Terms & Conditions

Teacher Pension Reality | Strategic Retirement Planning for Educators

Effective Date: April 1, 2026

1. Agreement to Terms

By accessing or using this website, scheduling a strategy review, or engaging with our services (“Services”), you agree to be bound by these Terms & Conditions.

If you do not agree, you should not use this website or Services.

2. Description of Services

Teacher Pension Reality provides:

  • Educational retirement strategy reviews

  • Pension and supplemental account analysis

  • Social Security participation review

  • General financial education and planning insights

All services are informational and educational in nature and may involve licensed professionals.

3. No Financial, Legal, or Tax Advice

The information provided through this platform:

  • Is for educational purposes only

  • Does not constitute financial, investment, legal, or tax advice

  • Should not be relied upon as a substitute for professional advice

You are encouraged to consult with qualified professionals before making financial decisions.

4. No Client Relationship

Using this website or scheduling a strategy review does not automatically establish:

  • A client-advisor relationship

  • A fiduciary relationship

  • Any ongoing advisory obligation

Any formal relationship must be established through a separate written agreement.

5. Eligibility

You must be at least 18 years old to use this website and Services.

By using this platform, you confirm:

  • You are legally able to enter into a binding agreement

  • Information you provide is accurate and complete

6. User Responsibilities

You agree to:

  • Provide accurate and truthful information

  • Use the platform only for lawful purposes

  • Not attempt to disrupt or interfere with the system

You agree not to:

  • Misrepresent your identity

  • Submit false financial or personal data

  • Attempt unauthorized access to systems

7. Confidentiality & Data Use

We treat your submitted information as confidential and use it only for:

  • Strategy review analysis

  • Communication related to your request

Please refer to our Privacy Policy for full details on how your data is handled.

8. Third-Party Services

We may connect you with or reference third-party professionals or services.

We are not responsible for:

  • Services provided by third parties

  • Outcomes of decisions made based on third-party interactions

  • Any agreements entered outside our platform

9. Intellectual Property

All content on this website—including:

  • Text

  • Graphics

  • Branding

  • Layout

  • Educational materials

is the property of Teacher Pension Reality or its licensors.

You may not:

  • Copy, reproduce, or distribute content

  • Use materials for commercial purposes without permission

10. Limitation of Liability

To the fullest extent permitted by law, Teacher Pension Reality shall not be liable for:

  • Any financial decisions made based on provided information

  • Loss of income, retirement outcomes, or financial performance

  • Indirect, incidental, or consequential damages

Use of this platform is at your own risk.

11. Indemnification

You agree to indemnify and hold harmless Teacher Pension Reality from any claims, damages, or liabilities arising from:

  • Your use of the Services

  • Your violation of these Terms

  • Your reliance on information provided

12. No Guarantees

We do not guarantee:

  • Specific financial outcomes

  • Retirement projections accuracy

  • Pension or Social Security results

All projections are estimates based on available data and assumptions.

13. Scheduling & No-Obligation Review

  • Strategy reviews are confidential and no-obligation

  • No product discussion occurs during the initial review (as stated on your page)

  • Participation does not require purchase of any service

14. Communications Consent

By submitting your information, you agree to be contacted via:

  • Email

  • Phone

  • SMS (if provided)

These communications are related to your inquiry or scheduled review.

You may opt out at any time.

15. Termination of Access

We reserve the right to suspend or terminate access to our Services at any time if:

  • Terms are violated

  • Misuse is detected

  • Required for legal or security reasons

16. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

17. Dispute Resolution

Any disputes shall be resolved through:

  1. Good faith negotiation

  2. If unresolved, binding arbitration in California

You agree to waive participation in class action lawsuits.

18. Changes to Terms

We may update these Terms at any time.

Updates will be posted with a revised “Last Updated” date.

Continued use of the Services constitutes acceptance of the updated Terms.

19. Contact Information

For questions regarding these Terms:

Teacher Pension Reality
📧 Email: [email protected]