Effective Date: August 9, 2026 Last Updated: August 9, 2026

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Welcome to RetiremintWorks ("we," "us," "our," or "RetiremintWorks"). These Terms & Conditions ("Terms") govern your access to and use of retiremintworks.com (the "Site"), our digital products, email communications, and related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

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1. Who We Are

RetiremintWorks provides educational content, digital guides, and resources to help retirees and pre-retirees explore starting a small online business. Our products include ebooks (such as From Hobby to Hustle and The Retiree's Roadmap), a companion workbook, and a free starter guide.

Nothing on this Site constitutes financial, legal, tax, or investment advice. See Section 6 for more on this.

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2. Eligibility

Our Services are intended for adults aged 18 and older. By using our Services, you confirm that you are at least 18 years old and capable of entering into a binding agreement.

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3. Digital Products and Purchases

• All ebooks, workbooks, and digital guides sold through RetiremintWorks are processed through our third-party payment provider, Gumroad. Your purchase is also subject to Gumroad's own terms of service.

• Digital products are delivered electronically. Because of the nature of digital goods, all sales are governed by our separate Return Policy, which takes precedence over any general statements made elsewhere on the Site regarding refunds.

• Prices for our products are listed in U.S. dollars and may change at any time without prior notice. Changes will not affect purchases already completed.

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4. Free Resources and Email Communications

When you sign up for our free Starter Guide or other lead magnets, you agree to receive email communications from us, including our welcome sequence and periodic newsletters, delivered via MailerLite. You may unsubscribe at any time using the link included in every email. See our Privacy Policy for details on how we handle your information.

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5. Intellectual Property

All content on this Site — including but not limited to text, graphics, logos, ebook content, workbook templates, and design elements — is the property of RetiremintWorks or its licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, publicly display, or create derivative works from any content on this Site or in our digital products without our prior written permission, except for personal, non-commercial use as intended by the product (e.g., printing a workbook for your own use).

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6. No Financial, Legal, or Professional Advice

RetiremintWorks provides general educational content about starting and running a small online business. We are not financial advisors, attorneys, accountants, or licensed professionals, and nothing on this Site or in our products should be interpreted as personalized financial, legal, tax, or investment advice.

Any business ideas, income examples, or "Retiree Spotlight" stories referenced in our content are illustrative and intended for educational and motivational purposes. Individual results vary, and we make no guarantees about income, outcomes, or success. You should consult a qualified professional before making financial, legal, or business decisions.

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7. Affiliate Disclosure

RetiremintWorks participates in affiliate marketing programs, including the Amazon Associates Program and other affiliate partnerships. We may earn a commission when you click certain links and make a qualifying purchase, at no additional cost to you. See our Privacy Policy for full details.

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8. User Conduct

When using our Services, you agree not to:

• Use the Site or our products for any unlawful purpose

• Attempt to gain unauthorized access to any part of the Site or our systems

• Copy, resell, or redistribute our digital products or their content without permission

• Interfere with the proper functioning of the Site

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9. Limitation of Liability

To the fullest extent permitted by law, RetiremintWorks and its owners, contributors, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, our Services, including but not limited to loss of profits, data, or business opportunities — even if we have been advised of the possibility of such damages.

Our Services are provided "as is" and "as available," without warranties of any kind, either express or implied.

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10. Third-Party Links and Services

Our Site and products may contain links to third-party websites and services (including affiliate links, Gumroad, MailerLite, and others). We do not control and are not responsible for the content, policies, or practices of any third-party sites. Use of third-party services is at your own risk and subject to their respective terms.

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11. Changes to These Terms

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We may update these Terms from time to time to reflect changes in our practices, products, or for legal and operational reasons. The "Last Updated" date at the top will reflect the most recent revision. Continued use of our Services after changes take effect constitutes your acceptance of the updated Terms.

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12. Governing Law

These Terms are governed by the laws of the United States, without regard to conflict of law principles, unless otherwise required by applicable local law.

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13. Contact Us

If you have questions about these Terms, please contact us at:

RetiremintWorks Email: hello@retiremintworks.com Website: retiremintworks.com