five new clauses added (IP / no-LLM-training in 11A, third-party content in 14A, E-SIGN consent in 21A, Feedback in 21B, DMCA in 21C); JAMS locked as the consumer-side arbitration provider with Minimum Standards of Procedural Fairness compliance. Scope narrowed in v3.1 to annuity referrals only: SEC Marketing Rule, Investment Advisers Act, FINRA, and general insurance product references removed because TRA matches consumers exclusively with state-licensed insurance producers holding annuity-line authority for the discussion of annuity-based retirement income solutions. Partner firms are annuity specialists, not general financial advisers and not generic insurance agents. Version 3.2.2 moves the plain-English compensation explanation into Section 9 of these Terms so the Terms are the single source of truth for how TRA makes money.*

1. About these Terms and how you accept them

These Terms of Use ("Terms") govern your use of The Retirement Atlas, the website at theretirementatlas.com, and any related services (collectively, "TRA"). The Privacy Policy is incorporated by reference.

You can use most of TRA without giving us any personal information. The point in the journey at which you accept these Terms is the email-capture screen, where you check the consent box that reads:

By checking this box and clicking [Submit], I agree to TRA's Terms of Use and Privacy Policy. I ask TRA to list an anonymized version of my map in the Advisor Atlas Leads marketplace so that licensed annuity specialists in TRA's reviewed network can decide whether to follow up with me. If one specialist purchases the match, my name, email, and the contents of my map (and, if I have separately consented to phone contact, my phone number) go to that one specialist. I understand the specialist is a state-licensed insurance producer with annuity-line authority who specializes in annuity-based retirement income solutions, that the specialist is paid on commission for any annuity product I may purchase, and that TRA is paid a referral fee for the introduction. I understand the introduction is exclusively for the discussion of annuity-based retirement income solutions, and that TRA does not match me with registered investment advisers, broker-dealers, general financial planners, or non-annuity insurance producers through this marketplace. I understand TRA is an educational tool and is not financial advice.

If you do not agree to these Terms, do not check that box. You can still use the anonymous portions of TRA without accepting these Terms.

2. What TRA is and what TRA is not

The Retirement Atlas is a publisher of educational retirement-planning content and an operator of a consumer-to-annuity-specialist matching service. Nothing more.

TRA is not:

• a registered investment adviser or investment adviser representative;
• a broker-dealer or registered representative;
• a Certified Financial Planner, financial planner, insurance producer, or insurance agency;
• a Certified Public Accountant or tax adviser;
• an attorney or law firm;
• a bank, trust company, or other financial institution;
• a guarantor of, or party to, any relationship between you and any annuity specialist matched through TRA. TRA makes no representation that any matched specialist acts in any particular capacity toward you.

The matching service connects consumers exclusively with licensed annuity specialists for the discussion of annuity-based retirement income solutions. TRA does not match consumers with registered investment advisers, broker-dealers, general financial planners, or non-annuity insurance producers through this marketplace. If you are seeking a fee-only fiduciary or investment advisory relationship, you should consult independent directories of fee-only advisers (such as NAPFA or XY Planning Network) rather than rely on TRA's matching service. If you are seeking life insurance, long-term care insurance, disability insurance, health insurance, or any non-annuity insurance product, TRA's marketplace is not the right place to find a producer for that purpose, and you should consult an independent agent or your state's insurance commissioner consumer-help resources instead.

The educational content on TRA and the outputs of the planning tools are general information based on inputs you provide and on publicly available rules, brackets, and rates. They are not personalized investment, tax, legal, insurance, or financial planning advice and must not be relied upon as such. Consult your own licensed financial professional before making any financial decision. The optional matching service is one way to find an annuity specialist. You are free to seek advice elsewhere.

3. Two ways to use TRA

Anonymous use. You can run the educational journey without giving us your email, phone number, name, or any other personal identifier. The planning surfaces run locally in your browser. We will not know who you are, will not store your inputs against an identity, and will not list you with any partner.

Matched use. If you want a partner firm to follow up with you about your plan, you give us your email address and check the consent box described in Section 1. From that point forward, the rest of these Terms apply to you.

You can switch from anonymous to matched at any time. You cannot retroactively un-anonymize anything we never had.

4. Eligibility

You must be at least 18 years old and a resident of the United States to use the matched-use path. TRA is not intended for use by children, and we do not knowingly collect personal information from anyone under 18. If you are a parent or guardian and believe a child has provided information to us, contact privacy@theretirementatlas.com and we will delete it.

5. The matching service: how it works

Listing in the AAL marketplace requires your affirmative opt-in. It does not happen automatically. Saving your map, receiving the map by email, or using any free educational tool on TRA does not list you in the Advisor Atlas Leads ("AAL") specialist marketplace. The only way you appear in the marketplace is if, at the end of your journey, you affirmatively check one of two separate, unbundled boxes:

Box 1 — Match me now. "I want to be introduced to a licensed annuity specialist now. The Retirement Atlas may release my name, email, and the contents of my map (and, if I also consent to phone contact, my phone number) to one matched specialist who purchases my listing in the AAL marketplace. The purchase is one-time and permanent: my information is released to that one specialist only, and AAL does not, at any time, resell, re-match, or otherwise transfer my information to any other specialist."

Box 2 — Optional future match. "Even if I'm not ready to talk to a specialist right now, you may list my anonymized map in the AAL marketplace for the next 90 days. If a specialist purchases the listing during that window, you may release my contact information to that one specialist permanently, and AAL will not resell, re-match, or transfer my information to any other specialist. If no specialist purchases the listing within 90 days, the listing is removed from the marketplace and no specialist receives my information. (Optional. Default unchecked. I can opt out at any time.)"

Both boxes default unchecked. Each is a separate, unbundled choice. Consent is not a condition of purchase or of using any of TRA's free educational tools, and you can use the anonymous path without entering either consent.

When you check Box 1, TRA creates a lead record and immediately posts an anonymized version of it to AAL with the consent type "asked for specialist." When you check Box 2 without Box 1, TRA creates a lead record and posts an anonymized version to AAL with the consent type "planning, opt-in for future matching." If a specialist purchases either listing type, the contact release described in this Section 5 applies. TRA does not pre-screen for fit before listing. The marketplace is where the fit determination happens.

The anonymized lead contains things like your age, state, approximate asset bands, the goal you selected, and a short headline. It does not contain your name, email, phone number, or any other direct identifier. Qualifying partner firms in our reviewed network can see the anonymized listing and use it to decide whether to purchase the right to be matched with you. Only the one partner that purchases the match receives any direct identifier or any of the contents of your plan beyond what is in the anonymized listing.

When a partner firm purchases the match, TRA releases your contact information (name, email, the contents of your plan, and, if you have separately consented to phone or SMS contact, your phone number) to that one partner and only that one partner. From that point forward, the relationship is between you and that partner.

The matched annuity specialist may contact you about annuity-based retirement income solutions that the specialist is licensed to discuss and sell in your state. The specialist is paid on commission for any annuity product you may purchase and may earn a commission if you buy one. There is no obligation. The matched specialist is contractually limited by TRA to discuss annuity-based retirement income solutions only, and is contractually prohibited from using this introduction to solicit fee-based investment advisory services, securities-related services, non-annuity insurance products, or any other engagement outside the scope of annuity discussion. If you later choose to engage the specialist for any service outside the scope of annuity discussion, that engagement is between you and the specialist, must be initiated by you, and is not facilitated by, or attributable to, TRA. You can stop hearing from the specialist at any time by replying STOP, by unsubscribing, or by telling the specialist to stop.

What TRA does promise.

1. One buyer per lead, permanently. A purchased lead is permanently released to one matched specialist. TRA and AAL do not, at any time, resell, re-match, or otherwise transfer your information to any additional specialist.
2. You can opt out. You can opt out of being listed at any time from your account, from /privacy-choices, or by emailing privacy@theretirementatlas.com. If you opt out before a specialist purchases your listing, your listing is removed from the marketplace. If you opt out after a specialist has purchased your listing, AAL suppresses your record and notifies the matched specialist; the specialist's separate obligations to honor your opt-out are described in the specialist's communications with you.
3. Unsold listings expire. If no specialist purchases your listing within ninety (90) days, the listing is removed from the marketplace and no specialist receives your information.

6. What TRA does not do with respect to partner firms

TRA makes the following representations explicit. You agree to these as a condition of using the matching service.

• TRA does not investigate, audit, monitor, supervise, or guarantee any partner firm's qualifications, registration status, regulatory history, disciplinary record, business practices, financial condition, or fitness to advise you, beyond the partner's contractual attestation to TRA that the partner holds the licenses required to discuss and sell the products the partner offers.
• TRA does not endorse, recommend, vouch for, or warrant any specific partner firm. The order in which partners appear in any marketplace listing, or the fact that any specific partner purchases a match, is not an endorsement.
• TRA does not perform due diligence on partner firms on your behalf. Any due diligence is your responsibility (see Section 7).
• TRA does not supervise, control, or direct any communication, advice, recommendation, service, fee, product offering, or other conduct of any partner firm. Once a partner purchases your match, that partner acts independently. TRA has no involvement in, or control over, what the partner says to you or proposes to do for you.
• TRA makes no representation about whether any partner firm's services, fees, products, or strategies will be suitable for you, appropriate for your situation, or beneficial to you in any way.
• TRA does not promise that any partner will purchase your lead, contact you within any particular time, offer you any particular product or fee, or produce any particular financial outcome.

7. Your responsibility before engaging a matched partner

Before you engage any partner firm matched through TRA for any service, sign any agreement, purchase any product, transfer any assets, or make any financial decision based on the partner's recommendations, you are responsible for performing your own due diligence on the partner. At a minimum, that includes:

• Verifying the partner's insurance licenses through your state Department of Insurance (often at the state's "license lookup" page).
• Verifying the partner's registration and disciplinary history, where applicable, through the SEC Investment Adviser Public Disclosure database at adviserinfo.sec.gov and FINRA BrokerCheck at brokercheck.finra.org.
• Reading any product illustration the partner provides, including all fees, surrender periods, guaranteed and non-guaranteed values, and the assumptions used.
• Reading the partner's Form ADV Part 2A brochure and Form ADV Part 3 (Form CRS) if the partner is also an investment adviser.
• Confirming the partner holds the licenses required for the products the partner proposes to sell to you in your state.
• Independently evaluating whether the partner's services, fees, products, and standards meet your needs.
• Asking for and reviewing the partner's privacy policy and any client engagement agreement you would be asked to sign.

You acknowledge that TRA is not a substitute for any of the above. Introduction through TRA is not a recommendation by TRA to engage the partner.

8. The matched partner's role and responsibilities

Any advisory, contractual, sales, or other relationship that arises from a match is solely between you and the matched partner firm. TRA is not a party to that relationship, is not liable under it, and does not earn any portion of fees or commissions you later pay to the partner.

Each matched annuity specialist participating in the marketplace is solely responsible for its own compliance with all laws, regulations, and professional standards applicable to its conduct toward you, including without limitation:

• state insurance-licensing rules requiring the specialist to hold a current insurance producer license with annuity-line authority (sometimes called life-and-annuity authority) in your state;
• the NAIC Suitability in Annuity Transactions Model Regulation as adopted in your state, including the duty to act in your best interest with respect to any annuity recommendation, the disclosure of cash compensation and material conflicts, the documentation of the basis for any recommendation, and the supervision and training requirements thereunder;
• the state best-interest standard for annuity transactions adopted by your state (the NAIC SAT revised model regulation has been adopted in a majority of U.S. states);
• state annuity advertising rules, including any rule requiring conspicuous disclosure of paid-referral arrangements;
• state annuity illustration rules applicable to any product the specialist proposes;
• state annuity replacement and 1035-exchange rules applicable to any product that would replace an existing policy you hold;
• the Telephone Consumer Protection Act ("TCPA"), including consent for autodialed, prerecorded, or AI-generated calls or text messages, STOP and HELP keyword handling, calling-time restrictions, and the National Do Not Call Registry and any state Do Not Call registries;
• state telemarketing and consumer-protection laws, including the Florida Telephone Solicitation Act, the Washington Mass Telephone Practices Act, the Oklahoma Telephone Solicitation Act, the Texas Telephone Solicitation Act and Texas Business and Commerce Code Sections 301–305 (Texas Mini-TCPA, as amended by SB 140 effective September 1, 2025), and equivalents;
• the Gramm-Leach-Bliley Act ("GLBA") and the Safeguards Rule (16 C.F.R. Part 314) with respect to the nonpublic personal information the specialist receives from TRA;
• state financial-privacy laws, including the California Financial Information Privacy Act and any other state financial-privacy law applicable to insurance producers;
• state insurance information privacy regulations modeled on the NAIC Insurance Information and Privacy Protection Model Act;
• the CAN-SPAM Act with respect to any commercial email the specialist sends you;
• the Fair Credit Reporting Act, to the extent applicable;
• carrier-specific annuity training and product-certification requirements applicable to the products the specialist sells; and
• all anti-fraud, anti-money-laundering, consumer-protection, and licensing requirements applicable in your state.

Scope-of-engagement limitation. Each matched specialist is contractually obligated to TRA to use the marketplace introduction solely for the discussion of annuity-based retirement income solutions. If the specialist holds additional licenses or authorizations (for example, as a registered investment adviser, a broker-dealer registered representative, or as an insurance producer with non-annuity authority), the specialist's purchase of the lead through TRA's marketplace is in the specialist's annuity-producer capacity only. Any subsequent investment advisory, securities, or non-annuity insurance engagement between you and the specialist is a separate consumer-initiated relationship outside the scope of, and not facilitated by, TRA's marketplace.

TRA makes no representation about any partner firm's compliance with any of the above, and TRA assumes no responsibility for any partner firm's compliance with, or breach of, any of the above. Any claim you may have for failure to comply with any of the above is a claim against the partner, not against TRA.

You agree that any dispute, claim, or controversy you have with a matched partner arising out of or relating to the partner's conduct, advice, recommendations, services, fees, communications, products, omissions, or compliance is between you and that partner. TRA is not a proper defendant in any such dispute.

9. How TRA makes money

TRA is free for you to use. The journey, calculators, plan surfaces, and PDF report are free. You do not need an account, and you do not need a credit card.

If you affirmatively choose to be introduced to a licensed annuity specialist, TRA may earn money from that introduction. The short version is this: licensed annuity specialists pay Advisor Atlas Leads a flat referral fee when they purchase an introduction. You pay nothing to TRA for that introduction.

The referral fee is paid for the match itself. It is not paid for whether you ultimately engage the specialist. It is not a percentage of your assets. It is not a percentage of any commission the specialist may earn if you later buy an annuity product. The fee does not change based on what the specialist later sells you or charges you.

If you go on to purchase an annuity product or otherwise engage the matched specialist, you and the specialist settle the terms of that relationship directly. TRA is not a party to that relationship, does not recommend any specific product, and does not receive any portion of the specialist's later commission or fees.

What this means for you:

• Using the tools, building the map, receiving the map by email, and downloading the PDF report are free.
• Matching is optional. It only happens if you check one of the separate match-consent boxes described in Section 5.
• If you check "Match me now" or "Open to a match later," an anonymized version of your map may be listed in Advisor Atlas Leads. Your name, email, phone number, and other direct contact details stay hidden unless one specialist purchases the listing.
• A matched specialist is a state-licensed insurance producer with annuity-line authority. The conversation is for annuity-based retirement income solutions only.
• The specialist may earn a commission if you choose to buy an annuity product. TRA does not share in that commission.
• Once a listing is bought, Advisor Atlas Leads does not resell it, re-match it, or hand it to another specialist. Listings that nobody buys drop off after ninety (90) days.
• We do not rank specialists by what they pay us.
• We do not sell your information outside Advisor Atlas Leads.
• You can stop the introductions at any time, before or after contact begins. Reply STOP to any text, click unsubscribe in any email, or email privacy@theretirementatlas.com.

10. Accuracy of the information you give us

The educational outputs and the value of the match both depend on the accuracy of the information you enter. You agree to provide information that is reasonably accurate to the best of your knowledge. You can correct or update the information at any time from within TRA.

11. Acceptable use

You agree not to:

• use TRA on behalf of another person without their authorization;
• enter information you do not have the right to share;
• attempt to access another user's account, plan, or contact information;
• attempt to interfere with, scrape at scale, reverse engineer, or disrupt TRA or the marketplace;
• use TRA as part of a scheme to defraud, mislead, or solicit any other user;
• use TRA if you are a current employee or affiliate of a partner firm participating in the marketplace, except as expressly permitted by your firm's marketplace agreement.

11A. Intellectual property and limited license

The text, illustrations, methodology, planning tools, plan reports, calculators, data tables, and other content available through TRA (collectively, "Content") are owned by us or our licensors and protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to view, use, download, and print Content solely for your personal, non-commercial review and solely in accordance with these Terms. You may not:

(a) reproduce, republish, redistribute, sell, license, or commercially exploit Content;

(b) use Content to train, fine-tune, ground, retrieve-augment, or develop any machine learning model, large language model, generative AI system, or competing product or service;

(c) scrape, harvest, mirror, or copy Content using any automated means, robot, spider, or script outside the normal display of pages to individual users;

(d) remove or alter any copyright, trademark, byline, methodology citation, source link, or other proprietary or attribution notice;

(e) use any TRA trademark, logo, brand name, or related mark, including "The Retirement Atlas," "TRA," "Advisor Atlas Leads," and "AAL," without our prior written permission.

All rights not expressly granted in this Section 11A are reserved.

12. Account and security

If TRA issues you account credentials, you are responsible for keeping them confidential and for activity under your account. Notify us promptly at security@theretirementatlas.com if you suspect any unauthorized access.

13. Phone, SMS, and email contact by the matched annuity specialist

The consent box in Section 1 does not authorize phone calls or text messages to you. If you want the matched annuity specialist to be able to call or text you, you must separately and affirmatively check a TCPA consent box that appears on the screen where you enter a phone number. If you do not check that box, the matched specialist is contractually limited to email follow-up.

TCPA, state telemarketing law (including the Texas Mini-TCPA, Tex. Bus. & Com. Code §§ 301–305 as amended by SB 140 effective September 1, 2025, the Florida Telephone Solicitation Act, the Washington Mass Telephone Practices Act, the Oklahoma Telephone Solicitation Act, and any other applicable state mini-TCPA), and STOP/HELP handling are the matched specialist's responsibility as described in Section 8, not TRA's.

14. No warranties

To the maximum extent permitted by law, TRA is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, or quiet enjoyment. TRA does not warrant that the service will be uninterrupted, timely, error-free, or free of viruses or other harmful components. TRA does not warrant the accuracy, completeness, suitability, or quality of any information, advice, service, or product offered or provided by any partner firm.

14A. Third-party content and external links

TRA's content may quote, summarize, or link to third-party sources (government agencies including the Social Security Administration, the Internal Revenue Service, and the Centers for Medicare & Medicaid Services; financial publications; advisor and research blogs; community forums) for informational and citation purposes.

We do not control these third parties, do not endorse them by linking to them or quoting them, and are not responsible for their content, accuracy, availability, privacy practices, advertising, or any consequence of your interaction with them.

Inclusion of a link or quotation is for citation and educational purposes only. It does not imply TRA's endorsement of the source or the source's endorsement of TRA. You access third-party sites at your own risk.

15. Limitation of liability

To the maximum extent permitted by law:

(a) TRA and its affiliates, officers, employees, agents, suppliers, licensors, and the partner firms (solely with respect to TRA-related claims) will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, business, goodwill, or other intangible losses, arising out of or related to your use of TRA, even if TRA has been advised of the possibility of such damages.

(b) TRA's aggregate liability arising out of or related to these Terms or your use of TRA will not exceed the greater of one hundred U.S. dollars ($100) or the total amount of referral fees TRA actually received in connection with your match in the twelve months preceding the event giving rise to the liability.

(c) TRA is not liable for any act, omission, advice, recommendation, service, fee, communication, product, sale, breach, misconduct, or violation of law by any matched partner firm or any other partner firm. Any claim arising from a partner's conduct must be brought against that partner directly. You waive any claim against TRA based on the conduct of any partner firm, including any claim for negligent referral, failure to supervise, failure to vet, vicarious liability, or apparent or actual agency.

(d) Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, the exclusions and limitations above apply only to the maximum extent permitted by law.

(e) The cap in Section 15(b) does not apply to claims arising from TRA's gross negligence, fraud, or willful misconduct. For all other claims, the cap applies as written. This carve-out preserves consumer remedies for the conduct that is most consequential while maintaining the cap on ordinary claims, consistent with applicable consumer-protection law.

16. Indemnification

You agree to defend, indemnify, and hold harmless TRA, its affiliates, officers, employees, agents, suppliers, licensors, and each partner firm participating in the marketplace, from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of TRA in violation of these Terms or applicable law, (b) information you provided that you did not have the right to provide, (c) any dispute between you and another user of TRA, or (d) any dispute between you and a matched partner firm, to the extent the claim against TRA, an affiliate, or a partner firm arises from your conduct.

17. Dispute resolution, arbitration, and class action waiver

Please read this section carefully. It affects your legal rights.

Informal resolution first. Before filing any claim against TRA, you agree to first contact us at legal@theretirementatlas.com with a written description of the dispute and the relief you seek. We will try in good faith to resolve the dispute informally within sixty (60) days.

Binding arbitration. If the dispute is not resolved informally, you and TRA agree that any claim, dispute, or controversy arising out of or relating to these Terms, your use of TRA, the matching service, or your match data will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules (for claims under $250,000) or its Comprehensive Arbitration Rules (for larger claims), and subject in all events to JAMS Minimum Standards of Procedural Fairness for Consumer Arbitrations (2009, revised 2018). The arbitration will be conducted before one commercial arbitrator, will be governed by the Federal Arbitration Act and not by any state arbitration law, and will take place in Marion County, Indiana (Indianapolis), with hearings available by videoconference at your election. The arbitrator's award is final and may be entered in any court of competent jurisdiction.

Filing-fee allocation. Consistent with JAMS Consumer Minimum Standards, TRA will pay all JAMS filing fees and arbitrator fees in excess of $250 for any consumer claim under $250,000. For consumer claims of $250,000 or greater, JAMS Comprehensive Rules default fee allocation applies.

Disputes involving partner firms. You agree that any dispute, claim, or controversy you have arising out of or relating to your match data, including disputes with any partner firm that purchases your match, must also be resolved by binding individual arbitration under the same terms as disputes with TRA. This arbitration obligation extends to any partner firm that has purchased your match, as a third-party beneficiary of this Section 17.

Class action waiver. You and TRA agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative proceeding. This class-action waiver also applies to any dispute between you and a partner firm that is subject to arbitration under this Section 17.

California McGill carve-out. If you are a California resident, nothing in this Section 17 prevents you from seeking public injunctive relief in a court of competent jurisdiction as required by California law (McGill v. Citibank, N.A., 2 Cal. 5th 945 (2017)). This carve-out applies only to claims for public injunctive relief and does not affect the otherwise-applicable arbitration, individual-action, and class-waiver requirements.

30-day opt-out. You may opt out of this arbitration agreement (Section 17) by sending written notice to legal@theretirementatlas.com within thirty (30) days of first agreeing to these Terms. The notice must include your name, the email used with TRA, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other part of these Terms.

Exceptions. Either party may bring an individual action in small-claims court. Either party may seek injunctive relief in court to protect intellectual property rights. Nothing in this section limits a party's right to report conduct to a government agency or to participate in an investigation by a government agency.

18. Governing law

These Terms are governed by the laws of the State of Indiana, excluding its conflict-of-laws rules and excluding any matter governed by the Federal Arbitration Act. Subject to Section 17, the state and federal courts located in Marion County, Indiana (Indianapolis) have exclusive jurisdiction over any matter not subject to arbitration.

19. Termination

You can stop using TRA at any time. You can also delete your data as described in the Privacy Policy. We can suspend or terminate access to TRA for any user who violates these Terms, who uses TRA in a way that creates legal or regulatory risk, or who attempts to defraud another user or any partner firm. Sections that by their nature should survive termination (including 2, 6, 7, 8, 9, 11A, 14, 14A, 15, 16, 17, 18, 21A, 21B, 21C, and the Privacy Policy) will survive.

20. Changes to these Terms

We may update these Terms. If a change is material, we will give you at least thirty (30) days' notice by email or by an in-product notice before the change takes effect, and we will update the "Effective date" line at the top of this document. Your continued use of TRA after the effective date of the change means you accept the updated Terms. If you do not accept them, you can stop using TRA and request deletion of your data.

21. Other terms

Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and TRA regarding TRA and supersede any prior agreements.

Third-party beneficiaries. Partner firms in our reviewed network are intended third-party beneficiaries of Sections 6, 7, 8, 15, 16, and 17.

Severability. If any provision is held unenforceable, the rest stays in effect.

No waiver. Our failure to enforce a provision is not a waiver of our right to enforce it later.

Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, reorganization, or sale of substantially all of our assets.

21A. Electronic communications and E-SIGN consent

You consent to receive all communications from us electronically, including notices, disclosures, Terms updates, Privacy Policy updates, and the consent records that document your acceptance of these Terms and your participation in the matching service.

You agree that electronic communications and your electronic acceptance of these Terms and the consent boxes described in Section 1 and Section 5 satisfy any legal requirement that such communications, disclosures, or signatures be in writing, including under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001, "E-SIGN") and the Uniform Electronic Transactions Act as adopted in any applicable state, including the Indiana Uniform Electronic Transactions Act, Indiana Code §§ 26-2-8-101 et seq.

You may request a paper copy of any communication at no charge by emailing legal@theretirementatlas.com. You may withdraw consent to receive communications electronically by emailing the same address, but doing so will require you to stop using TRA.

21B. Feedback

If you provide us ideas, comments, criticisms, feature suggestions, or other feedback about TRA (collectively, "Feedback"), you grant us a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, modify, distribute, display, and exploit the Feedback in any form and for any purpose, including incorporating it into TRA. You are not entitled to compensation for our use of your Feedback.

21C. DMCA copyright agent

If you believe content on TRA infringes your copyright, send a written notice meeting the requirements of 17 U.S.C. § 512(c)(3) to copyright@theretirementatlas.com or to The Retirement Atlas LLC, Attn: Copyright Agent, [registered address]. The notice must include: (i) a physical or electronic signature of the person authorized to act on behalf of the copyright owner; (ii) identification of the copyrighted work claimed to have been infringed; (iii) identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate it; (iv) your contact information; (v) a statement that you have a good-faith belief that the use is not authorized; and (vi) a statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or are authorized to act on the owner's behalf. We will respond as required by law.

22. Contact

Questions about these Terms: legal@theretirementatlas.com Privacy questions and rights requests: privacy@theretirementatlas.com Security incidents: security@theretirementatlas.com Copyright notices: copyright@theretirementatlas.com Mail: The Retirement Atlas LLC, [registered address]

*End of TRA Terms of Use v3.1.*