TERMS & CONDITIONS

1. Acceptance of Terms

By accessing, browsing, or otherwise using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Notice. If you are using the Site on behalf of an organization, you represent that you have authority to bind that organization to these Terms. 

2. Eligibility

The Site is intended for users who are at least 18 years of age and residents of the United States. By using the Site, you represent that you meet these requirements. The Site is not directed to individuals located outside the United States, and we make no representation that content is appropriate or available for use in other jurisdictions. 

3. No Investment, Tax, or Legal Advice

The content on the Site, including articles, blog posts, videos, podcasts, radio and TV segments, calculators, guides, and other materials, is provided for general informational and educational purposes only. It does not constitute investment, tax, legal, accounting, or other professional advice, and it is not an offer to sell or a solicitation of an offer to buy any security, insurance product, or service. 

You should not act or rely on any information on the Site without seeking the advice of a qualified professional who is familiar with your specific circumstances. Past performance is not indicative of future results. All investing involves risk, including the potential loss of principal. 

4. Advisory & Insurance Services Disclosure

LifePlan Financial Design, Inc. is an independent financial services firm that helps clients create retirement strategies using a variety of investment and insurance products. Investment advisory services are offered through Stewards Wealth Planning, LLC, a Registered Investment Advisory Firm. Michael B. Douglas is an Investment Advisor Representative of Stewards Wealth Planning, LLC. Insurance products and annuities are offered separately and are not securities. Product guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Neither LifePlan nor its representatives may give tax or legal advice. 

5. Third-Party Content, Tools, and Links

The Site may include content, tools, calculators, videos, or links to third-party websites and services that are not owned or controlled by LifePlan. We do not endorse, guarantee, or assume responsibility for any third-party content, products, services, or practices. Your access to and use of any third-party site or service is at your own risk and subject to that third party’s terms and privacy policy. 

6. Intellectual Property

All content on the Site — including text, graphics, logos, images, videos, audio, guides, and the LifePlan Financial Design, Inc. name and logo — is the property of LifePlan or its licensors and is protected by U.S. copyright, trademark, and other intellectual property laws. You may view, download, and print content for your personal, non-commercial use only, provided you do not modify or remove any copyright or proprietary notices. Any other use requires our prior written consent. 

7. Acceptable Use

You agree not to: 

• Use the Site in any way that violates any applicable federal, state, local, or international law or regulation; 

• Attempt to gain unauthorized access to any portion of the Site, our servers, or any connected systems; 

• Introduce viruses, worms, malware, or other malicious code; 

• Scrape, harvest, or otherwise collect information about other users; 

• Impersonate any person or misrepresent your affiliation with any person or entity; 

• Interfere with, disrupt, or create an undue burden on the Site or its infrastructure; 

• Use the Site to transmit unsolicited advertising or promotional materials. 

8. Account Access and Client Portal

Certain features of the Site — including the Client Portal and Secure Upload — require authentication. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to protect your credentials. 

9. Communications and Electronic Records

By using the Site or providing your contact information, you consent to receive electronic communications from us (including email, text, and Site notifications) related to your inquiry, account, or the services you have requested. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. You may withdraw this consent at any time by contacting us using the information at the end of these Terms; however, withdrawing consent may affect our ability to provide certain services. 

10. Scheduling and Inquiry Forms

If you use the Site to schedule an appointment, submit a contact form, or otherwise provide your information to us, you represent that the information you provide is accurate and complete. Submitting a form does not create a client, advisory, or fiduciary relationship. A formal relationship is established only through a written agreement signed by both parties. 

11. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION. We do not warrant that the Site will be secure, error-free, or free of viruses or other harmful components, or that any information will be accurate, complete, or timely. 

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LIFEPLAN FINANCIAL DESIGN, INC., ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR ITS CONTENT — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. 

13. Indemnification

You agree to defend, indemnify, and hold harmless LifePlan Financial Design, Inc., its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site. 

14. Modifications to the Site and Terms

We may modify, suspend, or discontinue any portion of the Site at any time without notice. We may also revise these Terms from time to time. Any changes will be effective when posted on the Site, and your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically. 

15. Governing Law and Venue

These Terms are governed by the laws of the State of Michigan, without regard to its conflict-of-laws principles. You agree that any dispute arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Ingham County, Michigan, and you consent to the personal jurisdiction of those courts. 

16. Severability

If any provision of these Terms is found to be unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.