These Terms & Conditions (“Terms”) govern your use of holisticretirement.net and communications and services offered by Holistic Retirement, LLC (“Holistic Retirement,” “we,” “us,” or “our”). By using the website, you agree to these Terms. If you do not agree, do not use the website.
Informational Purpose Only
Website content, guides, and communications are provided for general educational purposes. They are not individualized investment, tax, accounting, or legal advice and do not create an advisory, fiduciary, insurance-client, or other professional relationship. Insurance product availability, terms, and suitability vary. Consult appropriately licensed professionals regarding your circumstances.
No Guarantee
We strive to provide useful, accurate information but do not guarantee that content is complete, current, or error-free. Examples and projections are illustrative and are not promises of future performance or outcomes.
SMS Messaging Terms
Program: Holistic Retirement, LLC informational and marketing messages.
Message types: Messages may concern requested guides, inquiries, appointments, reminders, service information, and related follow-up.
Frequency: Message frequency varies and messages may recur. Message and data rates may apply.
Opt out: Reply STOP to cancel. After opting out, you may receive one confirmation message. Reply HELP for help, email [email protected], or call (586) 352-9836.
Voluntary consent: Consent to receive text messages is not a condition of purchasing any property, goods, or services.
Carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission by your wireless carrier and is not guaranteed. You confirm that you are authorized to use the number provided and will notify us if that number changes. Our collection and handling of mobile information is described in our Privacy Policy.
Permitted Use
You may use the site only for lawful personal purposes. You may not interfere with site operation, attempt unauthorized access, introduce malicious code, scrape the site in a manner that burdens our systems, impersonate another person, or use site content unlawfully.
Intellectual Property
The website and its original text, graphics, branding, guides, and other content are owned by or licensed to Holistic Retirement and are protected by applicable intellectual-property laws. You may download materials expressly offered for personal, noncommercial use, but may not reproduce, sell, or distribute them without permission.
Third-Party Services and Links
The site may link to third-party services such as scheduling tools, social platforms, or external resources. We do not control and are not responsible for third-party content, availability, security, or practices. Your use of those services is governed by their terms.
Disclaimer of Warranties
To the fullest extent permitted by law, the website and content are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, noninfringement, or uninterrupted availability.
Limitation of Liability
To the fullest extent permitted by law, Holistic Retirement, LLC and its owners, representatives, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of or inability to use the website or reliance on its content.
Governing Law
These Terms are governed by the laws of the State of Michigan, without regard to conflict-of-law principles. Any dispute shall be brought in a court of competent jurisdiction in Michigan, except where applicable law requires otherwise.
Changes and Severability
We may revise these Terms periodically by posting an updated version. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver.
Contact
Questions about these Terms may be sent to Holistic Retirement, LLC at [email protected] or (586) 352-9836.