TERMS & CONDITIONS

MTW Companies LLC
dba Common Wealth Guardians & The Federal Retirement Institute

Effective Date: January 1, 2026

By accessing our websites, registering for events, or using our services, you agree to be bound by these Terms & Conditions.

1. Educational Purpose

All content, services, and communications provided by MTW Companies LLC and its brands are for educational and informational purposes only.

Nothing provided constitutes legal, tax, or financial advice. Users should consult qualified professionals regarding their specific financial situation.

2. SMS Messaging Terms

By opting in to receive SMS messages, you agree to receive informational text messages from MTW Companies LLC, including communications sent under Common Wealth Guardians and The Federal Retirement Institute.

Messages may include:

Appointment confirmations and reminders

Webinar and event notifications

Scheduling and informational updates

Message frequency varies

Message and data rates may apply

Reply STOP to opt out

Reply HELP for help

Mobile carriers are not liable for delayed or undelivered messages.

3. User Responsibilities

You agree to provide accurate information and to use our websites and services lawfully. You may not misuse our communications, systems, or content.

4. Intellectual Property

All content on our websites, including text, graphics, logos, videos, and educational materials, is the property of MTW Companies LLC and may not be copied, reproduced, or distributed without written permission.

5. No Guarantees

Results discussed or referenced are not guaranteed. Individual outcomes may vary based on personal circumstances and external factors.

6. Limitation of Liability

To the fullest extent permitted by law, MTW Companies LLC shall not be liable for any indirect, incidental, or consequential damages arising from the use of our websites, services, or communications.

7. Age Restriction

By using our websites or opting in to SMS communications, you confirm that you are at least 18 years old.

8. Privacy Policy

Your use of our services is also governed by our Privacy Policy. A link to the Privacy Policy is provided wherever personal information is collected.

9. Modifications to Terms

We reserve the right to update these Terms & Conditions at any time. Continued use of our services constitutes acceptance of any updates.

10. Contact Information

For questions regarding these Terms & Conditions, contact:

MTW Companies LLC
Email: [email protected]