By using joinreachable.com or any ReachABLE product, you agree to these Terms of Service and to our Privacy Policy. If you do not agree, please do not use the service.
Everything on ReachABLE is educational guidance. It is not legal advice, not tax advice, not financial advisory services, and not a substitute for the professional counsel of a licensed attorney, tax preparer, or benefits counselor.
For questions about your specific situation, we recommend:
ReachABLE is available to residents of the United States and its territories. You must be at least 13 years old to use the site directly, or have a parent or guardian using it on your behalf if younger.
The free consumer tier of ReachABLE remains free of charge to individual users in perpetuity. This is a permanent commitment, not a promotional offer.
The free tools are supported in part under U.S. Department of Health and Human Services cooperative agreement HHS-2026-ACL-AOD-DFLA-0025. Long-term funding arrangements are being established.
The free tier will not carry third-party advertising, sponsored content, or data-broker integrations. Ever.
No paid subscription service is currently offered. Additional tools and services may be released in the future following appropriate review, and any such services will be governed by terms presented at that time.
Any organizational partnership or licensed use is governed by separate written agreements that supersede these Terms. No such offering is made through this website at this time.
Use ReachABLE for its intended purposes. You agree not to:
The ReachABLE name and logo, the site design, the underlying rules engines, the video library, and the written educational content are the property of Michelle Yin, the founder of ReachABLE, and were developed before the award of Project ReachABLE. Nothing in these Terms transfers ownership of any intellectual property or limits rights granted to the U.S. Government under applicable federal funding requirements.
You may share links to ReachABLE pages freely. You may quote up to 100 words from any page with attribution to "ReachABLE, founded by Michelle Yin." Bulk reproduction requires written permission.
The chatbot Q&A knowledge base and the state ABLE plan comparison data are provided under a Creative Commons Attribution 4.0 license (CC BY 4.0) so that community organizations and state ABLE programs can freely adopt and adapt them.
ReachABLE is provided "as is." We make no warranty that the site will be uninterrupted or error-free, that estimates and projections will match your actual outcomes, or that state ABLE program terms will not change.
State ABLE program terms, federal benefit rules, and tax law change over time. We update ReachABLE promptly when we learn of changes, but there may be lags. Verify time-sensitive information with the ABLE National Resource Center, your state ABLE program, or a professional advisor before making decisions with significant financial consequences.
To the maximum extent permitted by law, ReachABLE and its officers, employees, and agents are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the service.
Our total liability to any single user in any 12-month period is limited to the amount you have paid us in that period, which for free-tier users is zero.
You may stop using ReachABLE at any time. No action is required to end your use of the free tools.
We may suspend or terminate access for material violation of these Terms, upon reasonable notice where practicable.
These Terms are governed by the laws of the State of Illinois, without regard to conflict of laws principles.
Disputes will be resolved by binding arbitration in Cook County, Illinois, under the Consumer Arbitration Rules of the American Arbitration Association. Small claims court remains available as an alternative. Class action arbitration is not permitted.
Nothing in this section limits your rights under applicable state or federal consumer protection law.
We may update these Terms from time to time. Material changes take effect 30 days after posting, with prominent notice on the site. Continued use after the effective date is your acceptance of the change.
Email: info@joinreachable.com
For questions about these Terms, email info@joinreachable.com.