Last Updated: September 2026

Welcome to Becoming Authentic Retirement.

These Terms of Use govern your access to and use of the Becoming Authentic Retirement website and related content, resources, materials, and services.

By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, please discontinue use of the website.

Educational and Informational Purposes

Content provided through Becoming Authentic Retirement is intended for general educational, informational, and inspirational purposes.

Nothing provided through this website, blog, social media accounts, courses, workshops, presentations, videos, emails, worksheets, downloadable materials, or other content constitutes individualized medical, psychological, financial, investment, legal, tax, insurance, or other professional advice.

You are responsible for evaluating information and making decisions appropriate to your own circumstances and for consulting qualified professionals when appropriate.

Please review the separate Disclosures & Disclaimer page for additional information.

No Professional Relationship

Your use of this website or its content does not create a physician-patient, therapist-client, attorney-client, financial adviser-client, fiduciary, or other licensed professional relationship between you and Becoming Authentic Retirement or its owner.

Participation in educational courses or workshops likewise does not, by itself, create such a professional relationship.

Assumption of Responsibility

You are responsible for your own decisions and actions.

Any information, exercises, suggestions, recommendations, reflections, resources, or examples provided by Becoming Authentic Retirement should be evaluated according to your individual circumstances.

You assume responsibility for decisions you make based upon information obtained through this website or related content.

No Guarantees

Becoming Authentic Retirement does not guarantee any particular personal, health, emotional, relationship, career, retirement, financial, or other result from using its information, products, services, courses, exercises, recommendations, or resources.

Individual circumstances and results vary.

While reasonable efforts are made to provide accurate and useful information, no guarantee is made that all information is complete, accurate, current, reliable, or appropriate for every individual.

Intellectual Property

Unless otherwise indicated, original content created for Becoming Authentic Retirement—including written material, articles, graphics, course materials, presentations, worksheets, exercises, frameworks, videos, photographs, downloadable resources, branding, and other original materials—is owned by or licensed to Becoming Authentic Retirement and is protected by applicable intellectual-property laws.

Content is provided for personal, noncommercial use unless otherwise stated.

You may not reproduce, republish, sell, distribute, upload, modify, create commercial derivative works from, or commercially exploit Becoming Authentic Retirement materials without prior written permission.

Downloading or purchasing a worksheet, handout, course, presentation, or other resource does not transfer ownership of the underlying intellectual property.

Personal Use of Downloadable Materials

Unless otherwise stated, downloadable worksheets, handouts, exercises, guides, and similar materials are provided for your individual personal use.

They may not be resold, redistributed, reproduced for commercial purposes, incorporated into another course or program, or presented as your own work without written permission.

User Conduct

You agree not to use this website:

·      For unlawful or fraudulent purposes

·      To interfere with the operation or security of the website

·      To attempt unauthorized access to website systems

·      To distribute malware or harmful code

·      To violate another person’s intellectual-property or privacy rights

·      To reproduce or commercially exploit protected content without authorization

Affiliate Relationships

Becoming Authentic Retirement may participate in affiliate marketing programs and may receive compensation when visitors purchase products or services through certain links.

Affiliate relationships do not guarantee or warrant the quality, effectiveness, safety, suitability, or availability of third-party products.

As an Amazon Associate I earn from qualifying purchases.

Please review the Disclosures & Disclaimer page for additional information regarding affiliate relationships.

Third-Party Products and Services

Becoming Authentic Retirement may discuss, recommend, review, or link to products and services offered by third parties.

Becoming Authentic Retirement does not manufacture or control those products or services and is not responsible for third-party pricing, availability, shipping, warranties, returns, safety, customer service, product claims, or performance.

Any transaction with a third-party seller or service provider is between you and that third party.

External Links

This website may contain links to websites operated by third parties.

Becoming Authentic Retirement does not control those websites and is not responsible for their content, security, availability, accuracy, privacy practices, terms, products, or services.

Accessing third-party websites is at your discretion.

Limitation of Liability

To the fullest extent permitted by applicable law, Becoming Authentic Retirement and its owner will not be liable for losses, damages, injuries, claims, or expenses arising from or related to your use of, inability to use, or reliance upon this website, its content, resources, recommendations, products, courses, downloads, third-party links, or services.

Nothing in these Terms of Use is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Becoming Authentic Retirement and its owner from claims, liabilities, damages, losses, and reasonable expenses arising from your unlawful use of the website, violation of these Terms of Use, or infringement of another party’s rights.

Availability of Website and Content

Becoming Authentic Retirement may modify, update, suspend, remove, or discontinue website content, features, products, resources, or services at any time.

Continuous or uninterrupted availability of the website is not guaranteed.

Changes to These Terms

These Terms of Use may be revised periodically.

Changes become effective when the revised Terms are posted on the website unless otherwise required by applicable law.

The “Last Updated” date at the top of this page indicates the most recent revision.

Governing Law

These Terms of Use are governed by the laws of the State of Arizona, without regard to conflict-of-law principles, except where applicable law requires otherwise.

Contact

Questions regarding these Terms of Use may be submitted through the Contact page on the Becoming Authentic Retirement website.