Terms and Conditions
Updated Jan 31st, 2024
To use this website, you must be at least 14 years old. If you are age 13 or younger, the use of this site is strictly prohibited.
By using this site and/or by submitting any content to Your Retirement Equation (including posts, photos, comments, and any other material), you agree to the following terms:
1. Acceptable Use
The purpose of this website is to allow our users to exercise their rights under the First Amendment. This means you can use this site to share your thoughts, views, comments, stories, and opinions with the world. However, the rights established by the First Amendment are not unlimited. We, therefore, require you to comply with the following standards:
— Submissions must be factually correct. Publishing false statements can depending on other factors, subject the author to significant civil and/or criminal liability. Only post factually true information or matters of personal opinion which are clearly identified as such.
— By posting any content on Your Retirement Equation, you represent and warrant that your submission is factually correct and not unlawful (i.e., not an invasion of privacy).
— Submissions must be fair and not misleading. For example, if someone was indicted for fraud and the indictment was later dropped, or the defendant was found not guilty, you should include that information in your post. In other words, don’t leave out essential details that make your story misleading.
— Submissions should contain your real contact info (name/email). As a general rule, we will protect our users’ identity to the fullest extent permitted by law, but we may be required to release information when served with a valid subpoena or court order. If you are overly concerned about protecting your identity, it is OK to use a pseudonym.
2. Prohibited Use
You must also comply with the following standards:
— Do not post false, defamatory, or otherwise unlawful material. You are legally responsible for your words, so please don’t lie.
— Do not post material that violates another person’s intellectual property rights (copyrights, etc.).
— Do not post nudity, pornography, or obscenity, including but not limited to “revenge porn.”
— Refrain from profanity/vulgarity.
— Do not post threats of violence/harm.
— Do not post images of minor children except when relevant to the story (i.e., a childcare fraud case).
— Do not post hate speech such as comments attacking other people for their sexual orientation, gender identity, race, religion, national origin, or physical/mental disability, except when necessary to the story (i.e., “Can you believe Jim Cramer said the following things about Meme stocks ….?”)
— Do not bully or harass anyone (criticism is OK when warranted, but please exercise restraint and common decency).
— NEVER encourage any form of self-harm (cutting/suicide, etc.)
— NEVER send us materials related to an ongoing investigation you are a party of (sending documents sealed by a court or under court orders, etc.)
3. Resolution of Complaints Regarding Inappropriate Content
As a matter of policy, Your Retirement Equation will remove any content from this site that we determine, in our sole editorial discretion, to be unlawful, obscene, inappropriate, or unduly offensive. Although we reserve the right to make exceptions from our policies at any time and for any reason. Our policy is to comply with any valid/lawful court orders. However, we can’t promise that we will always comply with every order or judgment we receive. Also, to avoid any confusion caused by cases such as Barnes v. Yahoo!, Inc., 570 F.3d 1096 (9th Cir. 2009), nothing in our Terms of Service may be construed as a promise to remove any content.
We can and will remove Content that we believe, at our sole editorial discretion, should not be on our site. However, unless you have obtained a valid court order proving that something in a post is false, please do NOT ask us to remove Content on the grounds that it is false. We are not the truth police and will not remove Content just because someone has made an unverified claim that a post is false. Disputes over the accuracy of Content posted on Your Retirement Equation should be resolved in court between the author of the post and the subject of the post. It is not necessary, and not appropriate, to name Your Retirement Equation as a party in such a case.
Notwithstanding the above, the images, text, documents, comments, and graphics published at Your Retirement Equation is NOT verified for accuracy by To use this website, you must be at least 14 years old. If you are age 13 or younger, use of this site is strictly prohibited.
4. Grant of Exclusive Rights
By posting material on Your Retirement Equation, you grant to Your Retirement Equation is an irrevocable, perpetual, fully-paid, worldwide exclusive license to use, copy, perform, display and distribute such information and Content, prepare derivative works of, or incorporate into other works, such as information and Content, and to grant and authorize sublicenses of the foregoing.
You represent and warrant that the Content you submit is an original work by you, that you own or control 100% of the rights in and to your Content and the rights granted to Your Retirement Equation in this license, and such rights are and shall be free and clear of any and all claims, rights, and obligations; and that you have the right to grant to Your Retirement Equation the rights granted to us in this license, you do not require the consent of any third party and that there is no contract with any third party that could in any way interfere with Your Retirement Equation rights under this license or requires any payment to be made to anyone by Your Retirement Equation.
To the fullest extent permitted by law, you hereby expressly waive any so-called ‘moral rights’ that may now or may hereafter be recognized by legislative enactment or otherwise at law or in equity with respect to the Content.
Although we reserve the right to remove Content at any time and for any reason, we generally do not remove Content when asked by a person claiming to be the original author. We cannot verify authorship claims and, therefore, will usually not remove Content merely because a person claiming to be the original author asks us to remove something.
5. Copyright Policies
Your Retirement Equation is fully compliant with the Digital Millennium Copyright Act (“DMCA”) 17 U.S.C. § 512, et. seq.
6. Responsibility for Unlawful Content
all written submissions on this site are opinions of third parties and not of Your Retirement Equation. Your Retirement Equation is not responsible for and does not endorse, verify, or ratify any of the written opinions and/or Content submitted by third parties.
7. No Third-Party Beneficiaries
These terms constitute a legal agreement between you and Your Retirement Equation. These terms are not intended to be, and shall not be, enforceable by any third party/parties.
If you do not agree with any of these Terms of Use, please do not use this site. By using this site, you will be deemed to have irrevocably agreed to these terms.
8. Notice of Availability of Parental Control Protections
Federal law, specifically 47 U.S.C. § 230(d), requires the provider of an “interactive computer service” (such as a website) to “notify [each] customer that parental control protections (such as computer hardware, software, or filtering services) are commercially available that may assist the customer in limiting access to material that is harmful to minors.”
9. INDEMNITY. You agree to indemnify us for certain of your acts and omissions. You agree to indemnify, defend, and hold harmless Company, its affiliates, officers, directors, employees, consultants, agents, and representatives from any and all third party claims, losses, liability, damages, and/or costs (including reasonable attorney fees and costs) arising from your access to or use of the Site Your Retirement Equation, your violation of these Terms of Use, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity.
10. SEVERABILITY; WAIVER. If, for whatever reason, a court of competent jurisdiction finds any term or condition in these Terms of Use to be unenforceable, all other terms and conditions will remain unaffected and in full force and effect. No waiver of any breach of any provision of these Terms of Use shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or any other provisions hereof, and no waiver shall be effective unless made in writing and signed by an authorized representative of the waiving party.
11. NO LICENSE. Nothing contained on the Site should be understood as granting you a license to use any of the trademarks, service marks, or logos owned by us or by any third party.
