Terms of Use
Effective Date: October 18, 2025
Welcome to the website of the National Institute on Retirement Security (NIRS) (“we,” “our,” “us”). By accessing or using our website (the “Site”), you agree to comply with and be bound by the following Terms of Use and our Privacy Policy. Please read them carefully. If you do not agree with these terms, please do not use our Site.
Purpose of the Site
The Site is operated by NIRS to provide independent, fact-based research and education about retirement security issues in the United States. The information provided is for educational and informational purposes only and should not be construed as legal, financial, or investment advice.
Nonprofit Status
The National Institute on Retirement Security is a nonprofit, nonpartisan organization recognized as tax-exempt under Section 501(c)(3) of the Internal Revenue Code. Nothing on this Site should be interpreted as solicitation for commercial services or as lobbying activity.
Intellectual Property
All materials on this Site—including text, graphics, logos, photographs, reports, data, charts, infographics, videos, and other content—are the property of NIRS or its content providers and are protected by copyright, trademark, and other applicable laws.
Visitors may download or print NIRS materials for personal, educational, or noncommercial purposes, provided that:
- The materials are not altered in any way, and
- Proper attribution to the National Institute on Retirement Security is included.
Any other use, including reproduction, distribution, modification, or republication for commercial purposes, is prohibited without NIRS’s prior written consent.
Trademarks
The name National Institute on Retirement Security, the acronym NIRS, and the NIRS logo are trademarks owned by the National Institute on Retirement Security. These marks may not be used without prior written permission.
Links to Other Websites
Our Site may include links to third-party websites for reference or convenience. NIRS does not control or endorse these external sites and is not responsible for their content, accuracy, or privacy practices. Accessing third-party websites is at your own risk.
User Submissions and Communications
Any comments, feedback, or materials submitted to NIRS through the Site (such as via contact forms or email) are considered nonconfidential. By submitting such materials, you grant NIRS a nonexclusive, royalty-free license to use, reproduce, and distribute them for educational or research-related purposes consistent with our nonprofit mission. You agree not to submit materials that are unlawful, defamatory, or infringe on the rights of others.
Disclaimers
The information on this Site is provided “as is” and without warranties of any kind, express or implied. NIRS makes no representations or warranties regarding the accuracy, completeness, or reliability of any information provided.
NIRS does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
Limitation of Liability
In no event shall NIRS, its directors, employees, researchers, or affiliates be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of the Site or its contents.
Indemnification
You agree to indemnify and hold harmless NIRS, its officers, directors, employees, and agents from and against any claims, damages, losses, or expenses arising out of your use of the Site or violation of these Terms.
Changes to These Terms
NIRS reserves the right to modify or update these Terms of Use at any time. Any updates will be posted to this page with a revised “Effective Date.” Your continued use of the Site constitutes acceptance of any such changes.
Governing Law
These Terms of Use are governed by and construed in accordance with the laws of the District of Columbia, without regard to its conflict of law principles.
Contact
Questions about these Terms of Use can be directed to:
The National Institute on Retirement Security
1612 K Street, NW, Suite 500
Washington, DC 20006
Email: info@nirsonline.org
Phone: (202) 457-8190
Website: www.nirsonline.org