Terms of Use

2. Acceptance of These Terms

By accessing or using the Site, you agree to these Terms. If you do not agree to these Terms, please do not access or use the Site.

Our collection and use of information is described in our Privacy Policy.

3. Educational Purpose of the Website

The Site is primarily educational. It's intended to help visitors learn more about topics such as:

• retirement income
• retirement savings
• Social Security
• Medicare
• longevity
• market-related retirement concerns
• legacy considerations
• insurance-based retirement-income concepts

Content on the Site is general in nature and intended for educational purposes. Individualized insurance recommendations, when appropriate, are provided only through the process described below.

4. No Investment, Tax, or Legal Advice

Blackburn Retirement Strategies is an insurance-focused retirement-income education company. Blackburn does not provide investment management, brokerage services, securities trading, or the management of stocks, bonds, exchange-traded funds, mutual funds, or other securities. Blackburn does not provide tax advice, legal advice, or comprehensive financial planning.

Content on the Site — including articles, guides, videos, calculators, and the Blackburn Retirement Income Planner — is not investment advice, tax advice, legal advice, or a recommendation to buy, sell, hold, or otherwise manage any security or other investment. Blackburn is not an investment adviser, wealth manager, registered investment adviser, or comprehensive financial planner. You should consult appropriately qualified professionals for tax, legal, or investment matters outside Blackburn's scope.

5. No Client or Advisory Relationship Created by Website Use

Using the Site, downloading a resource such as our Free Guide, submitting a form, completing the Blackburn Retirement Income Planner, or scheduling a conversation does not, by itself, create an insurance-client relationship, an advisory relationship, a fiduciary relationship, an attorney-client relationship, a tax-adviser relationship, or any other professional relationship with Blackburn.

Any insurance recommendations or services are subject to appropriate conversations, disclosures, applicable licensing, suitability requirements, and other requirements that may apply.

6. Insurance Discussions and Individualized Recommendations

Individualized insurance recommendations, when appropriate, are provided only after Blackburn has gathered sufficient information about your circumstances and is legally permitted to discuss or recommend the relevant insurance solution. Our ability to provide services may depend on applicable licensing and other legal requirements, which can vary.

7. Accuracy and Availability of Information

Blackburn makes reasonable efforts to provide useful and accurate information on the Site, but retirement rules, tax laws, Social Security and Medicare rules, and other regulations can change, and third-party data we reference may change or become outdated. We do not promise that content on the Site is complete, current, or error-free, and we are not obligated to update every article or resource immediately when circumstances change.

We also do not guarantee that the Site, the Planner, or any other Blackburn tool will be available at all times or free from interruption.

8. Retirement Income Planner and Other Blackburn Tools

The Blackburn Retirement Income Planner, available at planner.blackburnretirement.com, is a Blackburn-related tool intended to help you work through retirement-income questions and organize information about your situation.

The Planner does not provide investment advice, does not generate guaranteed projections, and does not replace individualized analysis. Planner outputs are not guaranteed to be accurate, do not guarantee future income, and do not by themselves constitute an insurance recommendation. Outputs depend on the information you enter and the assumptions used.

Our collection and use of information submitted through the Planner or other Blackburn tools is described in our Privacy Policy.

9. Third-Party Links and Embedded Services

The Site may include links to third-party websites, embedded content such as YouTube videos, scheduling tools, and other third-party services. Blackburn does not control, and is not responsible for, the content or privacy and security practices of third-party websites or services. Those third parties may have their own terms of use and privacy policies, which we encourage you to review.

We do not guarantee the availability, accuracy, or security of any third-party website, service, or embedded content.

10. Communications and Electronic Messages

By voluntarily providing your contact information, and where required, your consent, you may receive communications from Blackburn, such as:

• responses to inquiries you submit
• appointment confirmations and reminders
• educational resources you request
• educational communications you have agreed to receive
• text/SMS communications where you have provided appropriate consent

Specific consent terms for text/SMS communications, where applicable, are presented at the point you provide that consent, such as on a Site form.

11. Intellectual Property

The Site's content — including branding, original text, graphics, guides, educational materials, and other Blackburn-created content — is owned by Blackburn or used with permission, unless otherwise stated. You may use Site content for your own personal, noncommercial, informational purposes.

You may link to pages on the Site. You may not copy substantial portions of Site content for commercial use, republish Site content without permission, remove any proprietary notices, or present Site content as your own.

12. Permitted Use

You may use the Site and its resources for lawful, personal purposes, including reviewing educational content, using the Planner, and submitting forms to communicate with Blackburn.

13. Prohibited Use

You agree not to:

• use the Site for any unlawful purpose
• attempt to gain unauthorized access to the Site or related systems
• interfere with or disrupt the operation of the Site
• introduce viruses, malware, or other malicious code
• scrape or systematically extract Site content at scale without permission
• impersonate another person or entity
• misuse Site forms, such as by submitting false information or automated submissions
• use Site content in a misleading or deceptive way

14. No Guarantee of Results

Retirement outcomes depend on many factors, including market conditions, interest rates, inflation, health, longevity, taxes, spending, insurance-carrier terms, and your personal circumstances. Educational examples on the Site are illustrative, and past performance or hypothetical examples do not guarantee future results.

Blackburn does not guarantee retirement success, protection from market conditions, specific tax results, or specific financial outcomes. Where the Site discusses contractual guarantees associated with a particular insurance product in a properly qualified educational context, that discussion describes the product's own contractual terms, not a promise made by Blackburn.

15. Limitation of Liability

To the fullest extent permitted by applicable law, Blackburn is not liable for any indirect, incidental, special, consequential, or similar damages arising out of or related to your use of the Site or your reliance on general educational content, even if Blackburn has been advised of the possibility of such damages. Nothing in these Terms is intended to limit any liability that cannot be limited under applicable law.

16. Changes to the Website or Terms

Blackburn may update the Site, its tools, its educational content, and these Terms from time to time. If we make material changes to these Terms, we will update the Effective Date at the top of this page. We do not undertake to provide individual notice of every change.

17. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles, except where applicable law requires otherwise.

18. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law.

19. Contact Us

If you have questions about these Terms, you can reach us online, by mail, or by phone:

Online: through our Contact page.

• By mail: Blackburn Retirement Strategies LLC, 821 King George Blvd, Ste C-1093, Savannah, GA 31419
• By phone: 912-465-2548