KB Stores LLC

Terms of Service

Effective and last updated October 28, 2026

These Terms of Service (“Terms”) govern your access to and use of doublescoopretirement.com and pages operated by KB Stores LLC, doing business as Double Scoop Retirement (“we,” “us,” or “our”). By using the Site, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site.

1. Eligibility

You must be at least 18 years old and legally able to enter a binding agreement to use the Site. The Site is intended for users located in the United States.

2. Informational and advertising service

Double Scoop Retirement is an advertising-supported publisher. Our content is for general informational and educational purposes only and is not individualized financial, investment, tax, legal, or credit advice. We are not a lender, bank, mortgage broker, loan originator, financial adviser, or agent or representative of you. We are not a government agency and are not affiliated with HUD or the FHA.

Nothing on the Site is an offer, approval, commitment to lend, or guarantee of credit or of any loan amount. Stories and examples on the Site may be illustrative, names and details may be changed, and individual results vary. You should independently evaluate any product and consult a qualified professional, including a HUD-approved housing counselor where applicable.

3. Affiliate and advertising disclosure

We may receive compensation when you view, click, submit information through, or obtain a product from an advertiser or partner linked from the Site. Compensation may affect which products we feature and their placement. Not every available company, product, or offer is included.

4. Loan amounts, terms, and eligibility

Loan amounts, rates, fees, and other offer details may change and may be supplied by advertisers or public sources. The amount you may be able to access, and whether you qualify, depend on factors such as the age of the youngest borrower, home value, existing mortgage balance, interest rates, lender criteria, state, and market conditions. Reverse mortgage borrowers must live in the home as a primary residence, pay property taxes, homeowners insurance and any HOA dues, and maintain the home. Interest and fees are added to the loan balance over time. Verify all material terms directly with the lender before applying or accepting an offer.

5. Third-party providers and links

When you click a partner link, you leave our Site and interact with an independent third party. The third party controls its application, underwriting, communications, consent language, products, privacy practices, and services. We do not make credit or eligibility decisions, process applications, or control whether a provider calls or texts you. Your dealings with third parties are solely between you and them, and their terms and policies apply.

6. Electronic communications

If you email us, you consent to receive responsive electronic communications from us. Any consent you provide on a partner’s website to receive calls, texts, automated messages, or marketing communications is given to the parties identified in that partner’s consent language—not to Double Scoop Retirement unless we are expressly named. Consent to marketing is not a condition of using this Site.

7. Acceptable use

You may use the Site only for lawful, personal, noncommercial purposes. You may not interfere with Site operation or security; introduce malicious code; scrape, copy, frame, or republish Site content at scale; impersonate another person; or use the Site in violation of law.

8. Intellectual property

The Site and its text, design, graphics, logos, and other content are owned by or licensed to KB Stores LLC and are protected by intellectual-property laws. We grant you a limited, revocable, nonexclusive, nontransferable right to access the Site for personal use.

9. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR UNINTERRUPTED AVAILABILITY.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KB STORES LLC AND ITS MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, OR OPPORTUNITIES; OR DAMAGES ARISING FROM THIRD-PARTY PRODUCTS, COMMUNICATIONS, DECISIONS, OR SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID US, IF ANY, TO USE THE SITE DURING THE 12 MONTHS BEFORE THE CLAIM. Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.

11. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless KB Stores LLC and its members, managers, employees, contractors, affiliates, and service providers from claims, liabilities, damages, judgments, losses, and expenses, including reasonable attorneys’ fees, arising from your unlawful use of the Site, your violation of these Terms, or your infringement of another party’s rights.

12. Disputes, governing law, and venue

These Terms are governed by Florida law, without regard to conflict-of-law principles. Before filing a claim, you and KB Stores LLC agree to send written notice describing the dispute and requested relief and to attempt in good faith to resolve it for 30 days.

Unless applicable law requires otherwise, any lawsuit arising from the Site or these Terms must be brought exclusively in the state or federal courts serving Pinellas County, Florida, and each party consents to their jurisdiction and venue. You and KB Stores LLC waive any right to a jury trial to the extent permitted by law. Claims must be brought individually and not as a plaintiff or class member in a class, consolidated, or representative action, to the extent permitted by law.

13. Changes, severability, and entire agreement

We may update the Site and these Terms. Updated Terms take effect when posted unless otherwise stated. If a provision is found unenforceable, it will be enforced to the maximum permissible extent and the remaining provisions will remain effective. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Site.

14. Contact