Disclosures, Privacy Policy & SMS Terms

Last updated: September 2, 2026

This page contains the disclosures for US Retirement Educators ("we," "us," "our"). By using this website, our social media pages, or any of our content, you agree to the terms below.

1. Educational Purpose Only

All content published by US Retirement Educators — including website pages, blog posts, social media posts, videos, and downloadable materials — is provided for general educational and informational purposes only. It is not, and should not be construed as, personalized financial, investment, tax, or legal advice. Your individual circumstances are unique, and you should consult a licensed financial advisor, tax professional, or attorney before making any decision based on information found here.

2. No Government Affiliation

US Retirement Educators is a private organization and is not affiliated with, endorsed by, or connected to the Social Security Administration (SSA), the Centers for Medicare & Medicaid Services (CMS), the federal Medicare program, or any other government agency. Any reference to government programs (including Social Security and Medicare) is for informational purposes only.

3. Not Affiliated with Facebook or Meta

US Retirement Educators' presence on Facebook is independently operated. This page, our website, and our content are not sponsored, endorsed, administered by, or in any way officially connected with Facebook, Meta Platforms, Inc., Instagram, or any of their affiliates or subsidiaries. Facebook, Meta, and Instagram are trademarks of Meta Platforms, Inc. Any use of these platforms is subject to their own respective terms of service and policies, separate from this disclosures page.

4. Insurance & Annuity Information

Insurance-related content on this site may be provided by, or in partnership with, individually licensed insurance agents. Annuities and other insurance products discussed on this site are not deposits, are not FDIC- or NCUA-insured, are not bank-guaranteed, and are subject only to the financial strength and claims-paying ability of the issuing insurance company. Guarantees referenced in any content are backed solely by that issuing company, not by US Retirement Educators. Past performance of any market index, strategy, or product is not a guarantee of future results.

5. Working With Licensed Partners

In some cases, US Retirement Educators refers individuals to independently licensed insurance agents or financial advisors within our partner network to provide personalized guidance. By submitting your contact information through our website, forms, or social media, you consent to be contacted by US Retirement Educators and/or a licensed agent or advisor in our network regarding insurance and retirement-planning products and services, by phone, email, or text message, even if your number is on a state or federal Do Not Call registry.

6. Text Message (SMS) Consent

By opting in to receive text messages from US Retirement Educators, you consent to receive recurring, automated informational and marketing text messages (including by autodialer) at the mobile number provided. Consent to receive texts is not a condition of purchasing any product or service.

Message frequency varies. Message and data rates may apply. Reply STOP at any time to opt out of future messages. Reply HELP for assistance.

7. How We Use Your Information

Information you submit to us (such as your name, phone number, email address, or details entered into a form or quiz) is used to respond to your inquiry, provide requested information, and — where you've consented — to follow up about our services or connect you with a licensed partner. We do not sell your personal information to unrelated third parties.

8. Testimonials & Results

Any testimonials, reviews, or case studies referenced in our content reflect individual experiences and are not a guarantee of future performance or results. Individual results will vary.

9. Content Accuracy

We aim to keep the information on this site current and accurate, including references to program rules (such as Social Security cost-of-living adjustments, Medicare premiums, or contribution limits), but rules and figures can change. Always verify current figures directly with the relevant government agency (ssa.gov, medicare.gov, irs.gov) before relying on them.

10. Contact Us

Questions about these disclosures can be directed to:

US Retirement Educators
2180 S Orilla Rd, Cumming, IA 50061
(515) 289-6811

This page is an initial working version and will be updated as licensing details, a dedicated Privacy Policy, and Terms of Service are finalized.

Program description. When users opt in, they will receive appointment confirmations and reminders after booking an appointment with our company.

How to cancel. You can cancel the SMS service at any time. Simply text STOP to the shortcode. Upon sending STOP, we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

Support. If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected].

Carrier liability. Carriers are not liable for delayed or undelivered messages.

Rates and frequency. Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.

Privacy. For privacy-related inquiries, please refer to Part 3 below.

1. Data Privacy and Protection

At USRE, we are committed to safeguarding your privacy and protecting your personal information. This Privacy Policy outlines how we collect, use, and protect your data.

2. Collection of Data

We collect personal information that you voluntarily provide to us when you opt in to our services or agree to receive communications from us. This may include your name, email address, phone number, and any other information you choose to submit through our forms or during a call.

3. Use of Data

The data we collect is used solely for the purpose of delivering the services you have requested and for communication related to those services. We do not share, sell, or rent your personal information to any third parties. Your data will only be used in accordance with the purpose for which it was collected and in compliance with applicable privacy laws.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors providing support services, such as customer service. All other use case categories exclude text messaging originator opt-in data and consent — this information will not be shared with any third parties.

4. Opt-In Communication

We will only contact you in relation to the services you have opted in for. By agreeing to our Terms of Service, you consent to receive communications related to your request or service. If you wish to withdraw your consent or opt out of future communications, you may do so at any time by contacting us.

5. Compliance with A2P 10DLC

Our communication practices comply with A2P 10DLC regulations. We ensure that all messaging is carried out in accordance with the guidelines and requirements set forth by these regulations.

6. Security

We implement appropriate technical and organizational measures to ensure the security of your personal data and to protect it against unauthorized access, alteration, disclosure, or destruction.

7. Changes to Terms

We may update these Terms and Conditions from time to time. Any changes will be posted on our website, and your continued use of our services signifies your acceptance of any such changes.

8. Contact Us

If you have any questions or concerns regarding our privacy practices or these Terms and Conditions, please contact us at: [email protected]

This page is an initial working version and will be updated as licensing details and a finalized Privacy Policy and Terms of Service are completed.