In this episode, Tim asks the question many pilots hear in the cockpit: Is your 401(k) a scam? He walks through why 401(k)s exist, how they replaced pensions, and what today’s airline plans actually offer: contribution mechanics, investment menus, legal protections, and employer contributions specific to the majors. Tim also shares a listener email requesting a cargo-carrier disability deep-dive and invites other cargo pilots to weigh in.

What You'll Learn from This Episode

• Pensions vs. 401(k)s: Why pensions faded (PBGC oversight, funding issues)
  and how 401(k)s became the primary retirement tool.
• How Airline 401(k)s Work: Salary deferrals: pre-tax and Roth, after-tax
  contributions, investment menus, brokerage window.
• Contribution Limits & Employer Money: What “up to $70,000 per year”
  includes: deferral, after-tax non-Roth, NEC; why big plans mean lower-cost
  funds.
• Ownership & Vesting: Immediate vesting when dollars hit your account: what it means if you stay or leave.
• Legal Protections & Risks: 401(k)s protected from creditors, suits, bankruptcy; IRA and Roth IRA bankruptcy protection to ~$1.7M through 2028; civil-suit rules vary by state; QDROs in divorce are the exception.
• Beneficiaries that Bypass Probate: Keep beneficiaries current to speed
  distributions and reduce taxes.
• What Might Be Coming Next: In August order asks DOL to review alternatives
  in 401(k)s: private equity, private credit, crypto, real estate, digital assets

Resources:
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

In this episode, Timothy P. Pope, CFP®, discusses the newly signed "One Big Beautiful Bill Act" (OBBBA), breaking down the key tax changes and how they'll directly affect your bottom line. Tim explains the impact of maintaining current tax brackets, the increased standard deduction, and significant enhancements to State and Local Tax (SALT) deductions. He covers new provisions for charitable deductions, expanded child tax credits, and special interest deductions on U.S.-assembled vehicles. Additionally, Tim details the substantial improvements to 529 education savings plans and their greater flexibility moving forward.

What You'll Learn from This Episode

• Unchanged Tax Brackets: Why maintaining current brackets impacts your tax planning and financial strategies.
• Higher Standard Deductions: Understand the new deduction levels and how they apply based on your filing status.
• SALT Deduction Increase: Details on the jump to a $40,000 limit and phase-out thresholds starting at certain AGI levels.
• Charitable Contributions: How even non-itemizers can benefit from deductions of up to $2,000.
• Child Tax Credit Boost: Explanation of the credit increase to $2,200 per child and the associated AGI phase-out.
• Vehicle Interest Deduction: Insight into the tax incentives for financing U.S.-assembled vehicles.
• 529 Education Savings Expansion: Review major improvements, including higher withdrawal limits and new Roth IRA rollover opportunities.

Resources:
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

In this final episode of the Loss of Medical series, Timothy P. Pope, CFP® turns the spotlight on United Airlines. Tim offers a full breakdown of United’s disability coverage—from how benefits are calculated to the contractual caps and offsets that impact long-term payouts. He also reviews the ALPA supplement options, including monthly add-ons and a lump sum feature. 

What You'll Learn from This Episode

• United’s Disability Formula: Learn how the 1026-hour rule works and what it means for your monthly income if you lose your medical.
• Understanding the Cap: Why pilots earning over ~$358k in 2025 could be limited by a hard monthly maximum.
  Tax Treatment: United’s benefit is after-tax by default - Tim explains why that can work in your favor.
• NEC Contributions While Disabled: Where it goes and why it still matters for your long-term savings.
• ALPA Supplement Options: Review of United's three ALPA disability add-ons-Base, Plus, and Lump Sum - and how to assess what’s right for you.
• Life Insurance Observations: A brief comparison of United’s life insurance benefit versus other major carriers - and why pilots should negotiate for more.

Resources:
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

In this episode of Pilot’s Portfolio, Timothy P. Pope, CFP® continues the Loss of Medical series with a deep dive into what happens if a Southwest Airlines pilot loses their medical. Tim outlines why Southwest’s program may be the most pilot-friendly of all the majors, including generous long-term disability benefits, a built-in COLA, a flexible tax election, and the unique “new hire bridge” benefit for newer pilots. If you fly for Southwest—or are considering it—this episode is packed with practical details and planning tips to help you protect your income and plan ahead.

What You'll Learn from This Episode

• How Southwest Calculates Disability Pay: From average earnings to TFP-based formulas for newer hires.
• Understanding Elimination Periods and Coverage Timelines: What happens after 60 days and how long benefits last.
• COLA Adjustments and Sick Bank Top-Ups: How Southwest increases benefits over time and allows you to supplement with accrued sick leave.
• Tax Election Options: When and why to choose taxable vs. non-taxable disability benefits—and why timing matters.
  Union Supplement Plans (SWAPA): Option A vs. B explained, plus how to backfill income gaps with short-term and long-term strategies.

Resources:
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

In this detailed solo episode of Pilot’s Portfolio, Timothy P. Pope, CFP® walks Delta pilots through everything they need to know if they lose their medical and can’t fly. From contractual long-term disability benefits and the Delta Pilots Mutual Aid (DPMA) program to ALPA’s voluntary insurance options, Tim explains how to layer your benefits, understand offsets, and evaluate your real financial protection. This episode is packed with actionable knowledge to help Delta pilots build a smarter, more secure plan in case their career takes an unexpected turn.

What You'll Learn from This Episode

• Delta’s Disability Structure: How 50% of your final average earnings are calculated and taxed.
• Offsets That Matter: What other income or benefits can reduce your disability payout—and which won’t.
• DPMA Explained: How the mutual aid program adds 25% tax-free coverage and survivor benefits.
• ALPA Disability Plans: Breakdown of base, plus, and lump sum disability coverages—and when they kick in.
• How to Strategically Layer Coverage: Understand how different timelines and policies combine to protect your income across short- and long-term scenarios.

Resources:
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

In this special episode of Pilot's Portfolio, Timothy P. Pope, CFP® sits down once again with Kevin Walker, CEO of Beacon Relocation, to break down current trends in the housing market that every pilot should be paying attention to. From shifting interest rates to buyer leverage, Tim and Kevin discuss what has changed since the last real estate conversation and how pilots can take advantage of current conditions. Plus, Tim shares an exciting update about the future of the financial planning practice and the official rebrand of 360 Aviation Advisors, an Registered Investment Advisor firm offering financial planning and investment management to professional pilots. 

What You'll Learn from This Episode:

• What’s Changed in the Market: Insights into how pilot homebuyers can leverage current trends.
• Real Estate Agent Strategy: Why pilots should focus on agent experience and transparency.
• Fee Rebates & Cost-Saving Tools: How Beacon Relocation helps pilots lower transaction and moving costs.
• Practice Update: Tim announces the transition to 360 Aviation Advisors and what that means for current and future clients.
• Next Steps for Listeners: What to expect from the rebranded firm and how to stay in touch.

Resources:
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Contact Kevin for the buyer or sellers guide:

• [email protected]
• Call/text: 803-493-6773

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

In this focused solo episode, Timothy P. Pope, CFP®, breaks down what happens if an American Airlines pilot loses their medical and becomes unable to fly. Tim reviews the employer-provided long-term disability plan, the union-sponsored POD and PMA supplements, and how pilots can combine these for up to 90% of pre-disability income. From elimination periods to taxation choices and income offsets, this episode equips you with the knowledge to protect your financial stability if your career hits unexpected turbulence.

What You'll Learn from This Episode:

• How the American Airlines Disability Plan Works: Understand the 50% income replacement structure and how it’s calculated.
• Pre-Tax vs After-Tax Election: Learn how this annual choice impacts your benefits and tax burden.
• No Offsets for Outside Income: Discover why this is a major advantage in the AA disability plan.
• Union Benefits Breakdown: Get clarity on the Pilot Occupational Disability (POD) and Pilot Mutual Aid (PMA) supplements.
• Financial Planning Around Disability: Tips on aligning emergency funds, taxable income, and long-term strategies based on your earnings level.

Resources:
Pilot Occupational Disability Plan (POD) Chart
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

In this episode of Pilot’s Portfolio, Timothy P. Pope, CFP® shares practical strategies for building financial resilience in volatile times. Drawing parallels between aviation safety and financial planning, Tim explains how pilots can strengthen their financial "redundancy" to absorb unexpected challenges like airline slowdowns, downgrades, or health setbacks. Whether you're buying a home, saving for retirement, or thinking about Roth conversions during market pullbacks, this episode is packed with actionable tips to help pilots stay financially stable and confident through every phase of their career.

What You'll Learn from This Episode:

• Building Financial Redundancy: Why having multiple layers of financial security is crucial for pilots.
• Home Buying and Vehicle Financing Tips: How to stay financially flexible by avoiding the upper limit of your purchasing power.
• Timing Major Financial Moves: Why it's important to match financial decisions to your career "altitude."
• Access to Liquidity: The role of cash and brokerage assets in navigating downturns and opportunities.
• Roth Conversions and IRA Strategies: How down markets could create potential opportunities for smarter tax planning moves.

Resources:
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

Join Timothy P. Pope, CFP®, and John Engel, COO of Gulf Coast Western, as they discuss strategic investment opportunities in the oil and gas sector that could help high-earning pilots. This episode offers an insider look into tax benefits and how to leverage investments to offset high W2 incomes and to secure tax advantaged future income. Dive deep into the mechanics of oil investments and learn how to navigate this market with industry insights.

What You'll Learn from This Episode:

• Tax Incentives Explained: Discover how pilots can utilize specific tax breaks offered within the oil and gas industry to lower taxable income.
• Understanding Oil Investments: Gain insights into the types of drilling and partnerships that minimize risks while offering substantial tax advantages.
• Strategic Financial Benefits: Learn how investing in oil and gas can fit into a pilot's broader financial strategy, including retirement planning.
• Navigating Risks and Returns: Understand the risk profile of oil and gas investments and how to mitigate them through strategic planning and partnerships.
• Long-term Financial Planning: Learn how these investments can provide sustained income and tax benefits over the long term, aligning with retirement goals.

Resources:
Gulf Coast Western
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.

Join Timothy P. Pope, CFP®, in a profoundly important episode of Pilot's Portfolio, where he tackles the uncomfortable yet crucial topic of estate and financial planning for pilots. With a recent tragic aviation incident as a backdrop, Tim highlights the necessity of being prepared for unforeseen events. This discussion is not just about planning for growth and success but ensuring stability and security for your loved ones.

What You'll Learn from This Episode:

• Understanding Estate Planning: The critical importance of having a comprehensive and up-to-date estate plan as a pilot.
• Financial Organization: Tips on organizing your finances so that you or your loved ones can easily access important information when needed.
• Life Insurance Essentials: The role of life insurance in providing for your family's future and how to ensure your policies are aligned with your current life stage.
• Navigating Discussions on Tough Topics: Strategies for having those tough but necessary financial planning conversations with your spouse or family.
• Actionable Steps for Preparedness: Practical advice on setting up beneficiaries, understanding the implications of property titles, and ensuring all financial documents are in order.

Resources:
Schedule An Appointment
Our Practice’s Website
Send Us Your Questions: [email protected]

This episode is sponsored by: Beacon Relocation

Beacon Relocation is a real estate firm helping pilots and air traffic controllers save money on their real estate transactions. By tapping into their network of over 1500 real estate agents across the country, pilots can save 20% of the real estate agent’s commission towards your closing cost on the sale or purchase of your home. Visit https://www.beaconrelocation.com/ to learn more. 

Timothy P. Pope is a Certified Financial Planner™and principal owner of 360 Aviation Advisors, LLC (“360 Aviation Advisors”), a registered investment advisory firm. Investment advisory services are provided through 360 Aviation Advisors, in its separate and individual capacity as a registered investment adviser. Podcast episodes are provided through Pilot’s Portfolio, in its separate and individual capacity.

We try to provide content that is true and accurate as of the date of publishing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. We assume no responsibility for information contained on this website and disclaim all liability in respect of such information, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements.

Links to external websites are provided solely for your convenience. We accept no liability for any linked sites or their content and remind you that we have no control over their content. When visiting external web sites, users should review those websites’ privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.

Usage of this content constitutes an explicit understanding and acceptance of the terms of this disclaimer.