Understand the terms that apply when you use Skyline Retirement.

1. Scope and Acceptance of These Terms

Skyline Retirement is operated by Skyline Digital Consulting. In these Terms, “Skyline,” “we,” “our” and “us” refer to Skyline Digital Consulting in its operation of this website. These Terms govern use of this website and its consumer educational content, tools and related experiences. They also apply to financial professionals and business contacts using these public website experiences.

Read these Terms before using the website. By using the services after being provided notice of these Terms and an opportunity to review them, you agree to them to the extent an enforceable agreement is formed under applicable law. If you do not agree, discontinue use of the applicable service. Additional feature or service terms apply only as presented and agreed to where required.

Our Privacy Policy describes information practices. These Terms and that policy do not, by themselves, authorize marketing calls or text messages or replace separate consent required by law. Review the choices and notices in the relevant form or experience.

The website is intended for adults. It does not replace the separate agreements governing a professional relationship, a paid program or access to restricted professional technology.

2. Purpose of Skyline Retirement

Skyline Retirement is a retirement education and lead-generation website. It helps consumers learn about retirement topics, explore educational resources and connect with participating financial professionals when individualized guidance is needed. Skyline provides marketing and technology-enabled services.

Consumer experiences may include educational articles, questionnaires, calculators, AI-assisted explanations and summaries based on submitted information. Adapting an explanation to your inputs does not establish that a strategy or product is appropriate for you.

Tactive Advisors, LLC, a separate business and SEC-registered investment adviser, provides licensed technology supporting applicable Skyline programs. Use of that technology does not, by itself, establish an investment-advisory relationship with Tactive. SEC registration does not imply government approval or endorsement.

3. Education and Professional Advice

Skyline does not independently provide personalized investment advice or insurance recommendations through this website. Website content, questionnaires, calculations, summaries and AI responses do not substitute for individualized investment, insurance, tax, legal or accounting advice.

Using the website, submitting a questionnaire, receiving an educational result or requesting an introduction does not, by itself, establish an advisory, fiduciary, insurance, attorney-client, accountant-client or other professional relationship with Skyline, Tactive or a participating professional.

Before acting on information affecting your finances, verify material facts and consult appropriately qualified professionals about your circumstances. These Terms do not transfer a professional's licensing, suitability, best-interest, fiduciary or other applicable duties to you, or eliminate duties arising from an actual professional relationship.

4. Retirement Tools and Educational Results

Available experiences may include the Retirement Checkup, Roth Conversion Analysis, Annuity Analysis and other retirement educational tools. Feature names do not mean that an output is a comprehensive financial plan, approved recommendation, suitability determination or instruction to enter a transaction.

Results depend on the information entered, assumptions used, scope of the feature and underlying methods. They may omit assets, liabilities, tax circumstances, product terms or other relevant facts. Response summaries, topic labels and classifications do not validate retirement readiness or prescribe a sequence of actions.

Examples, estimates and illustrations are educational. They are not guarantees of investment performance, tax savings, income, product availability or other results. A Roth conversion can have tax and other consequences that require individualized evaluation; an illustration does not establish that a conversion is appropriate for you.

Annuity features, costs, surrender charges, withdrawal restrictions, tax treatment and benefits depend on the actual contract and circumstances. Any contractual guarantee is subject to its terms and the issuing insurer's claims-paying ability. An illustration does not establish that an annuity is suitable or in your best interest.

5. AI-Assisted Experiences and Restricted Materials

AI-assisted features may help explain concepts, organize submitted information and generate educational responses or summaries. AI may produce errors, omissions, unsupported statements or outdated information. Consumer-facing outputs are not automatically reviewed or approved by a financial professional and should not be the sole basis for a consequential decision.

Processing may involve Skyline, licensed Tactive technology and external providers, including but not limited to AI and related technology providers such as Anthropic, OpenAI and Voyage AI, depending on the feature and configuration. Information transmitted for processing may include identifiable information. Processing is not necessarily confined to Tactive's infrastructure.

See the Privacy Policy and Responsible AI page for information about processing and limitations. These Terms do not promise universal anonymization, zero-data-retention arrangements, particular certifications or identical safeguards across all features and providers.

Professional-only decision support

Restricted professional-only AI materials, including applicable Product Considerations, are separate from this website's consumer educational experiences. They are decision-support materials, not automatically approved consumer recommendations or client presentation materials.

Users must not export, download, print, email, copy, screenshot or otherwise share restricted raw outputs with clients or prospects, or bypass restrictions through another method. A Professional Review & Approval acknowledgment records the professional's review and responsibility; it does not remove those restrictions or establish Tactive endorsement. Any permitted consumer materials must be separately prepared and reviewed under the applicable program and professional requirements.

6. Accuracy, Completeness and Current Information

Educational content and outputs may be incomplete, inaccurate or unsuitable for a particular circumstance. Availability on this website does not establish that a statement has been verified against the latest rule, product document or individual facts.

Tax brackets, contribution limits, Social Security provisions, Medicare thresholds, required minimum distribution rules and other information can change or depend on a particular year. Calculations and illustrations may use assumptions that differ from actual conditions.

Verify materially important information against current authoritative sources and relevant documents before acting. Skyline does not promise real-time updates to every page, tool or AI response.

7. Financial Professionals and Advisor Connections

Professional-contact and lead-generation experiences may involve sharing contact details, questionnaire responses or related information as described in the relevant notices and our Privacy Policy. Review the purpose, recipient information and communication choices presented before submitting information.

Participating professionals provide services under their own applicable agreements, disclosures and scope of engagement. They are responsible for licensing, advice, recommendations, suitability or best-interest obligations where applicable, fiduciary duties where applicable, supervision, required records and client relationships.

An introduction does not guarantee a professional's services, results, future conduct or fit for your circumstances. Review the professional's identity, registration or licensing, scope of services, fees, conflicts, affiliations and any relevant referral or compensation disclosures before engaging them.

Use of Tactive technology does not mean that Tactive supervises every participating professional or has approved an individual output or recommendation. Skyline and Tactive remain responsible for their respective activities and applicable obligations.

8. Third-Party Services and Links

The website may link to independent organizations or use providers supporting hosting, communications, analytics, customer relationship management, AI processing and other functions. A provider supporting Skyline's operations has a different role from a professional independently providing services to you.

When you interact directly with an independent third party, its terms, privacy notices and disclosures may apply. Skyline does not control every independent website, service or professional merely because it provides a link or introduction.

These distinctions do not eliminate Skyline's responsibility for its own representations, information disclosures or obligations concerning providers acting on its behalf.

9. Acceptable Use and Your Submissions

Use the website lawfully and provide information you are authorized to submit. Do not knowingly provide misleading information or submit another person's information without appropriate authority. Inaccurate or incomplete inputs can produce unreliable outputs.

You must not:

• Gain or attempt to gain unauthorized access to systems, accounts or restricted materials.
• Introduce malware, harmful code or attacks, or materially disrupt service availability.
• Use the website for unlawful, fraudulent, abusive or impersonation activities.
• Bypass security, access, export or professional-only presentation restrictions.
• Scrape or harvest information in a way that violates applicable law, third-party rights or access restrictions, or materially disrupts the website.
• Misrepresent AI or educational outputs as approved advice, guaranteed results or a professional's recommendation.
• Submit passwords, authentication codes or account login credentials.
• Send full Social Security numbers, complete account numbers, personal financial documents or other highly sensitive information through general forms, ordinary email or public-facing chat.

Use a designated submission process for sensitive documents specifically requested by an applicable experience. Skyline may restrict or suspend access to address misuse, security threats or violations of these Terms, subject to applicable law and any separate service agreement. Access restrictions do not eliminate applicable privacy rights or required recordkeeping duties.

10. Intellectual Property and Permitted Use

Website branding, educational content, software interfaces, graphics and other protected materials belong to Skyline or their respective owners. Subject to these Terms and applicable rights, you may access and use public educational materials for your personal, noncommercial educational purposes and use sharing or download features expressly provided for those materials.

You may not sell, commercially exploit or reproduce or distribute protected materials beyond the permission provided by the relevant feature, rights holder or applicable law. Do not remove attribution or present materials as your own professional advice. Restricted professional-only materials remain subject to their access and presentation restrictions.

You retain any rights you hold in information and documents you submit. Submission permits handling needed to provide the requested function and for the purposes described in the applicable notices and Privacy Policy, subject to applicable law. These Terms do not transfer ownership of your personal information to Skyline or grant an unrestricted right to publish it.

AI outputs may not be unique and may include material subject to others' rights. These Terms do not promise exclusive ownership, copyright protection or freedom from third-party rights for every generated output.

11. Disclaimer of Warranties

To the extent permitted by applicable law, the general website and educational tools are provided “as is” and “as available,” without express or implied warranties of uninterrupted availability, error-free operation, completeness, merchantability or fitness for a particular purpose, except for obligations that cannot lawfully be excluded or are expressly undertaken in an applicable separate agreement.

Skyline does not guarantee financial outcomes, tax savings, investment performance, retirement readiness, insurer performance, professional results or the accuracy of every AI response or third-party service.

Some laws limit warranty exclusions. These exclusions apply only to the extent permitted by those laws and do not waive applicable consumer protections, privacy rights or professional duties.

12. Limitations and Preservation of Legal Rights

To the extent permitted by applicable law, Skyline is not liable for indirect, incidental, special or consequential damages arising from use of the general educational website or tools. This limitation does not apply to the extent liability arises from fraud, willful misconduct, gross negligence, breach of a duty that cannot lawfully be limited, or another matter for which applicable law prohibits the limitation.

Educational information and automated outputs do not establish that a transaction, investment, insurance product or tax strategy is appropriate for you. These Terms do not create a guarantee of results or make Skyline the provider of a professional service delivered under a separate relationship.

Nothing in these Terms waives rights or remedies under applicable securities, insurance, consumer-protection, privacy or other laws that cannot legally be waived. Nothing limits an investment adviser's nonwaivable fiduciary duties, excuses a participating professional's applicable obligations, or eliminates Skyline's or Tactive's responsibility for their own activities.

Any separate service agreement applies to the service it governs, subject to applicable law. These website Terms do not expand liability limitations in that agreement or override rights that cannot legally be excluded.

13. Changes to the Website or These Terms

Skyline may update website content, features and these Terms. The “Last Updated” date identifies the latest revision. Website features may also be modified or discontinued, subject to applicable law and any separate service commitments.

We will provide additional notice and obtain acceptance or consent where required by applicable law. Changes do not retroactively waive accrued claims or authorize new information uses or marketing communications where separate consent is required. Continued use binds you to revised Terms only to the extent permitted by applicable law.

Website access changes do not establish a right to unrestricted consumer access, export of restricted AI materials or deletion of records required to be retained. Any professional or enterprise transition rights arise under the relevant separate agreement and applicable law.

14. Applicable Law and Separate Agreements

These Terms are subject to applicable law, including mandatory protections that apply to your circumstances. They do not require arbitration, waive class proceedings, select an exclusive court or impose a contractual choice of state law.

A separate agreement may contain provisions governing the particular professional or paid service it covers, subject to applicable law. These Terms do not create or modify those separate relationships.

If a provision of these Terms is held unenforceable, it will be applied only to the extent legally permitted, and the remaining provisions will continue to apply to the extent allowed by law.

15. Contact Skyline

If you have questions about these Terms of Use, contact Skyline Digital Consulting, operator of Skyline Retirement, using the information below.