These Terms of Service ("Terms") govern your use of the advisory services, digital tools, client portals, and related features offered by Living Benefits Insurance Services, including any associated website or application (collectively, the "Services"). By accessing or using our Services as a client or prospective client, you agree to be legally bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.
The Investment Advisor provides discretionary and/or non-discretionary investment advisory services, including portfolio management, asset allocation, and investment strategy consultation. All advice is tailored to the client’s financial goals, risk tolerance, and investment objectives.
Clients are responsible for providing timely, accurate, and complete information regarding their financial situation. The Investment Advisor is not liable for outcomes resulting from inaccurate or withheld information.
All investments involve risk. Past performance does not guarantee future results. The Investment Advisor does not guarantee any level of return or that investment objectives will be met.
The Investment Advisor may recommend third-party custodians, fund managers, or investment vehicles. Clients are responsible for reviewing the terms and risks associated with these third-party entities..
Fees are outlined in the client agreement and may be based on a percentage of assets under management, flat fees, or hourly consulting rates. All fees will be disclosed in writing before services commence. Late or missed payments may result in suspension or termination of services.
Either party may terminate the advisory relationship at any time with written notice. Upon termination, services will cease, and any prepaid fees may be refunded on a prorated basis at the discretion of the Investment Advisor. The client remains responsible for any outstanding fees or charges incurred prior to the termination date.
All client information is treated as confidential in accordance with federal and state privacy regulations. Information will only be shared with authorized third parties as necessary to deliver services or as required by law.
The Investment Advisor shall not be held liable for any direct or indirect losses, including but not limited to market losses, resulting from investment decisions made by the client or made in good faith on the client’s behalf.
These Terms & Conditions shall be governed by and interpreted in accordance with the laws of [Insert State or Jurisdiction]. Any disputes shall be resolved in the appropriate courts of that jurisdiction.
Ideally reserves the right to modify these Terms at any time. We will notify you of significant changes by posting the updated Terms on our website or through the Service. Your continued use of the Service after such changes constitutes your acceptance of the updated Terms.
If you have any questions about these Terms, please contact us.