Terms of Service

Your use of The Heritage Strategies LLC., products, software, services and web sites (referred to collectively as the "Services" in this document) is subject to these Terms of Service and our Security and Privacy Policy (collectively referred to as the "Terms"). This agreement is between you and Heritage Strategies LLC. (Hereinafter referred to as "Heritage Strategies LLC"). Our principal place of business is at 30400 Detroit Road, Suite. 305, Westlake, Ohio 44145.

Agreement to the terms of service and use are binding in the City of Westlake, Ohio, the County of Cuyahoga and the State of Ohio. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to the same.

You accept these terms by (a) clicking to agree or accept the terms or by (b) logging into the product where it states that you are accepting these terms. You may not use the Services or accept the Terms if (a) you are not of legal age to form a binding contract with Heritage Strategies LLC, or (b) you are a person barred from receiving the Services under any applicable laws or regulations.

The information, data, analysis and opinions contained in the Services include the confidential and proprietary information of Heritage Strategies LLC; may include or be derived from account information provided by you which cannot be verified by Heritage Strategies LLC; may not be copied or redistributed; are provided solely for informational purposes and do not constitute an offer to buy or sell a security or service; and are not warranted to be correct, complete or accurate. Except as otherwise provided by law, Heritage Strategies LLC shall not be responsible for any trading decisions, purchase or agreement of additional services by an outside provider, damages or other losses resulting from the use of this information, data, or analysis.

Heritage Strategies LLC. is not registered with the Securities and Exchange Commission as an investment advisor or a broker/dealer. Heritage Strategies LLC. is not registered as a financial planner or planning association. You acknowledge that the Heritage Strategies LLC., its employees and its agents are not financial advisors, financial planners or broker/dealers, and cannot, through the Services, advise you or your clients. If you choose to make investment decisions or purchase decisions of insurance or other products or services for your clients in reliance on information you receive in connection with the Services, you do so at your own risk.

To the maximum extent permitted by law, Heritage Strategies LLC. disclaims any and all liability in the event that any content or data on the service is inaccurate, incomplete, unreliable, or results in any investment, insurance or other losses. Nothing on the service should be construed as an offer to sell, an offer to buy, or a recommendation for or against any security or insurance product by Heritage Strategies LLC. or any third party.

For information about Heritage Strategies LLC., privacy and security policies, as well as data protection practices, please read our Privacy and Security Policy. You agree to the use of your data in accordance with that policy. We are committed to protecting your privacy. Authorized employees within the company on a need to know basis only use any of the information collected from individuals. We constantly review our systems and data to ensure the best possible service to our customers.

You acknowledge and agree that Heritage Strategies LLC, Inc. and/or its licensors own all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services. You further acknowledge that the Services may contain information which is designated confidential by Heritage Strategies LLC. and that you shall not disclose such information without Heritage Strategies LLC. prior written consent. Heritage Strategies LLC., gives you a personal, worldwide, non-assignable and non-exclusive license to use the Services.

You agree not to copy, modify, create a derivative work of, reverse engineer, decompile or otherwise attempt to extract the source code of the Services or any part thereof, unless this is expressly permitted or required by law, or unless you have been specifically told that you may do so by Heritage Strategies LLC., in writing.

The Services are protected by a combination of copyright, trade secret laws and patent protection. Portions of the Services contain information and data from third party providers, subject to their own copyright provisions. All of the information provided in the Services is proprietary to Heritage Strategies LLC, Inc. and/or its content providers; may not be copied or distributed, and is not warranted to be accurate, complete or timely. Neither Heritage Strategies LLC. nor its content providers are responsible for any damages or losses arising from any use of this information.

You acknowledge that each Heritage Strategies LLC account is designed, intended and licensed for use by a single named user only. You agree not to share access to your Heritage Strategies LLC account, login information or password with any other individuals or entities, except where expressly permitted by a separate agreement with Heritage Strategies LLC. You agree that you are solely responsible for the activities that occur under your user account.

If you become aware of any unauthorized use of your password or of your account, you agree to notify Heritage Strategies LLC. immediately at info@yourefolio.com.

You agree to provide accurate and correct information about your identity, your firm, and your status as a licensed investment advisor or certified financial planner. You agree to use the Services only for purposes that are permitted by (a) the Terms, and (b) any applicable laws or regulations.

You agree not to access any of the Services by any means other than the interface provided by Heritage Strategies LLC, except where expressly permitted by a separate agreement with Heritage Strategies LLC. You specifically agree not to use automated means (including the use of scripts or web crawlers) to access the Services. You agree not to engage in any activity that interferes with or disrupts the Services, or the servers and networks connected to the Services.

Unless specifically permitted in a separate agreement with Heritage Strategies LLC, you agree that you will not reproduce, duplicate, copy, sell, trade or resell the Services for any purpose. All information and creation of user profile information contained throughout the website and within the software may not be used in general mailings, mass communications or advertisements, without prior written

Your relationship with Heritage Strategies LLC. will continue to apply until terminated by either you or Heritage Strategies LLC. as set out below.

Heritage Strategies LLC. may at any time, terminate its legal agreement with you if (a) you have breached any provision of the Terms (or have acted in manner which clearly shows that you do not intend to, or are unable to comply with the provisions of the Terms); or (b) Heritage Strategies LLC. is required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); or (c) Heritage Strategies LLC. is transitioning to no longer providing the Services to users in the country in which you are resident or from which you use the service; or (e) the provision of the Services to you by Heritage Strategies LLC. is, in Heritage Strategies LLC’s opinion, no longer commercially viable; or (f) you do not pay the amounts due for the license of the Services according to the terms stated in your invoice.

When these Terms come to an end, all the legal rights, obligations and liabilities that you and Heritage Strategies LLC. have benefited from, been subject to (or which have accrued over time while the Terms have been in force) or which are expressed to continue indefinitely, shall be unaffected by this cessation, including the provisions of the "General Legal Terms" and "Conflict of Laws" sections below.

You are welcome to request cancellation of the Services at any time. If you want to cancel your account, you may do so by written notification to Heritage Strategies LLC. via electronic mail or via postal mail to the address which is set out at the beginning of these Terms. Cancellation is deemed effective when you receive an acknowledgement from a Heritage Strategies LLC employee that your message has been received.

If your firm is paying for an advisor's account, and that advisor leaves your firm, it is your responsibility to notify Heritage Strategies LLC., using the process and timelines described herein, that you will no longer be financially responsible for that advisor's account. If you choose to make such a notification, you also agree to provide the advisors updated contact information, so Heritage Strategies LLC. can attempt to transfer financial responsibility for the account to them.

If you have a service commitment that has not yet expired, both access and billing for the Services will continue until that service commitment ends.

NOTHING IN THESE TERMS, INCLUDING THE "EXCLUSION OF WARRANTIES" AND "LIMITATION OF LIABILITY" SECTIONS, SHALL EXCLUDE OR LIMIT HERITAGE STRATEGIES LLC. WARRANTY OR LIABILITY FOR LOSSES WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THE LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU AND OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND THAT THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."

IN PARTICULAR, HERITAGE STRATEGIES LLC., ITS SUBSIDIARIES AND AFFILIATES, AND ITS LICENSORS DO NOT REPRESENT OR WARRANT TO YOU THAT: (a) YOUR USE OF THE SERVICES WILL MEET YOUR REQUIREMENTS, (b) YOUR USE OF THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR FREE FROM ERROR, (c) ANY INFORMATION OBTAINED BY YOU AS A RESULT OF YOUR USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, AND (d) THAT DEFECTS IN THE OPERATION OR FUNCTIONALITY OF ANY SOFTWARE PROVIDED TO YOU AS PART OF THE SERVICES WILL BE CORRECTED.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM HERITAGE STRATEGIES LLC. OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.

HERITAGE STRATEGIES LLC. FURTHER EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

IT IS UNDERSTOOD FROM TIME TO TIME THAT INFORMATION IS STOLEN BY VARIOUS CRIMINAL ENTITIES. WHILE HERITAGE STRATEGIES LLC. DOES EVERYTHING WITHIN ITS POWER TO CIRCUMVENT THIS FROM HAPPENING IF IT SHOULD OCCUR YOU DO NOT PERSONALLY HOLD LIABLE HERITAGE STRATEGIES LLC., ITS EMPLOYEES OR AFFILIATES LIABLE FOR THIS BREACH.

SUBJECT TO THE OVERALL PROVISIONS IN THESE TERMS, YOU EXPRESSLY UNDERSTAND AND AGREE THAT HERITAGE STRATEGIES LLC., ITS SUBSIDIARIES AND AFFILIATES, AND ITS LICENSORS SHALL NOT BE LIABLE TO YOU FOR:

ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY BE INCURRED BY YOU, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY. THIS SHALL INCLUDE, BUT NOT BE LIMITED TO, ANY LOSS OF PROFIT (WHETHER INCURRED DIRECTLY OR INDIRECTLY), ANY LOSS OF GOODWILL OR BUSINESS REPUTATION, ANY LOSS OF DATA SUFFERED, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR OTHER INTANGIBLE LOSS, DATA STOLEN BY CRIMINAL ACTIVITY, BILLING INFORMATION, CREDIT CARD INFORMATION STOLEN BY CRIMINAL ACTIVITY OF A BREACH OF THE WEBSITE BY CRIMINAL ACTIVITY.

ANY LOSS OR DAMAGE WHICH MAY BE INCURRED BY YOU, INCLUDING BUT NOT LIMITED TO LOSS OR DAMAGE AS A RESULT OF YOUR OR HERITAGE STRATEGIES LLC. ACTIONS;

ANY RELIANCE PLACED BY YOU ON THE COMPLETENESS, ACCURACY OR EXISTENCE OF ANY ADVERTISING, OR AS A RESULT OF ANY RELATIONSHIP OR TRANSACTION BETWEEN YOU AND ANY ADVERTISER OR SPONSOR WHOSE ADVERTISING APPEARS ON THE SERVICES;

ANY CHANGES WHICH HERITAGE STRATEGIES LLC. MAY MAKE TO THE SERVICES, OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE SERVICES (OR ANY FEATURES WITHIN THE SERVICES); THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE, ANY CONTENT AND OTHER COMMUNICATIONS DATA MAINTAINED OR TRANSMITTED BY OR THROUGH YOUR USE OF THE SERVICES;

YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL;

YOUR FAILURE TO PROVIDE HERITAGE STRATEGIES LLC WITH ACCURATE ACCOUNT INFORMATION;

ALL OF THE LIMITATIONS ON HERITAGE STRATEGIES LLC. LIABILITY TO YOU SHALL APPLY WHETHER OR NOT HERITAGE STRATEGIES LLC. HAS BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY SUCH LOSSES ARISING.

Heritage Strategies LLC. may make changes to the Terms from time to time. When these changes are made, Heritage Strategies LLC. will make a new copy of the terms available on its site. You understand and agree that if you use the Services after the date on which the Terms have changed, Heritage Strategies LLC. will treat your use as acceptance of the updated Terms.

The Terms constitute the whole legal agreement between you and Heritage Strategies LLC. and govern your use of the Services (with the exception of any explicitly written and executed side agreements between you and Heritage Strategies LLC.), and completely replace any prior agreements between you and Heritage Strategies LLC. in relation to the Services.

You agree that if Heritage Strategies LLC. does not exercise or enforce any legal right or remedy which is contained in the Terms (or which Heritage Strategies LLC. has the benefit of under any applicable law), this will not be taken to be a formal waiver of Heritage Strategies LLC. rights and that those rights or remedies will still be available to Heritage Strategies LLC.

If any court of law, having the jurisdiction to decide on this matter, rules that any provision of these Terms is invalid, then that provision will be removed from the Terms without affecting the rest of the Terms. The remaining provisions of the Terms will continue to be valid and enforceable.

The Terms, and your relationship with Heritage Strategies LLC. under the Terms, shall be governed by the laws of the State of Ohio without regard to its conflict of law's provisions. You and Heritage Strategies LLC. agree to submit to the exclusive jurisdiction of the courts located within the City of Independence, Ohio, County of Cuyahoga, and the State of Ohio, to resolve any legal matter arising from the Terms. Notwithstanding this, you agree that Heritage Strategies LLC. shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.

User Account Policy

We are thankful for the ability to assist families in their times of need and be able to deliver their most important instructions, documents and information instantly. We're also committed to delivering the industry's best product and support experience, which means that we invest heavily in our software, technology and infrastructure.

We do our best to provide reasonable pricing that allows you to provide this service to your clients, but allows us to consistently deliver a world-class product and support experience. The following are our user account policies and fees.

Professional estate planner is a financial advisor, registered representative, registered investment advisor or investment advisor representative, attorney, certified financial planner or insurance professional. We screen all estate planners for enrollment and have the right to terminate anyone posing as an estate planner or not properly registered as a professional.

It is important to remember that Heritage Strategies LLC. is a subscription based platform that operates on recurring billing. By signing up for this service you will be billed on a recurring basis either monthly or annually, whatever you choose. IT IS YOUR RESPONSIBILITY TO CANCEL THE SERVICE. The terms of cancellation are listed within the user account policy. You will receive an invoice upon initial billing and subsequent charges will be automatically charged to your credit card. If you have previously paid by check, an invoice will be sent 30 days prior to the due date.

The one thing is you can't share user profiles unless receiving prior authorization or you have a private/white label agreement. User accounts are assigned to a specific estate planner. Even though you can have unlimited clients per estate planner, those clients are assigned to one subscriber. You do not need to pay an additional amount for multiple logins (for your assistants). If you are found to be in violation of this policy your account will be suspended until you add the user or modify your account.

Everyone will receive regular emails with helpful hints and suggestions. You will also receive update reminders. Your authorized users will receive email notification and mail notification that you have selected them as an authorized user and how to access the system should something happen to you. You have the right to opt out, just let us no via email or written correspondence.

Heritage Strategies LLC. may at any time, terminate its legal agreement with you if (a) you have breached any provision of the Terms (or have acted in manner which clearly shows that you do not intend to, or are unable to comply with the provisions of the Terms); or (b) Heritage Strategies LLC. is required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); or (c) Heritage Strategies LLC. is transitioning to no longer providing the Services to users in the country in which you are resident or from which you use the service; or (e) the provision of the Services to you by Heritage Strategies LLC. is, in Heritage Strategies LLC.'s opinion, no longer commercially viable; or (f) you do not pay the amounts due for the license of the Services according to the terms stated in your invoice.

You can cancel your account at any time within 30 days and receive a full refund. After 30 days NO REFUNDS WILL BE ISSUED. If you are not sure the system is right for you, please select the month to month payment option before signing your contract. No refunds will be issued for any subscriptions that are part of promotions or affiliated discounts.

If your firm is paying for a professionals account, and that professional leaves your firm, it is your responsibility to notify Heritage Strategies LLC., using the process and timelines described herein, that you will no longer be financially responsible for that professionals account or that you wish to remove them from access to an account in good standing. If you choose to make such a notification that you are no longer paying for the service, you also agree to provide the professionals updated contact information, so Heritage Strategies LLC. can attempt to transfer financial responsibility for the account to them and so they can continue to assist their clients.

Data Ownership

The most important part of this Security and Privacy Policy is the simple principle that your data belongs to you. You are not transferring the ownership of data about your clients by storing it in Heritage Strategies LLC. Your clients are your clients, and the data that you store in Heritage Strategies LLC belongs to you.

We utilize the data in your individual Heritage Strategies LLC account to assist you with support requests, troubleshoot problems, or monitor the performance and effectiveness of the system. In addition, we utilize aggregated data across the entire Heritage Strategies LLC platform to improve its effectiveness, develop insights, or monitor the performance and effectiveness of the system.

Your data is encrypted, we cannot access it. Only the person(s) who have the password can unlock the encrypted data. If you need us to view it for some reason, we will need to reset the password. This method ensures it is your data and only you control the access to it.

Information We Collect and How We Use It

We may collect the following types of information:

Information you provide to us when you establish a Heritage Strategies LLC account, we ask you for personal information. We use the data you enter to provide the Services to you, and develop personalization to make things more relevant. We also analyze all our customer data in aggregate to understand more about the average Heritage Strategies LLC user.

Contact Information. You may be asked for your email address or other personal contact information, which we will never share or sell with third parties.

When you visit Heritage Strategies LLC., we send one or more cookies to your computer or other device. We use cookies to improve the quality of our services, store user preferences and track user trends.

When you access the services, our servers automatically record certain information in an industry-standard way. These logs may include information such as your web request, your interaction with a service, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser or your account. We use logs to improve the quality of our services, debug problems, and track user trends.

Any messages email or communications that you send to Heritage Strategies LLC. may be retained so that we can process your inquiries, respond to your requests or improve the quality of our services. We may use your email address and other personal contact information to communicate with you about our services.

This Privacy Policy applies to Heritage Strategies LLC. services only. We do not have any control over the web sites offered by our partners, or sites that integrate Heritage Strategies LLC services. Those sites are governed by their own privacy policies, which you should read before using them.

Heritage Strategies LLC. processes personal information on our servers in the United States of America and in other countries. In some cases, we process personal information outside your own country.

Information Sharing

Heritage Strategies LLC. only shares personal information with other companies or individuals outside of our company in the following limited circumstances:

If we have your consent, which we require opt-in consent for the sharing of any confidential personal information.

We do not provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons for processing personal information on our behalf.

We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against harm to the rights, property or safety of Heritage Strategies LLC., its users or the public as required or permitted by law.

If Heritage Strategies LLC. is ordered by a legal process or government to provide data about one or more individual users, we will notify those users of our compliance with that order, to the extent permitted by law.

If Heritage Strategies LLC. becomes involved in a merger, acquisition, or any form of sale of some or all its assets, we will ensure the confidentiality of any personal information involved in such transactions and provide notice before personal information is transferred and becomes subject to a different privacy policy.

Information Security

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data.

We restrict access to personal information to only Heritage Strategies LLC. employees, contractors and agents who need to know that information to process it on our behalf. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.

Deleting Your Information

We believe that your data belongs to you, and therefore, you may delete your account at any time that you choose. To request that your account be deleted, please contact us at info@yourefolio.com. Because of the way we maintain our services to protect the integrity of your data, residual copies may take some time before they are deleted, and your data may remain in our backup systems. However, our systems are architected so that your data will drop out of active use for all the uses that we described above.

If you terminate your account, we will not delete your client’s data. You must delete the information from our systems. We will allow access to the profile with a written request from the client or beneficiaries (with proper legal documentation) or other legal means. No one will be able to edit the account. Should you terminate your account and your client wishes to transfer the data to another active subscriber of Heritage Strategies LLC we will notify you first to gather your approval. You own the data and it will not be deleted or transferred without your approval.