TERMS AND CONDITIONS OF USE – LIFECARE FINANCIAL SERVICES, LLC
(Site: https://lifecarefinancialservices.com/)
1. Acceptance of Terms
1.1 By accessing or using this website (“Website”), you agree to be bound by these Terms and Conditions of Use (“Terms”).
1.2 If you do not agree to these Terms, you must not use the Website.
1.3 Lifecare Financial Services, LLC may modify these Terms at any time by posting an updated version on the Website. Continued use of the Website after any changes constitutes acceptance of the revised Terms.
2. Scope and Definitions
2.1 “Website” means all pages, content, tools, calculators, educational materials, articles, guides, marketing materials, forms, videos, images, and downloadable content available at https://lifecarefinancialservices.com/.
2.2 “Use” includes accessing, browsing, downloading, printing, interacting with, or submitting information through the Website.
2.3 These Terms apply to all Use of the Website, regardless of the device used.
3. Nature of Services; No Individualized Advice
3.1 Lifecare Financial Services, LLC provides insurance services and general educational and marketing content related to financial planning, retirement income concepts, long-term care planning, and insurance-based solutions.
3.2 The Website does not provide individualized financial, investment, tax, legal, or accounting advice.
3.3 Nothing on the Website should be construed as a recommendation to buy, sell, or hold any security or insurance product.
3.4 Lifecare Financial Services, LLC acts as a solicitor, not as an Investment Adviser Representative (IAR).
3.5 Any investment-related services promoted on the Website are offered only through properly licensed third-party Registered Investment Advisers (RIAs), and any advisory relationship exists solely between the user and the relevant RIA.
3.6 Users must not rely on Website content when making financial or investment decisions.
4. No Client or Advisory Relationship Created
4.1 Viewing the Website or communicating through it does not create an insurance-client relationship, a financial-planning relationship, or an investment-advisory relationship.
4.2 Any professional relationship is formed only after direct communication and the execution of a written agreement with the appropriate entity (insurance carrier, RIA, or other licensed provider).
4.3 Submission of Website forms does not create a relationship of any kind.
5. Intellectual Property Rights
5.1 All Website content is the exclusive property of Lifecare Financial Services, LLC or its licensors and is protected by copyright, trademark, and related laws.
5.2 Users may view, print, or download content solely for personal, noncommercial use.
5.3 Users may not copy, reproduce, distribute, transmit, modify, create derivative works from, or publicly display Website content without prior written permission.
5.4 Unauthorized use of Website content is prohibited and may violate state, federal, or international laws.
6. Permitted and Prohibited Uses
6.1 Users may access the Website only for lawful purposes and in compliance with these Terms.
6.2 Users may not interfere with Website functionality, attempt to bypass security measures, or access data not intended for them.
6.3 Automated data collection tools, bots, scrapers, or harvesting mechanisms are strictly prohibited.
6.4 Users may not use Website content for commercial purposes, resale, or redistribution without written permission.
6.5 Users may not rely on Website content when making financial, insurance, or investment decisions.
7. Third-Party Websites and External Links
7.1 The Website may contain links to third-party websites, financial calculators, insurer portals, investment-management firms, or other external resources not owned or controlled by Lifecare Financial Services, LLC.
7.2 Lifecare Financial Services, LLC is not responsible for the accuracy, legality, security, or content of any third-party website.
7.3 Links do not constitute endorsements or recommendations.
7.4 Users access third-party websites entirely at their own risk.
8. Disclaimers of Accuracy, Completeness, and Timeliness
8.1 The Website may include educational or informational material related to insurance, retirement income concepts, financial-planning topics, and general market information.
8.2 Such content is not guaranteed to be accurate, complete, or current.
8.3 Laws, regulations, insurance-carrier rules, product features, and financial-market conditions change over time, and the Website may not reflect the most recent developments.
8.4 Lifecare Financial Services, LLC has no obligation to update Website content.
9. No Warranties
9.1 The Website and all content are provided “as is” and “as available,” without warranties of any kind.
9.2 Lifecare Financial Services, LLC expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of accuracy, completeness, timeliness, merchantability, fitness for a particular purpose, and non-infringement.
9.3 The firm does not warrant that the Website will operate uninterrupted, be error-free, or be free of harmful components.
9.4 The firm does not warrant the accuracy of information obtained from third-party sources linked through the Website.
10. Limitation of Liability
10.1 To the fullest extent permitted by law, Lifecare Financial Services, LLC and its owners, employees, agents, and affiliates shall not be liable for any damages arising out of or relating to your Use of—or inability to use—the Website.
10.2 This limitation includes direct, indirect, incidental, consequential, special, exemplary, and punitive damages, even if the firm has been advised of the possibility of such damages.
10.3 Users’ exclusive remedy for dissatisfaction with the Website is to stop using the Website.
11. Modifications to Website Content
11.1 Lifecare Financial Services, LLC may modify, update, remove, or discontinue Website content at any time without notice.
11.2 The firm has no obligation to update or maintain any particular content.
12. Governing Law and Dispute Resolution
12.1 These Terms are governed by the laws of the Commonwealth of Virginia.
12.2 Any dispute arising out of or relating to the Website or these Terms shall be brought exclusively in the state or federal courts located in Fairfax County, Virginia.
12.3 Users consent to the jurisdiction and venue of those courts.
13. Severability
13.1 If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.
14. Contact Information
14.1 Questions concerning these Terms should be directed to the contact information listed on the Website’s Contact page.