Terms of Service

Last updated: October 3, 2025

Important: These Terms govern your use of our website and online materials. They do not replace any client agreements or disclosures you sign when engaging Texas Retirement Solutions for financial or insurance services.

1) Acceptance of Terms

By accessing or using our website, event pages, downloads, or other online properties (collectively, the “Site”), you agree to these Terms. If you do not agree, do not use the Site.

2) Eligibility & Geography

The Site is directed to residents of the United States. Services described may not be available in all states or jurisdictions and may be subject to licensing and registration requirements.

3) Services & No Advice

The Site provides general educational information about retirement planning, insurance, and related topics. Nothing on the Site is investment, legal, tax, or accounting advice, nor a recommendation to buy or sell any product or security. Any client relationship with TRS is governed by separate written agreements and disclosures provided at engagement.

4) Accounts, Security & Communications

• You may be able to subscribe to newsletters, register for events, or request consultations. You agree to provide accurate information and to keep it current.
• By submitting your contact information, you consent to receive communications from us (email, phone, SMS if opted in). You can opt out of marketing at any time.
• If the Site provides login features, you are responsible for safeguarding credentials and for activity under your account.

5) Acceptable Use

• Do not misuse the Site (e.g., attempt to gain unauthorized access, interfere with operation, introduce malware, scrape or harvest data, or use automated means without permission).
• Do not post or transmit unlawful, infringing, or harmful content.
• Use the Site only in compliance with applicable laws and regulations.

6) Website Content & Intellectual Property

All content on the Site—including text, graphics, logos, icons, images, videos, downloads, and design elements—is owned by TRS or our licensors and protected by intellectual property laws. You may make personal, non-commercial use of the Site. Any other use (including reproduction, modification, distribution, or public display) requires our prior written consent.

7) Third-Party Links & Tools

The Site may contain links to or embed third-party websites, tools, or widgets (e.g., maps, scheduling, analytics, social media). We do not control and are not responsible for third-party content or practices. Use at your own discretion and review their terms and privacy policies.

8) Testimonials, Endorsements & Results

Testimonials or endorsements reflect individual experiences and may not be representative. Results are not guaranteed. Where required, we disclose any material connections. Statements regarding performance are illustrative and may not reflect future outcomes.

9) Market Data, Educational Materials & Forward-Looking Statements

Market data, charts, calculators, or articles are for educational purposes only and may rely on third-party sources believed reliable but not guaranteed. Any forward-looking statements are inherently uncertain and actual results may differ.

10) Privacy

Your use of the Site is also subject to our Privacy Policy. If you are a client, our GLBA Financial Privacy Notice governs non-public personal information collected in connection with services.

11) Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

12) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TRS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, ARISING FROM OR RELATED TO YOUR USE OF THE SITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

13) Indemnification

You agree to defend, indemnify, and hold harmless TRS and its affiliates from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or misuse of the Site.

14) Governing Law & Venue

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. You agree to the exclusive jurisdiction and venue of the state and federal courts located in Potter County, Texas, for any dispute not subject to separate client agreements.

15) Changes to the Site & to These Terms

We may modify or discontinue the Site (in whole or part) at any time. We may update these Terms occasionally; the “Last updated” date reflects the latest revision. Material changes will be posted on this page and/or communicated as appropriate. Your continued use of the Site after changes constitutes acceptance.