Terms of Use

Introduction

These Terms of Use explain how you may use earlyretirementdude.com and its associated pages (the Site). The Site is operated by AdvisorWorld.com Inc. By accessing or using the Site, you agree to these Terms and the documents referred to in them, including the Privacy Policy, Cookies and Browser Storage Policy, and Analytics Disclosure.

If you do not accept these Terms, you should stop using the Site.

Definitions, audience, and accessibility

Content means text, images, audio, video, software, calculators, models, data, and other material available on or through the Site. We, us, or our means AdvisorWorld.com Inc. You or your means the person accessing or using the Site.

The Site is intended for individuals who are at least 18 years old.

We seek to make the Site accessible. If you have difficulty accessing the Site or its Content, use the contact page and identify the accessibility issue.

Educational information only

Content is provided for general informational and educational purposes only. It is not individualized financial, investment, tax, legal, accounting, insurance, Social Security, or Medicare advice; it is not a recommendation, solicitation, or offer to buy or sell a security or financial product.

Calculators and examples use disclosed assumptions and simplified models. Results are estimates, not predictions, guarantees, readiness determinations, or substitutes for professional advice. Market returns, inflation, taxes, spending, benefits, and personal circumstances can differ materially from an example. You remain responsible for your decisions and should consult appropriately qualified professionals when needed.

Archive and authorship

Archive articles preserve work by the original Early Retirement Dude and show their original publication dates and archive status. New articles identify Galen Weston as author. Presentation, links, or current caveats may be updated and a revision date may be shown.

Archive status does not mean that every historical statement remains current. Check current authoritative sources before relying on time-sensitive legal, tax, benefit, healthcare, or market information.

Restrictions on use

As a condition of using the Site, you agree not to:

• use the Site for an unlawful purpose or in violation of these Terms;
• introduce malware, interfere with security, or attempt unauthorized access;
• place an excessive load on the Site through abusive automation, scraping, or similar activity;
• copy, modify, distribute, sell, sublicense, or create derivative works from Content except as permitted by law or with our written consent;
• remove ownership notices or represent that AdvisorWorld.com Inc., Galen Weston, or the founding author endorses an unrelated product, service, or person; or
• use the Site to defame, harass, or unlawfully harm another person.

We may restrict or suspend access when reasonably necessary to protect the Site.

Ownership and intellectual property

The Site and its Content are owned by AdvisorWorld.com Inc. and/or its licensors and authors. All applicable copyright, trade-mark, database, design, and other intellectual property rights are reserved.

These Terms give you only the limited right to access and use the Site for lawful personal informational purposes. No other licence is granted by implication, estoppel, or otherwise.

Submissions and communications

Do not send passwords, account credentials, highly sensitive financial figures, confidential business information, patentable ideas, or other information you expect us to keep confidential through ordinary website or email channels.

If you submit a correction, feedback, or other communication, we may use it to respond, investigate, improve the Site, and correct the public record, subject to the Privacy Policy and applicable law. You represent that material you submit is lawful and that you have the right to submit it.

Accuracy, availability, and third-party sites

We use reasonable efforts to provide useful, accurate, and current Content, but do not warrant that Content is complete, current, error-free, or suitable for a particular purpose. The Site may be changed, suspended, or unavailable without notice.

Links to third-party sites are provided for convenience and source transparency. We do not control those sites and are not responsible for their content, availability, security, or privacy practices. A link does not by itself constitute endorsement.

Warranties and limitation of liability

The Site and Content are provided on an “as available” basis. To the maximum extent permitted by applicable law, we disclaim representations, warranties, conditions, and other terms, express or implied, concerning accuracy, completeness, currency, availability, satisfactory quality, or fitness for a particular purpose.

To the maximum extent permitted by applicable law, AdvisorWorld.com Inc. will not be liable for indirect, incidental, special, consequential, or economic loss arising from use of, inability to use, or reliance on the Site or Content. Without limiting the foregoing, we are not liable for a financial or other decision made or action taken or not taken in reliance on Content.

Nothing in these Terms excludes liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence or for fraudulent misrepresentation.

Changes, severability, and entire agreement

We may update these Terms by posting a revised version and changing the Last Updated date. Continued use after a change means you accept the revised Terms. If a provision is unenforceable, the remaining provisions continue in effect. A delay in enforcing a right is not a waiver of that right.

These Terms and the incorporated policies contain the entire agreement concerning your use of the Site. You may not assign your rights or obligations under these Terms without our written consent.

Ontario law and courts

These terms and conditions shall be construed in accordance with and governed by the laws in effect within the Province of Ontario, Canada, and the parties attorn to the exclusive jurisdiction of the Courts of Ontario.

The parties acknowledge that they have required that these terms and conditions and all related documents be prepared in English. Les parties reconnaissent avoir exigé que la présente convention et tous les documents connexes soient rédigés en anglais.

Contact information

Use the Early Retirement Dude contact page or the AdvisorWorld official contact form. Privacy enquiries may also be sent to support@advisorworld.com with the subject line Early Retirement Dude privacy.

Mailing address:
AdvisorWorld.com Inc.
105-326 Carlaw Ave
Toronto, Ontario M4M 2P2
Canada