Terms of Service:
Effective Date: July 16, 2025
These Terms of Service ("Terms") govern your use of services provided by the Retirement Education Foundation (“REF”, "we", "our", or "us"), including educational content, workshops, and SMS communications.
1. Acceptance of Terms
By using our services, including opting into SMS messages, you agree to these Terms. If you do not agree, please do not use our services.
2. Eligibility
By using our services, including opting into SMS messages, you agree to these Terms. If you do not agree, please do not use our services.
3. Use of Services
You agree to use REF services for lawful, educational purposes only. You may not misuse our content or services, attempt to disrupt or interfere with our systems, or use our services for commercial solicitation.
4. SMS Messaging
By opting in, you consent to receive SMS messages from REF. Message and data rates may apply. You may opt out at any time by replying STOP.
5. Educational Content
All materials provided by REF are for informational purposes only and do not constitute financial, legal, or investment advice. Always consult a qualified professional before making financial decisions.
6. Intellectual Property
All content provided by REF is protected by copyright and intellectual property laws. You may not reproduce or distribute our materials without written permission.
7. Limitation of Liability
REF is not liable for any indirect or consequential damages arising from your use of our services or reliance on our educational content.
8. Termination
We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason.
9. Governing Law
These Terms are governed by the laws of the State of Virginia, without regard to its conflict of law principles.
10. Contact Us
For questions about these Terms, please contact us at learn@refedu.org.
Privacy Policy:
Effective Date: July 16, 2025
Retirement Education Foundation (“REF”, "we", "our", or "us") is committed to protecting your privacy. This SMS Privacy Policy outlines how we collect, use, and safeguard your information when you opt in to receive text messages from us.
1. Information We Collect
When you sign up for SMS communications from REF, we may collect your mobile phone number, your name (if provided), message interaction data (e.g., delivery confirmations, responses).
2. Purpose of SMS Communications
We use SMS to share educational resources about retirement planning, notify you about upcoming workshops, webinars, or events, and provide reminders or updates related to your participation in REF programs.
3. Message Frequency
You may receive periodic messages. Frequency will vary based on your engagement with REF programs and services. Message and data rates may apply.
4. Opt-Out Instructions
You can opt out at any time by replying STOP to any message. For help, reply HELP or contact us at learn@refedu.org.
5. Data Security
We take reasonable steps to protect your information. However, no method of transmission over mobile networks is completely secure.
6. Third-Party Sharing
We do not sell or rent your mobile information. We may share it with trusted vendors who help us deliver SMS services, under strict confidentiality agreements.
7. Policy Updates
We may update this policy periodically. Updates will be posted on our website and take effect immediately.