Disclaimer

This website is offered by Life Planning Institute Inc. and its related and/or affiliated entities (collectively, “Life Planning Institute”) to the users conditioned upon your acceptance, without modification, of the terms, conditions, and notices contained herein. Your use of this website and its various web pages constitutes your acceptance and agreement to all terms, conditions, and notices. This Legal Notice applies to this website. Please read the following terms and conditions carefully before using this website. You should review these terms and conditions regularly as they may change at any time in our sole discretion. In the event you do not agree to any term, condition, or notice contained herein, you are not permitted to use the Life Planning Institute website in any capacity or fashion and you must discontinue all use immediately.

1. Liability

UNDER NO CIRCUMSTANCES SHALL LIFE PLANNING INSTITUTE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER, THAT MAY ARISE FROM OR RELATE TO YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE.
Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, to the maximum extent permitted by law, Life Planning Institute’s liability is limited to the minimum amount of liability that is permitted.
THIS WEBSITE CONTENT, AND ALL SUCH INFORMATION, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. ALL WARRANTIES ARE EXPRESSLY DISCLAIMED AND NONE ARE BEING PROVIDED.
LIFE PLANNING INSTITUTE WILL NOT BE LIABLE IN ANY WAY ARISING OUT OF THE USE OF OR INABILITY TO USE THE LIFE PLANNING INSTITUTE WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF LIFE PLANNING INSTITUTE HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES, TO THE EXTENT PERMITTED BY LAW. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE LIFE PLANNING INSTITUTE WEBSITE, OR WITH ANY OF THESE TERMS OR CONDITIONS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE LIFE PLANNING INSTITUTE WEBSITE.
Under no circumstance will Life Planning Institute be liable for damages of any kind related to the use of this website, including, without limitation, any lost profits, business interruption, loss of use, loss of programs or data on your equipment, or otherwise, even if we are expressly advised of the possibility or likelihood of such damages.
The information and other material contained on, included in, or available through this website may contain inaccuracies or typographical errors. Information may be changed or updated without notice. Information on this website is updated periodically and some information presented may not be current. Life Planning Institute has no obligation to update the information presented on this website. Life Planning Institute reserves the right to change the website and website content at any time in its sole discretion. Life Planning Institute shall not be liable for the use of the website, including but not limited to, the content and any errors or omissions contained herein. You acknowledge that your reliance upon any information or content in this website shall be at your sole risk.
NOTHING ON THIS WEBSITE CONSTITUTES ADVICE OF ANY KIND. THE CONTENT AND MATERIAL ON THE LIFE PLANNING INSTITUTE WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL, FINANCIAL, INVESTMENT, OR OTHER DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
LIFE PLANNING INSTITUTE AND/OR ITS PARTNERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, OR ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE Life Planning Institute WEBSITE FOR ANY PURPOSE.
For and in consideration of the use of the Life Planning Institute website, the user(s) hereby remise, release, and forever discharge Life Planning Institute and its respective agents, officers, attorneys, directors, shareholders, partners, employees, successors, assigns, sibling companies, parent companies, and affiliated companies of and from any and all, and all manner of, action and actions, cause and causes of action, claims, suits, debts, breaches of fiduciary duty, other breaches, notes, dues, sums of money, accounts, reckonings, undertakings, bonds, bills, specialties, covenants, contracts, controversies, agreements, guarantees, indemnifications, promises, liens, variances, trespasses, damages, attorneys’ fees, judgments, taxes, interest, penalties, assessments, extents, executions, expenses, claims, demands, and liabilities whatsoever, of every kind and nature, whether or not well-founded in fact or in law, whether known or unknown, whether continent or not contingent, and whether in law or equity or otherwise, which the user ever had, now have, or can, shall, or may have, for or by reason of, arising from, or relating in any way to the Life Planning Institute website, the content of the Life Planning Institute website, and/or the use of the Life Planning Institute website, regardless of when such claim arose or accrued.

2. Third Party Content

LINKS TO THIRD PARTY WEBSITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEBSITES IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.
We reserve the right to terminate a link to a third party website at any time. The fact that we provide a link to a third party website does not mean that we endorse, authorize, or sponsor that website, nor that we are affiliated with the third party website’s owners or sponsors. We do not control such websites and are not responsible for their content. Your access of third-party websites through our links or otherwise is at your sole risk.

3. Use of Communication Services

The Life Planning Institute website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send, and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not do any of the following:
• Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, upload, distribute, or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful topic, name, material, or information.
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy or publicity) unless you own or control the rights thereto or have received all necessary consents.
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or system.
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
• Conduct or forward surveys, contests, pyramid schemes, or chain letters.
• Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
• Restrict or inhibit any other user from using and enjoying the Communication Services.
• Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
• Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
• Violate any applicable laws or regulations.
Life Planning Institute has no obligation to monitor the Communication Services. However, Life Planning Institute reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion and without notice. Life Planning Institute reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
Life Planning Institute reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post, or to remove any information or materials, in whole or in part, in Life Planning Institute’s sole discretion.
Always use caution when giving out any personally identifying information about yourself or your relatives in any Communication Service. Life Planning Institute does not control or endorse the content, messages, or information found in any Communication Service and, therefore, Life Planning Institute specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Life Planning Institute spokespersons, and their views do not necessarily reflect those of Life Planning Institute.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction, and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

4. Proprietary Rights & Restricted Use

Use of the Life Planning Institute website is unauthorized in any jurisdiction that does not give effect to all provisions of the terms and conditions contained in this Legal Notice and on the Life Planning Institute website.
Life Planning Institute is the owner of all of Life Planning Institute’s text contained on this website. You may print a copy of the information contained herein for your personal use; however, you may not reproduce or distribute the text or graphics contained on this website to others or substantially copy the information on your own server, or link to this website, without the prior written permission of Life Planning Institute. You may request permission by contacting Life Planning Institute.
Life Planning Institute does not claim ownership of the materials you provide to Life Planning Institute (including feedback and suggestions) or post, upload, input, or submit to the Life Planning Institute website or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing, or submitting your Submissions, you are granting Life Planning Institute, its affiliated companies, and necessary sublicensees permission to use your Submissions in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submissions; and to publish your name in connection with your Submissions.
No compensation of any kind will be paid with respect to the use of your Submissions, as provided herein. Life Planning Institute is under no obligation to post or use any Submissions you may provide and may remove any Submissions at any time in Life Planning Institute’s sole discretion.
By posting, uploading, inputting, providing or submitting your Submissions, you warrant and represent that you own or otherwise control all of the rights to your Submissions as described in this section, including, without limitation, all the rights necessary for you to provide, post, upload, input, or submit the Submissions.

5. Intellectual Property Rights

Other parties’ trademarks, copyrights and services marks that may be referred to are the property of their respective owners. The names of companies and their products or services mentioned herein may be the trademarks of their respective owners. Nothing on this website should be construed as granting, by implication, waiver, estoppel, or otherwise, any license or right to use any trademark without the owner’s written permission. Neither the name of Life Planning Institute nor our logos may be used in any way, including in advertising or publicity pertaining to distribution of materials on this website, without prior written permission from Life Planning Institute. You are not authorized to use our logos as a hyperlink to this website unless you obtain our written permission in advance. Any rights not expressly granted herein are reserved.

6. No Provision of Investment Advice or Solicitation of Offers

Nothing on this website constitutes investment advice. In addition, our website content does not constitute an offer to sell or solicitation of any insurance product. No product offered by Life Planning Institute is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of such jurisdiction. No such security is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction.

7. Circular 230 Notice

Tax Advice Disclosure: To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained on our websites, including any websites owned, operated or sponsored by any of our affiliates, unless otherwise specifically stated, was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to another party any matters addressed herein. The information on this website is not written or intended as tax or legal advice.

8. Responsible Use

Your use of this website and the information contained therein constitutes your agreement to use any information obtained in connection with such use solely for the purposes intended by Life Planning Institute, and to not alter or distribute such information for any purpose without the express written consent of Life Planning Institute.
As a condition of your use of the Life Planning Institute website, you warrant to Life Planning Institute that you will not use the Life Planning Institute website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Life Planning Institute website in any manner which could damage, disable, overburden, or impair the Life Planning Institute website or interfere with any other party’s use and enjoyment of the Life Planning Institute website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Life Planning Institute website.
Life Planning Institute reserves the right, in its sole discretion, to terminate your access to the Life Planning Institute website and the related services or any portion thereof at any time, without notice.

9. General Terms and Disclaimer

Although Life Planning Institute has made efforts to ensure that the contents of this website are correct and complete, Life Planning Institute cannot be responsible for the accuracy of information contained herein. Please contact a Life Planning Institute representative for the most current information available.
Certain exclusions and limitations may apply.
All products are not available in all areas and are subject to applicable laws, rules, and regulations.
Not affiliated with the United States government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information.
The products, if any, that are described in this website are not intended to, and do not constitute offers to sell or solicitations in connection with any product. Various products may have waiting periods, limitations, and exclusions. The information contained on this website does not constitute financial advice.
To the maximum extent permitted by law, use of this website will be governed by and construed in accordance with the law of the State of Connecticut. Life Planning Institute reserves the right to change the terms and conditions applicable to this website at any time with or without notice in its sole discretion.
Life Planning Institute does not warrant that access to Life Planning Institute’s website or any of its pages will be uninterrupted or error-free.
Nothing contained herein is in derogation of Life Planning Institute’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Life Planning Institute website or information provided to or gathered by Life Planning Institute with respect to such use.
If any part of this Legal Notice is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, the invalidity or unenforceability of a particular provision shall not affect any other provisions or applications which can be given effect without the invalid provision or application. To this end, the provisions are severable. If a particular provision is deemed to be invalid or unenforceable, this provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and modified to match such intent and the remainder of the agreement shall continue in effect.
The captions, headings, and titles in this Legal Notice are solely for convenience and reference and shall in no way define, describe, extend, or limit the scope or intent of this Legal Notice or the intent of any provision hereof.
Unless otherwise specified herein, this agreement constitutes and contains the entire agreement between the user and Life Planning Institute with respect to the Life Planning Institute website and as to the subject matter hereof, and it supersedes or subsumes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Life Planning Institute with respect to the Life Planning Institute website. The terms of this Legal Notice shall not and cannot be altered, amended, modified, or otherwise changed in any respect, except by the means of a written instrument signed by an authorized Life Planning Institute representative.
A printed version of this Legal Notice and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to the use of the Life Planning Institute website and/or this Legal Notice.
In the event that any statement contained on the website is construed to be forward-looking, any such statement is subject to future uncertainties and actual results may differ.
This Legal Notice was modified in September 2015.