Terms of Service

These Terms of Service ("Terms") govern your use of longtermcaretaxtrap.com, The Long-Term Care Tax Trap™ Scorecard, and any related services (collectively, the "Service") operated by Advocate Wealth Solutions and Gregory S. DuPont, Esq. ("we," "us," or "our"). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Acceptance of Terms

By using the Service, you confirm that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an entity, you represent that you have authority to bind that entity to these Terms.

2. Description of the Service

The Service includes educational content, the Long-Term Care Risk Scorecard quiz, email communications, and related materials about long-term care planning, estate planning, and wealth preservation strategies. The Service is for informational and educational purposes only.

3. No Professional Relationship

Use of the Service does not create:

• An attorney-client relationship between you and Gregory S. DuPont, Esq. or any affiliated attorney.
• A financial advisory or investment advisory relationship.
• An insurance broker or agent relationship.
• A tax advisor or CPA relationship.
• Any fiduciary duty owed to you.

To establish a professional relationship, you must engage Advocate Wealth Solutions or its affiliated professionals through a separate written engagement agreement.

4. Educational Use Only

All content on the Service — including articles, scorecard results, emails, statistics, case studies, and recommendations — is provided for educational purposes only. Do not act on any information from this Service without consulting qualified licensed professionals in your jurisdiction. Long-term care planning, estate planning, tax strategy, and insurance decisions involve complex legal and financial considerations that require personalized professional advice.

5. Intellectual Property

All content on the Service — including text, graphics, logos, images, the Scorecard structure, the 4D Estate Plan™ framework, and software — is the property of Advocate Wealth Solutions or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

The Long-Term Care Tax Trap™ and The 4D Estate Plan™ are trademarks of Gregory S. DuPont, Esq.

You may not copy, reproduce, distribute, modify, or create derivative works from any content on the Service without our prior written permission.

6. Acceptable Use

You agree NOT to:

• Use the Service for any unlawful purpose or in violation of any applicable laws.
• Attempt to gain unauthorized access to the Service, its servers, or related systems.
• Reverse engineer, scrape, or harvest data from the Service.
• Impersonate any person or misrepresent your identity.
• Submit false, misleading, or fraudulent information.
• Use the Service to transmit spam, malware, or harmful code.
• Republish, resell, or commercially exploit any content from the Service.

7. Email Communications

By providing your email address, you consent to receive emails from us related to the Service, including educational content, marketing communications, and service-related notices. You may unsubscribe at any time using the link in any email we send.

8. Third-Party Links and Services

The Service may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party site. Your interactions with third parties are governed by their own terms.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR RELIABILITY.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT ANY INFORMATION OBTAINED THROUGH THE SERVICE WILL BE ACCURATE OR APPLICABLE TO YOUR INDIVIDUAL CIRCUMSTANCES.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WEALTH SOLUTIONS NETWORK, GREGORY S. DUPONT, ESQ., AND OUR AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

11. Indemnification

You agree to indemnify, defend, and hold harmless Advocate Wealth Solutions, Gregory S. DuPont, Esq., and our affiliates from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of another party.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Ohio, without regard to its conflict of laws principles. Any dispute arising from these Terms or the Service shall be resolved exclusively in the state or federal courts located in Franklin County, Ohio, and you consent to personal jurisdiction in those courts.

13. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms. Provisions that by their nature should survive termination (e.g., intellectual property, disclaimers, limitation of liability, indemnification) shall survive.

14. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Service after changes constitutes acceptance of the updated Terms.

15. Contact

16. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and us regarding the Service and supersede any prior agreements.