1. Acceptance of These Terms

By accessing or using these websites, you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of the websites.

2. Purpose of the Websites

These websites are intended to provide educational information regarding retirement income planning, retirement tax planning, Roth IRA conversions, and related financial topics. They are not intended to provide individualized professional advice.

3. Permitted Use

You may view, download, and print website materials for your own personal, non-commercial educational use, provided all copyright and proprietary notices remain intact.

4. Intellectual Property

Unless otherwise indicated, the articles, graphics, logos, videos, presentations, downloads, and other content on these websites are owned by Dr. Harold Wong or used with permission and are protected by applicable intellectual property laws.

5. User Conduct

You agree not to misuse the websites, attempt unauthorized access, interfere with website operation, introduce malicious software, or use the content in violation of applicable law.

6. No Warranties

The websites and their content are provided 'as is' and 'as available.' No warranty is made that the websites will always be uninterrupted, error-free, or free from harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, Dr. Harold Wong and Retirement Tax Insiders shall not be liable for damages arising from the use of, or inability to use, these websites or their content.

8. External Links

Links to third-party websites are provided for convenience and educational purposes only. We do not control or endorse third-party content and are not responsible for it.

9. Changes to the Websites

We reserve the right to modify, suspend, or discontinue any portion of the websites or their content at any time without prior notice.

10. Changes to These Terms

These Terms of Use may be revised periodically. Continued use of the websites after revisions are posted constitutes acceptance of the updated Terms.

11. Governing Law

These Terms of Use are governed by the laws of the State of Arizona, without regard to conflict-of-law principles.

12. Contact Information

Questions regarding these Terms of Use may be submitted using the contact information published on either website.

Summary of Key Terms

• Use the websites for personal educational purposes.
• Do not copy or redistribute content without permission.
• Review the Website Disclaimer and Privacy Policy together with these Terms.
• Consult qualified advisers before implementing financial or tax strategies.

We may update these Terms as the websites evolve.