Website Disclaimer & Income Disclosure

Disclosure of Income/Affiliate Agreements

Retirement-Online earns income when readers make purchases from affiliate merchants. Retirement-Online endorses products because I like them. I have found merchants with products which I believe may appeal to retirees on specific retirement and senior-related products. This means we get a commission when you purchase those items. You don’t pay any more.

My main income comes from Google Adsense ads. These ads are selected by Google to generally appeal to Retirement-Online readers. 

Retirement-Online is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to  earn advertising fees by advertising and linking to

Please see the Privacy Policy for more information.

Refund Policy

I rarely get requests for refunds, but just in case…


Contact Wendy for a refund within 30 days of purchase. Please delete the product from your computer system(s).

Retirement Classes and Coaching

If you purchase my Class, you may request a refund if you are accessing a class alone. However, If I am Coaching with you and I am interacting with you, I do not refund any fees. I am using my time and efforts on your behalf, however, your life changes depend on actions you take. I cannot guarantee your success as you must do the work to change your life. Coaching does work if you follow your heart and do the work!

Purchases from other sites

Purchases from other sites are subject to refund policies of those sites. For example, if I link to a product on, your purchase is subject to Amazon’s refund policy.

Home Business pages

This is the legal "stuff" that all income producing websites and blogs must post... here we go!

I do not believe in get rich quick programs - nothing like that works. You must do the good old-fashioned work. All home business pages and links on this site are intended to help you start and grow your home business, while you share your message with a wider audience and to make a difference in the world.

I can't make any guarantees about your own results because I don't know you. I don't know the home business niche you will pick, I don't know if you can write or do video, I don't know if you will spend the time necessary to get your business running. I DO KNOW that IF you do a website, for example, it's a huge challenge, lots of fun, new friendships and a great way to share your knowledge with the world!

Website Disclaimer

Retirement-Online provides this website as a service. While the information contained within the site is periodically updated, no guarantee is given that the information provided in this website is correct, complete, and/or up-to-date.

The materials contained on this website are provided for general information purposes only and do not constitute legal or other professional advice on any subject matter. Retirement-Online does not accept any responsibility for any loss which may arise from reliance on information contained on this site. I am providing ideas and road maps for you to think about -- find professionals and seek help where necessary.

Permission is given for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer. The contents of this site are protected by copyright under international conventions and, apart from the permission stated, the reproduction, permanent storage, or retransmission of the contents of this site is prohibited without the prior written consent of Retirement-Online.

Some links within this website may lead to other websites, including those operated and maintained by third parties. Retirement-Online includes these links solely as a convenience to you, and the presence of such a link does not imply a responsibility for the linked site or an endorsement of the linked site, its operator, or its contents (exceptions may apply).

This website and its contents are provided "AS IS" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Reproduction, distribution, republication, and/or retransmission of material contained within this website are prohibited unless the prior written permission of Retirement-Online has been obtained.

Accessibility Disclaimer

Updated: December 2019. strives to ensure that its services are accessible to people with disabilities. has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

Accessibility on makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).

Enabling the Accessibility Menu

The accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner of the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.

Disclaimer continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.

Despite our efforts to make all pages and content on fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

Here For You

If you are experiencing difficulty with any content on or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

Contact Us

If you wish to report an accessibility issue, have any questions or need assistance, please contact Customer Support as follows:  Contact Wendy Page