✅ TERMS & CONDITIONS

Michael Petron LLC DBA Petron Retirement

Effective Date: February 4, 2026

Welcome to the website and educational platforms operated by Michael Petron LLC DBA Petron Retirement (“Company,” “we,” “our,” or “us”). By accessing this website, registering for events, or using any services or materials provided by the Company, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree with these terms, please do not use this website or participate in our services.

Educational Purpose Only

All information provided through this website, webinars, workshops, guides, consultations, or other materials is for educational and informational purposes only.

Nothing contained within this website or any Company materials should be interpreted as:

• Financial advice

• Investment advice

• Tax advice

• Legal advice

Individual financial circumstances vary, and strategies discussed may not be appropriate for every individual. Users are encouraged to consult with qualified financial, tax, or legal professionals before making financial decisions.

No Guarantee of Results

Any examples, case studies, hypothetical illustrations, or income projections presented are for educational purposes only and are not guarantees of future performance or results.

Actual results will vary based on individual circumstances, market conditions, and financial decisions.

Insurance and Product Disclosure

Michael Petron is a licensed insurance professional. Insurance and annuity product guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Products discussed may be insurance-based products and are not deposits, are not insured by the FDIC or any federal government agency, and may be subject to product-specific terms and conditions.

No Client Relationship Established

Accessing this website, registering for educational events, or requesting information does not create a client relationship between you and Michael Petron LLC DBA Petron Retirement.

A client relationship is only established after:

• Formal agreement

• Required suitability reviews

• Completion of applicable regulatory documentation

User Responsibilities

By using this website or participating in Company services, you agree:

• To provide accurate and truthful information

• Not to use this website for unlawful purposes

• Not to attempt to disrupt or compromise website security

• Not to reproduce or distribute Company materials without permission

Intellectual Property & Copyright

All website content, educational materials, guides, videos, workshops, graphics, branding, and written content are the property of Michael Petron LLC DBA Petron Retirement and are protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, or share Company materials without prior written consent.

Communication Consent

By submitting your contact information through this website or associated marketing materials, you consent to receiving communications from the Company regarding educational retirement content and related services.

Communications may include:

• Email

• Phone calls

• Text messages

Message and data rates may apply. You may opt out of communications at any time.

Third-Party Links and Resources

This website may contain links to third-party websites or services. The Company does not control and is not responsible for:

• Third-party content

• Privacy practices

• Accuracy of external information

Accessing third-party links is done at your own risk.

Limitation of Liability

To the fullest extent permitted by law, Michael Petron LLC DBA Petron Retirement shall not be liable for:

• Financial losses

• Investment decisions

• Tax consequences

• Reliance on educational content

• Website interruptions or technical issues

Users accept full responsibility for their financial decisions.

Social Security and Government Agency Disclosure

Michael Petron LLC DBA Petron Retirement is a private business and is not affiliated with or endorsed by the Social Security Administration or any government agency.

Website Availability

We reserve the right to modify, suspend, or discontinue any portion of the website or services at any time without notice.

Changes to Terms

We may update these Terms & Conditions at any time. Updates will be posted on this page with a revised effective date. Continued use of the website or services constitutes acceptance of any updated terms.

Governing Law

These Terms & Conditions shall be governed by and interpreted under the laws of the State of Minnesota, without regard to conflict of law principles.

Contact Information

Michael Petron LLC DBA Petron Retirement
Sartell, Minnesota
Email: michael@petronretirement.com