Legal Stuff

Disclosures, Disclaimers, Terms of Service, Privacy Policy, etc. 

The Retirement Manifesto Goals

The Retirement Manifesto (“TRM”) seeks to provide you with helpful information and entertainment regarding personal finance.  (Please read the disclosures below fully.)  This site exists primarily for that purpose, although there are also financial arrangements which are disclosed openly below. TRM’s lawyer friend from FinCon thinks that despite TRM’s less-than-financially ambitious goal of creating and interacting with a community, TRM should post disclosures and a privacy policy, terms of service, and so on.  And, moreover, TRM wishes to be fully above board and transparent with you about this site, how it’s used, and especially what happens with your information.  (Answer, which is below: not much.)  The primary objective of this site is not to make; rather, it’s to engage with our friendly readers and share about finances.  Articles written on this site are the intellectual property of The Retirement Manifesto and are not to be reprinted or reproduced without written consent.


Please note that TRM may have financial relationships with some merchants referenced on this blog.  The blog and its owners may be compensated if consumers choose to use the links or references located throughout the content on this site and generate sales for merchants.  TRM may be compensated for certain paid links and ads on this blog.  You are NOT obligated to click on any link, buy any product, read any post, or use anything whatsoever that is advertised on this blog.  TRM is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to

This blog may be compensated by companies mentioned through advertising, affiliate programs, or otherwise.  Any references to third party products, rates, or websites are subject to change without notice.  (A blog is a complicated thing to create, post on, and maintain.)  Please do the appropriate research before participating in any third-party offers.


Information presented on TRM is intended for information, academic, and entertainment purposes only and is not meant to be taken as financial advice, legal advice, tax advice, or any other kind of advice.  The views expressed on this website are personal opinions only and should not be construed as financial advice for your given situation.  While all attempts are made to present accurate information, the author is only human, and the information may not be appropriate for your particular circumstances.  Information may also become outdated over time.  TRM and its authors are not financial experts and you should seek out a professional before making any financial, legal, or tax decisions.  (Seriously, folks: there is no substitute for a wise professional whom you know and trust.)  I am not liable for any losses suffered by any parties. Please make sure to do your own due diligence and seek a trusted financial, legal, or tax professional before making any financial decisions of your own.

Neither TRM nor its members, authors, owners, or those otherwise affiliated with TRM make any representations as to the validity, accuracy, completeness, or suitability of any claims made either on this blog or by these individuals.  Neither TRM nor its members, authors, owners, or those otherwise affiliated with TRM assume any liability with regard to financial results, legal results, or tax consequences based on the use of the information provided here.  Furthermore, advertisers, commenters, and linked sites are solely responsible for their views and content – which do not necessarily represent the views of TRM or its members, authors, owners, or those otherwise affiliated with TRM.

Privacy Policy

At TRM, this website may collect your email information (if you provide it).  We use that information to send you blog-related content only, and will not sell or otherwise distribute your information.  You may request to be removed from the email/subscriber list at any time, and you will be removed within a reasonable time thereafter (if not automatically).  As site owner, TRM will not knowingly share, sell, or disclose your email or other information; it is collected purely to send you content from the blog and/or messages from TRM itself.  You may, of course, ask to be removed from the email/subscriber list at any time, and you will be promptly removed.

In addition, this website may use cookies (as may WordPress or its applications) which collect information.  You may disable cookies at any time on your own computer.  TRM itself makes no effort to collect or retain information gained through cookies (so far as we are aware), but please ensure you check the cookie policies of the various websites and applications on this site, including WordPress, for further information and disclosures.

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: After approval of your comment, your profile picture is visible to the public in the context of your comment.

Acceptance of Terms

Through the use of this site, you are hereby accepting the terms and conditions stipulated within this page, including but not limited to the Disclosures, Choice of Law provision, jurisdictional provision, and Privacy Policy agreement.  If you disagree with our terms or conditions, then you should refrain from use of the site (and its related pages).  In addition, your continued use of our website following the posting of any updates, modifications, or changes to our terms and conditions shall mean that you are in agreement and acceptance of such changes.

Choice of Law

By reading this blog, you consent to submit exclusively to the personal and general jurisdiction of Georgia courts and subject yourself to Georgia law regarding any disputes, disagreements, or other legally-binding activities that may arise from your use or viewing of this site.  You are likewise aware – and agree – that this website, its members, authors, owners, or those otherwise affiliated with TRM are located in Georgia, subject to Georgia law, and intend to reach no farther than Georgia.

Mediavine Programmatic Advertising (Ver 1.1)

The Website works with Mediavine to manage third-party interest-based advertising appearing on the Website. Mediavine serves content and advertisements when you visit the Website, which may use first and third-party cookies. A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server so that a website can remember some information about your browsing activity on the Website.

First party cookies are created by the website that you are visiting. A third-party cookie is frequently used in behavioral advertising and analytics and is created by a domain other than the website you are visiting. Third-party cookies, tags, pixels, beacons and other similar technologies (collectively, “Tags”) may be placed on the Website to monitor interaction with advertising content and to target and optimize advertising. Each internet browser has functionality so that you can block both first and third-party cookies and clear your browser’s cache. The “help” feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies, how to disable existing cookies and how to clear your browser’s cache. For more information about cookies and how to disable them, you can consult the information at All About Cookies.

Without cookies you may not be able to take full advantage of the Website content and features. Please note that rejecting cookies does not mean that you will no longer see ads when you visit our Site. In the event you opt-out, you will still see non-personalized advertisements on the Website.

The Website collects the following data using a cookie when serving personalized ads:

  • IP Address
  • Operating System type
  • Operating System version
  • Device Type
  • Language of the website
  • Web browser type
  • Email (in hashed form)

Mediavine Partners (companies listed below with whom Mediavine shares data) may also use this data to link to other end user information the partner has independently collected to deliver targeted advertisements. Mediavine Partners may also separately collect data about end users from other sources, such as advertising IDs or pixels, and link that data to data collected from Mediavine publishers in order to provide interest-based advertising across your online experience, including devices, browsers and apps. This data includes usage data, cookie information, device information, information about interactions between users and advertisements and websites, geolocation data, traffic data, and information about a visitor’s referral source to a particular website. Mediavine Partners may also create unique IDs to create audience segments, which are used to provide targeted advertising.

If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit National Advertising Initiative opt out page. You may also visit Digital Advertising Alliance website and Network Advertising Initiative website to learn more information about interest-based advertising. You may download the AppChoices app at Digital Advertising Alliance’s AppChoices app to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.

For specific information about Mediavine Partners, the data each collects and their data collection and privacy policies, please visit Mediavine Partners.

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