Terms for using 401kROBS.com as an informational site

These Terms of Use cover the current public 401kROBS.com website and same-origin Provider Match endpoint. They do not create a professional engagement, advisory relationship, provider-client relationship, plan-administration relationship, fiduciary appointment, agency relationship, marketplace transaction, account agreement, subscription, purchase, or support case.

Using the site means using it under these terms as a public informational resource. Permitted use includes reading pages, following source links, using browser-local tools, requesting same-origin provider-match results from the published flow, comparing public provider information, and using policy pages to understand site standards.

If these terms do not fit your intended use, do not use the site for that purpose. These terms are bounded by what the current site actually provides; they do not impose undisclosed payment terms, member rules, user-account duties, upload licenses, transaction terms, refund rules, cancellation terms, minimum age statements, arbitration provisions, governing-law clauses, venue clauses, class-action waivers, or indemnity obligations.

401kROBS.com publishes educational information about Rollovers as Business Startups and related provider diligence. The site does not determine whether any reader is eligible for a rollover, whether a ROBS transaction is legal or prudent for a reader, whether a provider contract is adequate, whether a valuation is sufficient, whether a filing is correct, whether a business is viable, or whether retirement-plan assets should be used.[9][10][11]

ROBS questions can involve retirement-plan qualification, rollover availability, employer stock, valuation, Form 5500 and tax filings, fiduciary duties, prohibited transactions, employee eligibility, plan amendments, business failure, financing, and exit mechanics. Use qualified legal, tax, benefits, valuation, lending, payroll, and business professionals for facts that affect your transaction or plan.

Provider Match is a comparison aid. The current flow sends selected answer options to the same-origin API, validates them, calculates ranked providers, and returns methodology and a caution note. It does not ask for name, email, phone, address, business name, franchise brand, exact retirement balance, marketing consent, file uploads, or provider outreach consent; current source says it does not store a lead or transmit answers to providers.[2][3]

A provider score, list placement, provider page, directory entry, provider link, comparison, badge, reason label, or related article is not approval of a provider, legal compliance, tax treatment, fiduciary process, valuation adequacy, contract quality, price completeness, provider availability, business quality, funding suitability, or future result. Provider facts can change after source checks. Verify written fees, service scope, exclusions, cancellation terms, employee support, valuation support, audit support, exit support, data handoff, and professional role limits directly before relying on a provider record.

Use the site lawfully and proportionately. The current public site is not a secure portal, professional intake, account system, upload service, or private support channel. The following uses are prohibited:

• Do not submit, paste, encode in URLs, automate, scrape into forms, or otherwise route Social Security numbers, retirement-account numbers, tax returns, plan documents, trust agreements, valuation reports, bank statements, payroll files, employee census data, purchase agreements, franchise disclosure documents, loan files, litigation records, medical information, login credentials, or confidential provider contracts through ordinary site interactions.
• Do not use the site to seek emergency help, individualized legal advice, tax advice, investment advice, fiduciary decisions, valuation opinions, lending approval, payroll advice, plan administration, provider contract review, or business-fitness determinations.
• Do not interfere with the site, bypass ordinary access controls, probe or attack infrastructure, submit malformed or excessive API requests, reverse engineer rate limits, impersonate another person or organization, misrepresent provider affiliation, or use automated access in a way that burdens the service or copies content at scale.
• Do not reuse site content, source labels, provider comparisons, methodology language, design, code, images, or data in a way that falsely suggests endorsement, authorship, partnership, legal approval, tax approval, provider certification, or site affiliation.

Automated access to ordinary public pages may still create server load or copied-content misuse. Do not treat the existence of a public URL, sitemap entry, source link, API route, schema object, or Open Graph handler as permission to harvest, republish, spam, attack, or overload the site.

The site links to government agencies, provider websites, professional resources, source materials, commercial destinations, and other third-party pages. Opening an external link leaves 401kROBS.com. The destination may have its own privacy practices, terms, cookies, tracking, prices, service scope, professional limits, eligibility rules, contracts, and contact methods.[1][8]

401kROBS.com does not control external provider pages, government pages, platform infrastructure outside the repository-observed app, browser extensions, network operators, search engines, or third-party destination logs. A link does not establish endorsement, completeness, current accuracy, legal advice, tax advice, fiduciary advice, or responsibility for the destination.

The 401kROBS.com name, site text, page structure, source summaries, comparisons, scoring explanations, design expression, route-local Open Graph images, schema copy, and original educational content are protected by ordinary copyright and other applicable rights held by the site owner or licensors, except where third-party materials or public sources are identified. The footer states © 2026 401kROBS.com. All rights reserved.

You may use short excerpts for ordinary personal reference, source checking, search indexing, linking, or fair-use-style commentary where allowed by law. Do not copy substantial portions, strip attribution, mirror the site, train or populate a competing provider database from the content at scale, remove source limitations, or present 401kROBS.com content as your own work, legal advice, tax advice, provider certification, or official government material.

The site may change pages, tools, provider records, links, metadata, sitemap entries, schema, source labels, methodology, disclosures, route behavior, or these terms when better evidence, changed site behavior, policy updates, technical fixes, or publication decisions support a change. The current public no-intake routes do not promise notice, a response deadline, private ticket number, public queue, continuous monitoring, emergency triage, or automatic update notification.[4][5]

The site may be unavailable, delayed, inaccurate, incomplete, outdated, or affected by build, hosting, browser, network, source, provider, or third-party failures. Do not rely on continued availability or on a page remaining unchanged.

The site is provided as an informational resource in its current state. To the extent allowed by applicable law, 401kROBS.com disclaims warranties that the site is uninterrupted, error-free, complete, current, secure, suitable for a specific transaction, or sufficient for any legal, tax, fiduciary, valuation, lending, investment, payroll, benefits, provider-selection, business, or retirement decision. These disclaimers do not excuse careless source handling; they explain the limits of a public educational site.

To the extent allowed by applicable law, 401kROBS.com is not responsible for losses arising from reliance on public educational content, provider-match outputs, source links, provider pages, third-party destination actions, unavailable pages, changed provider terms, business failure, retirement concentration risk, professional advice received elsewhere, or a reader's decision to send sensitive information through an inappropriate channel. Nothing here limits rights or remedies that cannot legally be limited.

The Privacy Policy explains current repository-observed data practices, including provider-match answer options, no observed accounts or commerce, cookies/storage limits, infrastructure caveats, no public privacy intake, and sensitive-data prohibitions.[1] The site currently has no affiliate relationships and does not earn commissions from provider links. The Advertising Policy explains that commercial relationships must remain separate from provider-match scoring and editorial conclusions.[8][12]

Do not assume a provider link, provider mention, ranking, comparison, or score identifies every commercial term, contract term, provider obligation, reader cost, or provider-specific service limit. Verify directly before acting.

401kROBS.com currently has no public legal-notice channel, general inbox, support inbox, privacy-request channel, accessibility-report channel, correction submission channel, provider-submission channel, deletion-request channel, data-subject request workflow, upload portal, ticket queue, or response service level.[4][5][6] Opening Contact, Request a Correction, Submit a Provider, Privacy Policy, Advertising Policy, a provider page, an external source, or any policy page does not deliver a message to 401kROBS.com.

If a future public channel is published, only that specific future method should be treated as a submission or notice channel. Do not send private records through ordinary public pages.

Internal sources establish current site behavior, policies, no-intake status, provider-match limits, advertising and commercial boundaries, and editorial standards. External sources support only the official ROBS, fiduciary, and commercial-disclosure principles cited near those claims; they are not a blanket legal compliance certification.