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Terms & Conditions

Last Updated: January 2026

Please read these Terms and Conditions ("Terms") carefully before using the 403b Gold IRA website (the "Service") operated by 403b Gold IRA ("us," "we," or "our").

Agreement to Terms

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Service.

Use of the Service

Educational Purpose

403b Gold IRA is an educational website providing information about Gold IRA investing, including analysis of pros and cons. The content on this website is for general informational purposes only and does not constitute financial, tax, legal, or investment advice.

No Professional Advice

The information provided on this website should not be used as a substitute for professional financial, tax, or legal advice. Always consult with qualified professionals before making investment decisions.

Intellectual Property

The Service and its original content, features, and functionality are owned by 403b Gold IRA and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website without prior written consent.

User Conduct

You agree not to:

  • Use the Service for any unlawful purpose or to solicit others to perform unlawful acts
  • Violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
  • Infringe upon or violate our intellectual property rights or the intellectual property rights of others
  • Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
  • Submit false or misleading information
  • Upload or transmit viruses or any other type of malicious code

Disclaimer of Warranties

The information on this website is provided on an "as is" basis. To the fullest extent permitted by law, 403b Gold IRA:

  • Excludes all representations, warranties, conditions, and terms relating to our website and the use of this website
  • Does not warrant that the website will be available, uninterrupted, secure, or error-free
  • Does not warrant the accuracy, completeness, or usefulness of any information on the website

Limitation of Liability

In no event shall 403b Gold IRA, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

Investment Disclaimer

Investing in precious metals, including Gold IRAs, involves risk. Past performance does not guarantee future results. The value of precious metals can fluctuate, and you may lose money. IRS regulations are complex and subject to change. Always consult with qualified financial advisors, tax professionals, and legal counsel before making investment decisions.

Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by 403b Gold IRA. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

Governing Law

These Terms shall be interpreted and governed by the laws of the United States, without regard to its conflict of law provisions.

Contact Information

If you have any questions about these Terms, please contact us through our contact page.

Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Frequently Asked Questions

Common questions about 403(b) to Gold IRA conversions

403(b) to Gold IRA: Rules Specific to Tax-Exempt Employees

A 403(b) plan (also called a Tax-Sheltered Annuity) is available only to employees of specific tax-exempt organizations. Rolling these funds into a Gold IRA has unique considerations that differ from 401(k) rollovers.

Who Has a 403(b)?

  • Public school teachers & administrators
  • 501(c)(3) nonprofit employees
  • Hospital & healthcare workers (nonprofit)
  • Ministers and clergy members
  • University professors and staff

Rollover Timing Rules

  • After separation: Full rollover allowed
  • Age 59½+: In-service withdrawal permitted
  • Hardship: The IRS prohibits rolling over hardship distributions — eligible for distribution only
  • 15-year rule: Extra $3,000/yr catch-up for 15+ years of service
  • Direct rollover: Avoids 20% withholding

403(b) vs. 401(k) Differences

  • 403(b) may have annuity surrender charges
  • Fewer in-plan investment options
  • Same 2026 limit: $23,500 ($31,000 if 50+)
  • Special 15-year catch-up unique to 403(b)
  • Church plans may be exempt from ERISA

Watch out for annuity surrender charges: Many 403(b) plans use fixed or variable annuity contracts. Transferring before the surrender period ends (often 5-10 years) can trigger significant fees. Check your contract’s surrender schedule before initiating a rollover.

Reviewed by Our Editorial Team. Sources: IRS Publication 571, IRC §403(b), Revenue Ruling 2011-7.