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Copyright and Terms of Use

 Last updated September 2009

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Please note the following:
All content on www.retirementdictionary.com is the property of by Appleby Retirement Dictionary, unless otherwise stated. Unless written permission is provided by Appleby Retirement Dictionary, reproduction in whole or in part, is prohibited. However, we do encourage users to mention our website. We also expressly give permission to link any area of our website to yours.
Users of www.retirementdictionary.com may display, print, download any of the content for their own use, to the extent that such use constitutes "fair use" of the Content under the Copyright Act of 1976 (17 U.S.C. §107), as amended, providing the material is not modified and all proprietary notices and source references on the Content are kept intact.
When users access www.retirementdictionary.com , they agree to the following terms of use:
  • They may retrieve the contents for informational purposes only.
  • They may save a local copy or send it to their printer for their own personal use or in order to inform authorized and potential users about Appleby Retirement Dictionary. However, they may not charge for such use.
  • They must include the copyright notice in any copy that they make.
  • They may not modify the information without the express permission of Appleby Retirement Dictionary
Please do not hesitate to contact us if you wish to license any of our content. Licenses content will include out copyright, but will not include links to our website, unless you want to include those links. This will help to keep traffic on your website, instead of diverting traffic to www.retirementdictionary.com
This site is published with the understanding that the publisher is not engaged in rendering legal or investment services. Since each individual's situation is unique, a qualified professional should be consulted before making tax, legal or investment decisions. We make no guarantees as to the accuracy, thoroughness or quality of the information, and are not responsible for errors or omissions.
Third Party Web Sites, Services and Software. We may link to, or promote Websites or services from other companies or offer Users the ability to download software from other companies. You agree that we are not responsible for, and do not control, those Web sites, services and software.
ALL CONTENT IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. APPLEBY RETIREMENT DICTIONARY MAKES NO REPRESENTATION AS TO THE SUITABILITY OF ANY PRODUCT OR SERVICES DESCRIBED HERIN. APPLEBY RETIREMENT DICTIONARY DISCLAIMS ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES OF ANY KIND TO A USER . THIS INCLUDES ANY WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, TIMELINESS AND FITNESS FOR A PARTICULAR PURPOSE. APPLEBY RETIREMENT DICTIONARY SHALL NOT BE LIABLE IN ANY WAY (WHETHER FOR NEGLIGENCE, BREACH OF CONTRACT, TORT, OR OTHERWISE) TO A USER OR TO ANY OTHER INDIVIDUAL OR ENTITY FOR ANY UNAVAILABILITY, DELAYS, INACCURACIES, BUSINESS INTERRUPTION, ERRORS OR OMISSIONS FOR ANY ACTIONS TAKEN OR FOR ANY DAMAGES, ,UNLESS DUE TO WILLFUL INJURIOUS MISCONDUCT OR GROSS NEGLIGENCE BY REASON OF NONPERFORMANCE, OMISSION, INTERRUPTION, OR TERMINATION, OF THE CONTENT OR THE WEBSITE OR SERVICE BY WHICH THEY ARE PROVIDED FOR ANY CAUSE WHATSOEVER. UNDER NO CIRCUMSTANCES WILL APPLEBY RETIREMENT DICTIONARY BE LIABLE FOR ANY, CONSEQUENTIAL, PUNITIVE, INDIRECT, SPECIAL OR INCIDENTAL DAMAGES.
Additional Terms and Notices.
Any information provided in any area of this website cannot be construed as tax advice, legal advice, financial planning advice, investment advice, or estate planning advice or services, and is not intended to be used by any party for the purpose of avoiding penalties or taxes that may be imposed by the IRS or any other regulatory body, and cannot be used for such purposes. Individuals, businesses or any other parties must consult with their financial professional, tax professional or legal professional for advice related to their specific needs.
Appleby Retirement Dictionary may provide opinions on retirement plans suitability, such as which type of IRA is suitable for a specific client, or which type of retirement plan is suitable for a particular small business, which distribution option is more beneficial or beneficiary designations. However, such opinions cannot take the place of tax or legal advice, and is given only in the general sense.
All reference material, including tutorials, articles, case studies and overviews are high level description of the retirement plan or subject matter addressed in the material. The actual administration of retirement plans and retirement planning involves much more than what is covered in these materials, and the topics covered are usually subject to much more detailed requirements for each individual, than that which is explained in this website.
For a detailed description of any particular feature, benefit, rules or regulation, a business owner or individual taxpayer should consult with an ERISA attorney or other tax professional.
Warranties
There are no warranties, expressed or implied, as to the accuracy, suitability completeness or results obtained from any information contained within this website.
Appleby Retirement Dictionary cannot and does not guarantee or warrant that any files that users may download are free from virus. Users must employ or implement their own protective devices on their computers and other electronic devices to protect same against viruses or other destructive properties that may be transmitted by downloading files.
Errors Omissions and Limitation of Liability
While we make reasonable effort to ensure that the material is free of errors and typographical error, such may occur. As such, we appreciate receiving feedback on any errors or any suggestions for improvement on the content or the website in general.
Use of Fictitious Persons
Any reference to any individual, company or any other party in any examples used on this website is not related to any real person, and is fictitious unless otherwise noted.
Links
We may link to other websites. However, Appleby Retirement Dictionary does not endorse, vouch for the accuracy of content, or recommend any website to which we provide a URL, hyperlink or any other means of providing a link from our website to the other website.
Advertisers Not endorsed
Appleby Retirement Dictionary makes reasonable efforts to ensure that advertisers on our site are reputable. However, we cannot vouch for any such advertisers. As such, an advertisement on our website is not an indication that we endorse the advertiser. Individuals should consult their own research to determine whether a participate company suits their needs, wants, goals and objectives.
Not Responsible for Damages/Losses
Appleby Retirement Dictionary will not be held liable for any losses or damages incurred by individuals who use our services. Individuals must consult with their tax and/or legal professional regarding any financial decision regarding a choice of retirement plan or planning methods
Consent
Any individual that uses this website agrees to the terms of use and disclaimer, by virtue of using the website. Any changes to our terms of use and disclaimer will be posted here.
Please send questions and/or comments about our disclaimer or terms of use to:
Privacy
We collect no information about our users that is not supplied voluntarily through web forms or e-mail. Any information collected in this manner is never shared with anyone unless expressly requested by the user. We do not sell or reveal user information to anyone. We may at times collect anonymous tracking information to gauge usage patterns and the popularity of specific areas of the site. As with all other information, these data do not leave RetirementDictionary.com.
Some of this data is gathered through the use of cookies. Cookies may be deactivated by the user at any time. They are not required for any RetirementDictionary.com site to function properly. Transparent gifs or pixels may occasionally be used for the same purpose, but these items gather no personal data and have no effect on site use or navigation.
All of our newsletters are strictly opt-in, meaning that they are sent only to those who have specifically requested to receive them. Unsubscribe instructions are included at the bottom of each issue. Some newsletter issues include advertising, clearly identified as such.
By signing up to receive our email newsletters, users also agree to receive occasional email announcements and special offers from our partners. However, no information gathered from newsletter subscribers, including e-mail addresses, is ever shared with or sold to any third-party. We are not responsible for the claims or representations made by advertisers and sponsors.
If you need to know your personal information that we have under our control , please use the ‘contact us’ form to request that information. You request will be honored within 30-business days.
 
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Copyright©
Copyright by RetirementDictionary.com, Inc. ALL RIGHTS RESERVED.
Reproduction of all or part of this glossary, in any format, without the written consent of Appleby Retirement Dictionary is prohibited.
This agreement is governed by the laws of the United States of America
Appleby Retirement Dictionary is a service of Appleby Retirement Consulting Inc.