Terms of Use
Last updated: February 22, 2025
Please read these Terms of Use carefully before using BridgeToRetired.com (the "Site"). By accessing or using the Site, you agree to be bound by these terms. If you do not agree with any part of these terms, do not use the Site.
1. Educational Purpose Only
All content on BridgeToRetired.com — including articles, calculators, spreadsheets, guides, and tools — is provided for educational and informational purposes only. Nothing on this Site constitutes financial, investment, tax, or legal advice.
We are not registered investment advisors, financial planners, tax professionals, or attorneys. The information provided does not take into account your individual financial situation, goals, risk tolerance, or other personal factors.
Always consult a qualified, licensed financial professional before making any retirement, investment, or tax decisions. The stakes in retirement planning are high — professional advice specific to your situation is essential.
2. No Guarantees or Warranties
The Site and all content are provided "as is" without warranty of any kind, express or implied. We make no guarantees regarding:
- The accuracy, completeness, or timeliness of any information on the Site
- The results of using our calculators, planners, or spreadsheets
- The suitability of any strategy described for your specific situation
- Future investment returns, tax rates, or government program benefits
Financial projections and calculator outputs are hypothetical illustrations only. Past performance does not guarantee future results. Actual outcomes will differ from any projections shown.
3. Affiliate Relationships
BridgeToRetired participates in affiliate marketing programs. We may earn a commission when you click certain links and sign up for or purchase third-party products or services. This compensation does not influence the editorial content of the Site, but you should be aware that a financial incentive exists. All affiliate relationships are disclosed in accordance with FTC guidelines. See our full Affiliate Disclosures page.
4. Limitation of Liability
To the fullest extent permitted by law, BridgeToRetired and its owners, authors, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on any content herein. This includes, without limitation, any financial losses, missed investment opportunities, tax penalties, or retirement shortfalls resulting from decisions influenced by content on this Site.
5. Third-Party Links
The Site contains links to third-party websites. These links are provided for convenience only. We have no control over the content, accuracy, or practices of third-party sites and assume no responsibility for them. Linking to a third-party site does not imply endorsement of that site or its content beyond what is explicitly stated on this Site.
6. Intellectual Property
All original content on BridgeToRetired.com — including articles, graphics, calculators, and the Bridge Planner spreadsheet — is the intellectual property of BridgeToRetired. The Bridge Planner is provided free for personal use only. You may not reproduce, distribute, sell, or commercially exploit any content from this Site without written permission.
7. User Conduct
By using this Site, you agree not to:
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to any part of the Site
- Reproduce or redistribute Site content commercially without permission
- Transmit any harmful, offensive, or disruptive content
8. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.
10. Contact
Questions about these Terms? Contact us at hello@bridgetoretired.com.