These Terms of Service (“Terms”) govern your access to and use of the website https://americanteachersretirement.com/ and all associated services, content, and products (collectively referred to as the “Services”) provided by American Teachers Retirement (“we,” “us,” or “our”). By accessing or using our Services, you agree to comply with these Terms. If you do not agree, please discontinue use of our Services immediately.

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1. Use of Services

By accessing or using our Services, you agree that:

• You will use the Services only for lawful purposes and in compliance with all applicable laws and regulations.
• You will not attempt to disrupt, compromise, or interfere with the proper functioning of the Services.
• You are at least 18 years of age or have the consent of a parent or legal guardian.

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2. Accounts and Responsibilities

Certain features of our Services may require you to create an account. You agree to:

• Provide accurate, complete, and up-to-date information when creating an account.
• Maintain the confidentiality of your login credentials.
• Notify us immediately of any unauthorized use of your account or security breaches.

We reserve the right to suspend or terminate accounts that violate these Terms.

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3. Intellectual Property

All content provided through our Services, including text, graphics, logos, and software, is the property of American Teachers Retirement or its licensors and is protected by intellectual property laws. You may not copy, modify, distribute, or reproduce any part of the Services without prior written consent.

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4. Third-Party Links and Services

Our Services may include links to third-party websites or services that we do not own or control. We are not responsible for the content, policies, or practices of any third-party sites. Your interactions with third-party services are governed by their terms and conditions.

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5. Termination

We reserve the right to terminate or suspend your access to our Services at any time, without notice, for any reason, including but not limited to:

• Violations of these Terms.
• Unauthorized use of our Services.
• Legal or regulatory requirements.

Upon termination, your obligations under these Terms will continue, including intellectual property, disclaimers, and limitations of liability.

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6. Disclaimer of Warranties

Our Services are provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee the accuracy, reliability, or availability of the Services.

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7. Limitation of Liability

To the extent permitted by law, American Teachers Retirement and its affiliates will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of or inability to use the Services, even if we have been advised of the possibility of such damages.

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8. Indemnification

You agree to indemnify and hold harmless American Teachers Retirement and its affiliates from any claims, damages, or expenses arising out of your use of the Services, your violation of these Terms, or your infringement of any rights of a third party.

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9. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United States and the state of [insert applicable state]. Any disputes arising under these Terms will be resolved exclusively in the courts located in [insert applicable jurisdiction].

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10. Changes to These Terms

We may update these Terms from time to time. The revised Terms will be posted on this page with an updated “Last Updated” date. By continuing to use the Services, you agree to be bound by the updated Terms.

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11. Contact Us

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

American Teachers Retirement
Email: [email protected]
Phone: 469-807-7868