These TOS (“TOS”) govern your use of this Website. By accessing this Website, you are acknowledging and accepting these TOS. These TOS are subject to change by WORKSHOPS FOR RETIREMENT INC. (“WFR”) at any time and at our discretion without notice. Your use of this Website after any changes are implemented constitutes your acceptance of the changes. As a result, we encourage you to consult the TOS each time you use this Website. The date of the latest update or revision of these TOS will be posted at the top of this Website located at:
https://www.workshopsforretirement.com and any of its related pages (“Website”).
It is your responsibility to review these TOS upon each update. Your continued use of this Website is deemed to be assent to and acceptance of the updated TOS. If you do not agree to the updated TOS as posted you should cease your use of this Website immediately.
You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by WFR, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content.
As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of WFR. For information on requesting such permission, please contact us at firstname.lastname@example.org
THIRD PARTY REFERENCES / HYPERLINKS
This site may link you to other sites on the internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of WFR, and you acknowledge that WFR is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the site by or any association with its operators.
YOUR CONDUCT AND COPYRIGHT INFRINGMENT
We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement where appropriate. If you believe any materials accessible on or from the Website infringe your copyright, you may request removal of those materials (or access thereto) from the Website by submitting written notification to our Copyright Agent. In accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512)(“DMCA”), the written notice (“DMCA Notice”) must include substantially the following:
1. Your physical or electronic signature.
2. Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works.
3. Identification of the material you believe to be infringing, in a sufficiently precise manner to allow us to locate that material.
4. Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
5. A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law.
6. A statement that the information in the written notice is accurate.
7. A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
Our designated Copyright Agent to receive DMCA Notices can be contacted as follows:
Place “Copyright Agent” in the subject line of your email.
If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be reviewed or received, and no resulting action may be taken.
Please be aware that if you knowingly misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and legal fees).
COUNTER-NOTIFICATION PROCEDURES. If you believe that material you posted on the Website was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with us (“Counter-Notice”) by submitting written notification to our Copyright Agent (identified above). The Counter-Notice must include substantially the following:
1. Your physical or electronic signature.
2. An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled.
3. Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
4. A statement under penalty of perjury by you that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled.
5. A statement that you will consent to local Federal District Court jurisdiction, or if overseas, to an appropriate judicial body.
The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter-Notice.
WFR is not acting as a financial or legal advisor and makes no guarantee that you will achieve any particular result from participating in any of WFR’s programs, attending any seminars, or from using any of the information on this site. You are solely responsible for the actions you take with respect to your own financial decisions and WFR make no representations regarding any benefits, profits, revenues or financial gains. All financial professionals we list are unaffiliated third-parties and are responsible for their own disclosures, statements, representations, and expertise. WFR does not control or mandate any form of communications or disclosures from such third-party professionals. Please see our complete disclaimers for details.
USER WARRANTIES AND REPRESENTATIONS
You warrant and represent that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these TOS, and to abide by and comply with these TOS.
You warrant and represent that you will abide by any rules or regulations that WFR publishes with respect to conduct of users of the Website, which rules and regulations are hereby incorporated into these TOS by this reference. WFR reserves the right to deny anyone access to any part of or the entire Website if, in WFR’s sole discretion, any user has failed to abide by these TOS or any other agreement with the WFR, or appears likely to do so.
• User accepts that WFR in its sole discretion may, but has no obligation to, monitor all services or any portion thereof, and/or to oversee compliance with these TOS.
• User represents, warrants and agrees that:
- Access privileges may not be transferred, assigned, sold, or given to any third-parties;
- User will not access, store, distribute or transmit any Viruses;
- User will comply with all applicable laws and regulations with respect to use of the Website;
- User will not rent, lease, sublicense, sell, re-sell, distribute, transfer, copy, claim or modify the Website or any component thereof;
- User will not translate, decompile, or create or attempt to create, by reverse engineering or otherwise, the source code from the object code made available hereunder;
- User will not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit the Website or any portion thereof;
- User will not delete or alter any copyright, trademark or other property rights notices from the Website;
- User is solely responsible for acquiring the hardware, software, and network connections necessary to access and use the Website;
- User will not use the Website in any manner, or in connection with any content, data, hardware, software or other materials that infringe upon or violate any patent, copyright, trade secret, trademark, or other intellectual property right of any third party, or that constitute defamation, libel, invasion of privacy, or violation of any right of publicity or other third party right, or that is threatening, harassing or malicious.
If you need to contact us, you can submit a support ticket at https://www.workshopsforretirement.com/contact-us-page, email us at email@example.com
Our mailing address is:
Workshops for Retirement, Inc
3010 LBJ Freeway, Ste 1259, Dallas, TX 75234
ACCESSING THE WEBSITE
You are responsible for making all arrangements necessary for you to have access to the Website. WFR reserves the right to withdraw or amend the Website, and any service or material that we provide on the Website, in our sole discretion and without notice to you. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period.
DISCLAIMER OF WARRANTIES
ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”) ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. WFR AND ITS AGENTS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL WFR OR ITS AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WFR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, WFR’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE FOREGOING, SUBSCRIBER’S EXCLUSIVE REMEDY AND COMPANY’S ENTIRE LIABILITY, IF ANY, FOR ANY CLAIMS ARISING OUT OF THESE TERMS OF SERVICE, SHALL BE LIMITED TO THE GREATER OF (I) THE AMOUNT PAID BY SUBSCRIBER TO WFR DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM OR ACTION AROSE OR (II) TWO HUNDRED DOLLARS ($200), REGARDLESS OF WHETHER THE CLAIM OR ACTION IS BASED ON CONTRACT, TORT, WARRANTY, INDEMNIFICATION OR OTHERWISE. THE EXISTENCE OF MULTIPLE CLAIMS WILL NOT ENLARGE THIS LIMIT. YOU SHALL BE RESPONSIBLE FOR ALL CLAIMS AND DAMAGES FROM THIRD PARTIES RESULTING FROM THE MISUSE OF THE SERVICES BY SUBSCRIBER.
When using the Website, information will be transmitted over a medium that may be beyond the control and jurisdiction of the Company. Accordingly, the Company assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website.
You agree to maintain the confidentiality of WFR’s confidential information. For the purposes of these TOS, the term “Confidential Information” means all portions of the Website, and includes all other information reasonably expected by WFR to be kept confidential such as client/customer lists, fees, marketing data, software code, and similar items.
SOCIAL MEDIA FEATURES
WFR may use mobile analytics software to allow it to better understand the functionality of its mobile software on your phone. This software may record information such as how often you use the Website, the events that occur on the mobile Website, aggregated usage, performance data, and where the Website was accessed.
Upon a request by WFR, you agree to defend, indemnify, and hold WFR and its other affiliated companies harmless, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of this Website.
SEVERABILITY AND INTEGRATION
Unless otherwise specified herein, this agreement constitutes the entire agreement between you and WFR with respect to this site and supersedes all prior or contemporaneous communications between you and WFR with respect to this site. If any part of these TOS is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
These TOS shall be governed by and construed in accordance with the laws of the State of Texas.
Prior to commencing any litigation, any controversy or claim arising out of or relating to these terms and condition, or the breach thereof, shall first be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Each party shall bear its own costs of such arbitration and the arbitration process will occur by virtual video conference, with a single mutually selected arbitrator. The arbitrator shall use these TOS and any other agreements then in effect between you and WFR to render his/her decision, and may award the victorious party all reasonably incurred legal fees and other costs with respect to the entire process of arbitrating such dispute.
All provisions relating to proprietary rights, payment of fees, confidentiality, disclaimer of warranty, indemnification, and limitation of liability, shall indefinitely survive the expiration or earlier termination of your use of the Website.
All information you provide to us is stored on the servers and platforms of our service providers (through whom we provide our services, through contractual agreements), our partners and other third parties. These service providers, partners and other third parties are responsible for keeping your information safe on their respective servers.
Access by you of your account is available through your provided email address and a password either selected by you, or provided by us via electronic means. You should not divulge your password to anyone and that you ensure you use a secure web browser. WFR cannot be held accountable for activity that results from your own neglect to safeguard the secrecy of your password and user name. If you share a computer with anyone, you should always log out of your account after you are finished, in order to prevent access to your information from subsequent users of that computer.
Please notify WFR as soon as possible if your username or any password is or has been compromised by immediately emailing 323-776-1900. Please include your name, address, telephone number and e-mail address when you contact WFR, and place “Privacy Administrator” in the subject line of your correspondence, if contacting WFR via email.
Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personally identifiable information, you acknowledge that: (a) there are security and privacy limitations of the internet which are beyond our control; (b) the security, integrity and privacy of any and all information and data exchanged between you and WFR through this Website cannot be guaranteed and WFR will have no liability to you or any third party for loss, misuse, disclosure or alteration of such information; and (c) any such information and data may be viewed or tampered with in transit by a third party.
In the unlikely event that WFR believes that the security of your personally identifiable information in our control may have been compromised, we will notify you as promptly as possible under the circumstances. To the extent we have your e-mail address, we may notify you by e-mail and you consent to our use of e-mail as a means of such notification.
If you prefer for us to use another method to notify you in this situation, please notify WFR with the alternative contact information you wish to be used. Please include your name, address, telephone number and e-mail address when you contact us, and place “Privacy Administrator” in the subject line of your email.
Company will not be liable or responsible for any failure to perform, or delay in performance of, any of its obligations that is caused by events outside its reasonable control (“Force Majeure Event”). A Force Majeure Event includes any act, event, non-happening, omission or accident beyond Company’s reasonable control including, but not limited to, restrictions of law, regulations, orders, or other governmental directives, labor disputes, acts of God, third party mechanical or other equipment breakdowns, terrorist attacks, fire, explosions, disease, plagues, pandemic, outbreak of illness, fiber optic cable cuts, interruption or failure of telecommunications or digital transmission links, internet failures or delays, data breaches, storms or other similar events.
CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA)
Accounts made available through this Website are available only to persons of legal age to form a binding contract and who are not persons barred from receiving services under the laws of the United States or other applicable jurisdictions. By registering, you represent that you are a person of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdictions and are accepting these Terms of Service on behalf of yourself. You may not transfer or share your account with anyone. You are liable for all activities conducted through the account.
THIRD PARTY ACTIONS
We do not control and are not liable for the actions of any third parties who we may promote. We pride ourselves in working with quality companies and persons but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.
GEOGRAPHIC AND OTHER RESTRICTIONS
All content, services, functionality, and/or features (collectively, “Service Functionality”), that may be available on or through Website is subject to United States Export Controls. No Service Functionality from the Website may be utilized by a resident of Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country which the United States has embargoed goods; or (b) anyone on the United States Treasury Department's list of Specially Designated Nationals or the United States Commerce Department's Table of Deny Orders. By using any Service Functionality, Subscriber represents and warrants that it is not located in, under the control of, or a national or resident of any such country or on any such list.
We do not knowingly intend to collect personally identifiable information from children under 18 years of age.
We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.
NO THIRD-PARTY BENEFICIARIES
No person or entity not a party to these Terms of Service will be deemed to be a third-party beneficiary of these TOS or any provision hereof.
COMMITMENT TO DATA SECURITY
All information collected from you is stored in a technically and physically secure environment. Furthermore, employees, contractors, and vendors who have access to your personally identifiable information in connection with providing services for us are required to keep the information confidential.
We use SSL encryption to protect sensitive information online, and we do everything we can to protect user information offline. Unfortunately, no transmission over the internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.
WFR, its officers, directors, employees, subsidiaries, affiliates, licensors, service providers, and agents are NOT financial advisors, and nothing contained on this Website is intended to be financial advice. WFR is an investment advisory service, NOT an investment advisor, and does NOT serve as a financial advisor or provide personalized financial advice in any way.
Furthermore, the services, strategies, information, and/or products offered by WFR on this Website and/or elsewhere are not to be interpreted as a promise or guarantee of earnings or any specific result.
The education and information presented by WFR are intended for a general audience and does not purport to be, nor should it be construed as, specific financial, legal, or other advice tailored to any individual. You are encouraged to discuss any opportunities with your attorney, accountant, financial professional, or other advisors.
In fact, your personal level of success in attaining the results from using our information, strategies, and/or products totally depends upon your own individual circumstances, the effort you devote to your own financial success, the ideas and techniques used, your finances, the various strategies that your financial, legal, and other advisors may have suggested that you implement, your knowledge, and various other skills. Since these factors differ among each individual, WFR cannot guarantee your success or income level, nor is WFR responsible for any of your actions.
Any and all forward-looking statements on this Website, and/or in any of our products are intended to express WFR’s opinion of the earnings potential that some people may or may not achieve. To the extent that WFR included any case studies or testimonials on this Website, you can assume that none of these stories in any way represent the “average” or “typical” customer experience.
YOU FULLY AGREE AND UNDERSTAND THAT WFR IS NOT RESPONSIBLE FOR YOUR SUCCESS OR FAILURE AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER THAT OUR PRODUCTS OR SERVICES WILL PRODUCE ANY PARTICULAR RESULT FOR YOU.
YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED ‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WFR DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WOFR DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. WFR ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED ON THIS WEBSITE.
UNDER NO CIRCUMSTANCES WILL WORKSHOPS FOR RETIREMENT INC.BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT CONTAINED ON THIS WEB SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT.