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Appleby Retirement Consulting Inc | 973-313-9877

Speaker, author, teacher, consultant: I teach/consult to financial, tax, and legal professionals about the tax laws that govern IRAs and employer plans

Terms of Service and Licenses of Rights : Please read both

Terms of Service

Technical Consulting Services

The Agreement: Under this agreement, Appleby Retirement Consulting Inc. (Appleby), a Georgia corporation, agrees to provide technical consulting services to you, our client.

You may integrate information provided by Appleby into your services, but your clients may not rely on Appleby separately from your services.

Services

Appleby Retirement Consulting Inc. will provide technical support and consulting services, as they relate to explaining the rules and regulations that govern IRAs, defined contribution plans, and 403(b) retirement plans for members who subscribe to our consulting services. This includes:

Procedures for establishing and maintaining IRAs
IRA operational and compliance requirements, including documentation
IRA contribution rules
IRA distribution rules, including required minimum distributions for account owners and beneficiaries
Beneficiary options
Tax withholding rules for distributions
Portability (rollover and transfer rules)
Tax reporting rules
Contribution, distribution, and rollover rules for defined contribution plans

Consulting does not include funding of defined benefit plans or issues relating to life insurance. Appleby Retirement Consulting Inc. does not provide consulting on issues relating to the funding of defined benefit plans or on life insurance matters, including life insurance investments, the tax treatment of life insurance from qualified plans, and the distribution rules that apply to life insurance.

Not Advice

All consulting services are educational and explanatory in nature. They must not be construed as financial, tax, or legal advice.

Confidentiality

Appleby Retirement Consulting Inc. agrees to keep all information provided by the client confidential, and not to discuss or disclose such information to anyone other than appropriate client personnel or their designees.

Term

Your consulting agreement commences on the date you make your first payment. For recurring payment options, you have the option to renew on an annual basis unless terminated by either party. Either party may terminate this agreement with thirty (30) days written notice. Any annual retainership agreement will be in effect for one year. If payments are being made monthly, payments must continue for at least one year.

Assignment

This agreement may not be assigned by either party without the written consent of the other party.

Arbitration

All disputes shall be submitted to binding arbitration before a judge in Grayson, Georgia, and settled in accordance with the rules of the American Arbitration Association. Judgment upon the arbitration award may be entered in any court with jurisdiction. Disputes in which the amount at issue is less than $2,000 are not subject to this arbitration provision.

Disclaimer

All material developed by Appleby Retirement Consulting Inc., including consulting services and written resources, is based on sources believed to be reliable. These include the Internal Revenue Code, IRS regulations and guidance, and IRS forms and publications.

Every effort is made to ensure accuracy at the time the material is prepared. The material reflects the rules in effect at the time it is written.

The material and calculations provided, including required minimum distribution (RMD) amounts for account owners and beneficiaries, are intended for educational purposes only. They are not intended to be used as tax or legal advice and must not be construed as such. Clients and their advisors are responsible for verifying applicability and accuracy before taking action.

Copyright

All material is the copyright of Appleby Retirement Consulting Inc. and may not be used without the express permission of Appleby Retirement Consulting Inc.

License of Rights- Appleby Retirement Consulting, Inc. Content

This agreement is between you, the licensee (hereinafter referred to as “Client”) and Appleby Consulting Inc.

1.                   Description of Work.
Under the terms of this agreement, you are granted license to publish the content provided as part of your membership with Appleby retirement Consulting, Inc. (Appleby) a set of client-facing articles/letters and other content that focuses on news, and tips about IRAs (hereinafter referred to as “Work”).

2.                   Delivery
The Work shall be made immediately available to you after your payment has been completed. Articles are provided in Microsoft Word format. Other content might be provided in PDF or other file formats.

3.                   Grant of Rights.
Upon receipt of full payment, you are granted the following rights in the Work:

To post on your website, share in a newsletter, or any medium you choose to use to share with your center of influence.

These rights shall not be transferred without the express written permission of Appleby.

4.                   Reservation of Rights.
All rights not expressly granted hereunder are reserved to Appleby Retirement Consulting, Inc., including but not limited to all rights in preliminary materials and all electronic rights. For purposes of this agreement, electronic rights are defined as rights in the digitized form of works that can be encoded, stored, and retrieved from such media as computer disks, CD-ROM, computer databases, and network servers.

5.                   Accuracy
Appleby, will make reasonable and good faith efforts to ensure that the Work is accurate, at the time of publishing. However, the Work is provided as is” without any warranty of any kind, either express or implied.

Individuals should consult with their advisors (tax, financial or legal, as applicable), before making any decisions).

The rules that govern IRAs and other retirement plans often change.

6.                   Fee.
Fee is the price listed on the website where the Work is sold.

7.                   Additional Usage.
If Client wishes to make any additional uses of the Work, Client agrees to seek permission from Appleby Retirement Consulting, Inc. and make such payments as are agreed to between the parties at that time.

8.                   Alteration.
Client may make alterations by adding branding information to content for sharing/publishing.

9.                   Payment.
Payments must me made at time of purchase

10.               Copyright Notice.

Copyright notice in the name of Appleby Retirement Consulting, Inc. shall accompany the Work when it is reproduced. If Client would like an exception to this requirement, Client should contact Appleby Consulting Inc. by sending an email to customerservice@applebyconsultinginc.com .

11.               Releases.
The Client agrees to indemnify and hold harmless Appleby against any and all claims, costs, and expenses, including attorney’s fees, due to uses for which no release was requested, uses which exceed the uses allowed pursuant to a release, or uses based on alterations not allowed pursuant to the Alteration Paragraph above

12.               Arbitration.
All disputes arising under this Agreement shall be submitted to binding arbitration before a judge in Atlanta, Georgia and settled in accordance with the rules of the American Arbitration Association. Judgment upon the arbitration award may be entered in any court having jurisdiction thereof. Disputes in which the amount at issue is less than $500 shall not be subject to this arbitration provision.

13.               Renewal
This agreement shall automatically renew annual, starting with the date of the agreement.

Either party may cancel the agreement at any time, providing notification of cancellation is provided at least 30-days in advance of the cancellation date.

14.               Miscellany.
This Agreement shall be binding upon the parties hereto, their heirs, successors, assigns, and personal representatives. This Agreement constitutes the entire understanding between the parties. Its terms can be modified only by an instrument in writing signed by both parties, except that the Client may authorize expenses or revisions orally. A waiver of a breach of any of the provisions of this Agreement shall not be construed as a continuing waiver of other breaches of the same or other provisions hereof. This Agreement shall be governed by the laws of the State of Georgia

You agree to the terms of this agreement by purchasing the Work.

253 Silvertop Drive
Grayson, GA 30017

Telephone: 973-313-9877

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