These Terms of Service (“Terms”) govern your access to and use of MyPensionPath.com, My Pension Path, and related websites, appointment scheduling services, communications, and services operated by MeridianLight LLC (“MeridianLight,” “My Pension Path,” “we,” “us,” or “our”).
Please read these Terms carefully.
By accessing or using MyPensionPath.com, scheduling a Pension & Retirement Review, submitting information through our website, or otherwise using our services, you acknowledge and agree to these Terms and our Privacy Policy.
If you do not agree to these Terms, please do not use our website or services.
You must be at least 18 years of age to use My Pension Path.
My Pension Path is a pension and retirement review service operated by MeridianLight LLC.
Our services are designed to help individuals better understand retirement-related considerations that may include:
Pension benefits;
403(b) and 457(b) retirement accounts;
Social Security considerations;
Personal savings and other retirement resources;
Retirement income considerations; and
Other retirement-related topics relevant to an individual's circumstances.
My Pension Path and MeridianLight LLC are independent of and are not affiliated with or endorsed by any employer, school district, educational institution, government agency, or state or federal pension system.
References to pension systems, retirement programs, government benefits, employers, school districts, or educational institutions are provided for informational and educational purposes and do not imply affiliation, authorization, sponsorship, or endorsement.
Information provided through MyPensionPath.com or during an initial Pension & Retirement Review is intended for general educational and informational purposes.
Information provided through our website should not be interpreted as individualized legal or tax advice.
Pension rules, retirement benefits, Social Security rules, insurance products, tax laws, and other retirement-related matters may change and may vary depending on an individual's circumstances.
You should independently verify pension and government-benefit information with the appropriate pension system, government agency, plan administrator, employer, or other authoritative source when appropriate.
MeridianLight LLC is an independent insurance agency.
Where insurance products or insurance-related recommendations are discussed, such services may only be provided by appropriately licensed insurance professionals and are subject to applicable licensing requirements, product availability, carrier requirements, underwriting, suitability considerations where applicable, and applicable law.
My Pension Path allows individuals to request and schedule a Pension & Retirement Review.
When you request an appointment, MeridianLight LLC may assign your appointment to an appropriately licensed insurance professional based on factors including your state, applicable licensing requirements, appointment availability, and the nature of your request.
The professional assigned to your appointment may receive information you provided when scheduling your review as reasonably necessary to prepare for, conduct, and follow up regarding your requested appointment.
Your assigned professional may contact you using the contact information you provide, subject to applicable law and your communication preferences.
Appointments may be conducted virtually, by telephone, video conference, or through another agreed-upon method.
Appointment availability is not guaranteed, and appointment dates or times may occasionally need to be changed.
We may reassign an appointment to another appropriately licensed professional when reasonably necessary because of availability, licensing, scheduling, operational requirements, or other circumstances.
When scheduling an appointment or otherwise interacting with My Pension Path, you agree to provide information that is reasonably accurate, current, and complete.
You are responsible for the accuracy of information you voluntarily provide.
Information you provide may include your name, telephone number, email address, employer or school district, school or department, job title, state, appointment preferences, retirement-related questions, and other information you choose to provide.
Our collection, use, disclosure, and protection of personal information are described in our Privacy Policy.
By providing your email address or other contact information, you authorize MeridianLight LLC to communicate with you electronically as reasonably necessary to:
Respond to your request;
Schedule and administer your appointment;
Send confirmations and reminders;
Communicate scheduling changes;
Provide requested information; and
Provide appointment-related follow-up.
Where permitted by applicable law, we may also send other communications concerning our services.
Marketing or promotional emails, where applicable, will provide an appropriate method for unsubscribing from future promotional email communications.
Unsubscribing from promotional emails may not prevent us from sending communications reasonably necessary to administer a service or appointment you requested.
If you affirmatively consent to receive text messages from MeridianLight LLC, you may receive non-marketing text messages concerning your requested Pension & Retirement Review, including:
Appointment confirmations;
Appointment reminders;
Scheduling and rescheduling updates; and
Appointment-related follow-up.
Message frequency varies. Message and data rates may apply.
You may cancel SMS communications at any time by replying STOP to a message.
After you send STOP, you may receive a final message confirming that your opt-out request has been processed.
To begin receiving messages again after opting out, you must provide consent again.
For assistance, reply HELP or contact:
Wireless carriers are not responsible for delayed or undelivered messages.
Consent to receive SMS messages is voluntary and is not a condition of receiving a Pension & Retirement Review or purchasing any product or service.
Our collection and handling of mobile information and SMS consent information are described in our Privacy Policy.
A Pension & Retirement Review may identify topics or financial needs that warrant further consideration.
Where appropriate and permitted by applicable law, a licensed insurance professional may discuss insurance products or strategies that may relate to an individual's retirement or protection objectives.
Any decision to apply for an insurance product is separate from the initial review and is voluntary.
Insurance products are subject to applicable terms, conditions, limitations, exclusions, carrier requirements, underwriting requirements where applicable, product availability, and state licensing requirements.
No insurance coverage exists unless and until an insurance carrier issues a policy or contract in accordance with its requirements.
MeridianLight LLC and its insurance professionals do not guarantee that any application will be approved or that any particular insurance product will be available to an individual.
Neither MeridianLight LLC nor My Pension Path guarantees any particular pension, retirement, financial, insurance, tax, Social Security, investment, or other outcome from using our website or participating in a Pension & Retirement Review.
Retirement outcomes depend on numerous factors outside our control, including individual circumstances, financial decisions, market conditions, pension-system rules, government programs, tax laws, insurance-carrier requirements, and future events.
Past results, examples, illustrations, hypothetical scenarios, or educational examples should not be interpreted as guarantees of future results.
Our services may reference information from pension systems, government agencies, employers, insurance carriers, financial institutions, or other third parties.
Although we may use information believed to be reliable, we do not control third-party information and cannot guarantee that all third-party information will always be complete, accurate, or current.
Official pension calculations, benefit determinations, Social Security benefits, plan balances, tax determinations, and similar information should be confirmed with the appropriate authoritative source.
MyPensionPath.com may contain links to or use functionality provided by third-party websites and services.
These may include appointment scheduling, video conferencing, communications, insurance-carrier websites, government resources, pension-system websites, or other external services.
Third-party websites and services are governed by their own terms, privacy policies, and practices.
MeridianLight LLC does not control and is not responsible for the content, security, availability, privacy practices, or operation of third-party websites or services that we do not own or control.
A link to a third-party website does not necessarily constitute an endorsement of that website or its products or services.
Unless otherwise indicated, MyPensionPath.com and its original content, including the My Pension Path name and branding, logos, graphics, website design, written materials, videos, educational materials, and other original content are owned by or licensed to MeridianLight LLC and are protected by applicable intellectual-property laws.
You are granted a limited, revocable, non-exclusive, non-transferable right to access and use our website and its content for your personal, non-commercial purposes.
You may not, without prior written authorization:
Copy or reproduce substantial portions of our content;
Sell, license, distribute, or commercially exploit our content;
Modify or create derivative works from our proprietary materials;
Misrepresent our content as your own;
Use our trademarks or branding in a manner likely to cause confusion; or
Use automated systems to access, scrape, extract, or interfere with our website in violation of applicable law or our instructions.
All rights not expressly granted are reserved.
You agree not to use MyPensionPath.com or our services to:
Violate applicable law;
Submit knowingly false, fraudulent, or misleading information;
Impersonate another individual;
Attempt to gain unauthorized access to systems, accounts, or information;
Introduce malicious software, viruses, or harmful code;
Interfere with website security or operation;
Harvest information from the website through unauthorized automated means;
Violate another person's intellectual-property, privacy, or other legal rights; or
Use our website or services for an unlawful or unauthorized purpose.
We reserve the right to restrict or terminate access to our website or services where we reasonably believe misuse has occurred.
Your privacy is important to us.
Our Privacy Policy explains how MeridianLight LLC collects, uses, discloses, stores, and protects personal information obtained through My Pension Path.
The Privacy Policy also contains additional information regarding mobile telephone numbers and SMS opt-in information.
The Privacy Policy is incorporated into these Terms by reference.
To the fullest extent permitted by applicable law, MyPensionPath.com and its website functionality and content are provided on an “as is” and “as available” basis.
While we endeavor to provide useful and reliable information and services, MeridianLight LLC does not warrant that:
The website will always be available or uninterrupted;
The website will be completely free from errors or technical issues;
All third-party information will always be complete, accurate, or current; or
Use of the website will produce any particular retirement, financial, pension, or insurance outcome.
Nothing in this section limits any warranty or right that cannot legally be excluded under applicable law.
To the fullest extent permitted by applicable law, MeridianLight LLC and its officers, employees, representatives, and affiliates will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or related to your access to or use of MyPensionPath.com or its services.
This includes, where permitted by law, damages arising from website interruption, loss of data, reliance upon general educational information, or the actions or services of third parties outside MeridianLight LLC's reasonable control.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.
We reserve the right to suspend, restrict, discontinue, or terminate access to all or part of MyPensionPath.com or our services when reasonably necessary, including in cases involving misuse, fraud, security concerns, unlawful activity, or violation of these Terms.
We may also modify, suspend, or discontinue features or services from time to time.
We may update these Terms periodically to reflect changes in our services, business practices, technology, or applicable legal requirements.
When these Terms are updated, the Last Updated date at the top of this page will be revised.
Your continued use of our website or services after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.
We encourage you to review these Terms periodically.
These Terms and your use of MyPensionPath.com will be governed by applicable federal law and the laws of the state in which MeridianLight LLC is organized or principally operates, without regard to conflict-of-law principles, except to the extent another jurisdiction's law is required to apply.
If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law or severed where necessary.
The remaining provisions will remain in full force and effect.
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.
A waiver of any provision will be effective only if made in writing by an authorized representative of MeridianLight LLC.
These Terms, together with our Privacy Policy and any other terms or disclosures expressly incorporated by reference, constitute the agreement between you and MeridianLight LLC concerning your use of MyPensionPath.com and the services governed by these Terms.
If you have questions regarding these Terms of Service, please contact:
MeridianLight LLC
My Pension Path
Email: [email protected]
Website: MyPensionPath.com
P.O. Box 2006, Gilbert AZ 85295
My Pension Path is a pension and retirement review service operated by MeridianLight LLC. My Pension Path and MeridianLight LLC are not affiliated with or endorsed by any employer, school district, educational institution, government agency, or state or federal pension system.
© 2026 MeridianLight LLC. All Rights Reserved.