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Ownership of copyright

The copyright in this website and the material on this website (including, and without limitation to, the text, computer code, artwork, photographs, images, structure, organization, analysis, music, written material, audio material, video material and audio-visual material on this website) are owned by (trguru).

Copyright License

trguru grants to you a non-exclusive, royalty-free, and fully revocable license to:

–          View, and upon paid subscription use, this website and the material and information on this website on a computer or mobile device via any web browser;

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trguru does not grant you any other rights in relation to this website or the material or the processes and analysis described on this website.   In other words, all other rights are reserved.

In order to avoid impropriety or the appearance of impropriety, you may not adapt, edit, change, transform, publish, republish, distribute, redistribute, broadcast, rebroadcast or show or play in public this website or the material on this website (in any form or media) without trguru’s prior written consent.

Data mining

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Enforcement of copyright

trguru regards the protection and upholding of its copyrights very seriously.

If trguru discovers that you have used its copyright materials in violation of the license granted above, trguru will bring legal proceedings against you seeking an injunction to stop you from further using said copyrighted materials and will further seek monetary compensation as damages for use.  trguru will also petition for you to pay any and all attorney fees and court costs incurred in any legal proceedings pertaining to said use.

If you become aware of any use of trguru copyright materials that are in violation of or may be in violation the license above, please report this by email to or by mail to:
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Saratoga Springs, UT  84043

Infringing material

If you become aware of any material on the website that you believe infringes on your or any other person’s copyright, please report this by email to info@trguru by mail to:
212 East State Road 73, Suite 131
Saratoga Springs, UT  84043

Please include with your correspondence the following information:

  • A description of the copyrighted work that you claim has been infringed;
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  • Your address, telephone number, and email address;
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  • A signed statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.



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And Receive:

The web site accolades, free access to the premium version of the app, the one-year subscription to the newsletter, the retirement planning education, plus.... A 50-minute one-on-one retirement assessment and consultation with one of our Retirement Specialists (see our web page for who they are and their bios). This meeting will focus on teaching you how to assess and manage your retirement planning with the help of the Retirement Tracker app. The first 250 who pledge will save $5 on this incentive! Just so you realize how much we love our backers, we want to point out that these consultations will cost $125 via the website. With everything you get at this level, this reward contains nearly $250 worth of services!


And Receive:

You get the aforementioned accolades, 1st access to the premium version of the app, the one-year subscription to the newsletter, plus.... You will also receive access to the beta version of "the Retirement Course", an online education course that will help you understand the various aspects of the retirement planning process and teach you how to maximize your use of the Retirement Tracker app. This course is being developed simultaneous to the app and will retail for $99 once released.


And Receive:

A bigger, heartier "Thank You!" from us, and a better mention on the Benefactors Page on our web site. PLUS... Free download of the app as soon as it hits the Apple Store, with all upgrades and premium features enabled. Also includes a one-year subscription ($20 value) to our bi-weekly retirement planning and economic commentary newsletter (24 issues), which will be delivered via the app.a.