Terms & Conditions.

Draft for review. Retire.Courses has no visitor terms yet: the Terms page in PMP covers advisors using PMP, not people using this site. This is a starting draft for counsel. Nothing here is final.

These terms cover your use of retire.courses and the advisor pages published on it. Retire.Courses is operated by Nexruto LLC, 1207 Delaware Ave #4842, Wilmington, DE 19806. By using the site you agree to these terms and to our Privacy Policy.

What Retire.Courses is.

Retire.Courses lists retirement education courses, events, guides and other resources created by independent financial professionals. Each advisor page is written and run by the advisor named on it, who is solely responsible for its content and for any services they offer. Nexruto LLC is not a broker-dealer or a registered investment adviser and does not give investment, tax or legal advice. A listing is not an endorsement or a rating of any advisor.

Education, not advice.

Everything on the site is general and educational. It is not a recommendation to buy or sell any security or to follow any strategy, and it may not fit your situation. Talk with a qualified professional before making financial decisions.

Registering for a course or requesting a resource.

When you register or request a resource, your details go to Retire.Courses and to one advisor: the one who shared it, or for a home page sign-up, the one nearest you. That advisor may pay Retire.Courses a flat fee for marketing. We do not sell or rent your details to anyone else. You agree that the advisor and Retire.Courses may email you about what you asked for and related resources. No form asks for your phone number with your request: right after it, you may add one. If you asked for a consultation and add a number, the advisor may call you at it about scheduling the consultation. You can opt out of emails with the link in any email. We text you only if you opt in to texts in that same step, below.

Course times, places and content are set by the advisor and can change. If a course is moved or cancelled, the advisor's office will try to let you know using the details you gave.

Text messages.

Program. Retire.Courses course texts: automated texts from Retire.Courses about the course you signed up for, such as a reminder the weekday before it and another an hour before it starts, and about upcoming courses, sent from our texting number. A reminder for an online course carries your own link to join it.

How you opt in. Texts are optional. After you sign up on retire.courses (an advisor page or the home page), you can add your mobile number and choose Yes, Text Me. Choosing No texts, please, or leaving the number out, means no texts; a number you give for a consultation without choosing Yes is for the advisor's call only. Nothing else on retire.courses agrees to texts. We never text a number that has not opted in, and agreeing is not required to attend a course, get the guide or ask for a consultation.

How many. We send at most 6 texts per calendar year, and often fewer. The first text confirms that you opted in.

When. Texts go on weekdays between 10 AM and 4 PM your time. There are two exceptions: the one text confirming that you opted in, which goes right away, and the reminder an hour before a course you registered for, which goes at that time on any day, but never before 8 AM or after 9 PM your time.

Costs. Message and data rates may apply, depending on your mobile plan.

Stopping and help. Reply STOP to any text to stop them; you will get one text confirming it and no more after it. Reply HELP for help, or email support@nexruto.com.

Carriers. Mobile carriers are not liable for delayed or undelivered messages.

Privacy. Your mobile number and your text message opt-in are never shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy.

Using the site.

Please use the site only for its purpose: finding and signing up for education. Don't submit someone else's details without their permission, try to break or overload the site, or copy its content for commercial use.

Links to other sites.

Advisor pages may link to other sites, such as an advisor's calendar or a regulator's public record. We don't control those sites and aren't responsible for them.

No warranty and limits on liability.

The site is provided as it is. To the extent the law allows, Nexruto LLC is not liable for decisions made using information on the site or for the acts of the advisors listed on it. [Counsel to confirm the wording and the governing law.]

Changes to these terms.

We may update these terms. The date below shows when they last changed. Using the site after a change means you accept the new terms.

Contact.

Questions about these terms: Nexruto LLC, 1207 Delaware Ave #4842, Wilmington, DE 19806.

Draft dated October 14, 2026.