Terms of Service

Effective Date: October 29, 2026

Welcome to Retia Life Compass. These Terms of Service ("Terms") govern your access to and use of the website located at https://retiaatmnet.com/ (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Informational Purpose Only

The Site provides general, non-financial information about retirement lifestyle topics, including purpose, wellness, relationships, community, and lifelong learning. The content is for informational and educational purposes only. It is not professional advice of any kind, including financial, legal, medical, or psychological advice. You should consult qualified professionals for advice tailored to your situation.

2. No Affiliation with TIAA

The Site is an independent project. It is not an official TIAA website and is not affiliated with, endorsed by, sponsored by, or approved by TIAA, its affiliates, or any financial institution. References to the "TIAA Retirement Mosaic" are made for descriptive and educational purposes only and do not imply any connection or endorsement.

3. No Financial Products or Advice

The Site does not offer, promote, or provide financial products, investment advice, retirement account guidance, or any money-related services. Nothing on the Site should be interpreted as a recommendation to buy, sell, or hold any financial product. The Site is strictly a non-financial lifestyle resource.

4. Acceptable Use

You agree to use the Site only for lawful, personal, non-commercial purposes. You may not:

5. Intellectual Property

All content on the Site, including text, graphics, logos, and design elements, is owned by or licensed to Retia Life Compass and is protected by applicable intellectual property laws. You may share links to the Site and quote brief excerpts for personal, non-commercial use, provided you attribute the source. Any other use requires our prior written consent.

6. Third-Party Links and Resources

The Site may contain links to third-party websites or resources for convenience. We do not control and are not responsible for the content, policies, or practices of those third parties. Accessing third-party sites is at your own risk.

7. Disclaimer of Warranties

The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that the information is complete, accurate, or current.

8. Limitation of Liability

To the fullest extent permitted by law, Retia Life Compass and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, even if advised of the possibility of such damages. Our total liability for any claim arising from these Terms or the Site shall not exceed the amount you paid to us, if any, for accessing the Site.

9. Indemnification

You agree to indemnify and hold harmless Retia Life Compass and its operators from any claims, damages, losses, or expenses arising from your violation of these Terms or your misuse of the Site.

10. Changes to These Terms

We may update these Terms from time to time. The effective date at the top of this page indicates when the Terms were last revised. Your continued use of the Site after changes constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any dispute arising from these Terms or the Site shall be resolved in the state or federal courts located in Delaware.

12. Contact

For questions about these Terms, please contact us at [email protected].

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