LEGAL DISCLAIMER


TERMS AND CONDITIONS

LRS Organizing and its members, officers, directors, owners, employees, agents, representatives, suppliers, and service providers furnish this for informational purposes only. Use of and access to this information, materials, services, and other content available are subject to these terms of use and all applicable laws. All social media content, stories, posts, comments, and messages are for informational and educational purposes only. You should not interpret such information or other material as legal text, investment, financial, or other advice. LRS Organizing is not a licensed financial professional nor a licensed financial advisor.

All content in The Financial Organizing Guide is information of a general nature and does not address the circumstances of any particular individual or entity. Nothing in the guide constitutes professional and/or financial advice, nor does any information in the guide constitute a comprehensive or complete statement of the matters discussed or the law relating thereto.

The guide is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained in the guide constitutes a solicitation, recommendation, endorsement, or offer by LRS Organizing or any third party service provider to buy or sell any securities or other financial instruments in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction.

NO INVESTMENT ADVICE

LRS Organizing is not a fiduciary by virtue of any person’s use of or access to any websites or content. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content before making any decisions based on such information or other content. In exchange for using The Financial Organizing Guide, you agree not to hold LRS Organizing, its affiliates or any third party service provider liable for any possible claim for damages arising from any decision you make based on information or other content made available to you through the guide.

INVESTMENT RISKS

There are risks associated with investing in securities. Investing in stocks, bonds, exchange traded funds, mutual funds, and money market funds involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic, and currency risks and differences in accounting methods. A security’s or a firm’s past investment performance is not a guarantee or predictor of future investment performance.

NOTICE OF INFORMATION PRACTICES & PRIVACY POLICY

This Privacy Policy describes how LRS Organizing treats personal information that is collected and received from you by phone, electronically, or by mail. Personal information includes information about you, such as your name, address, email address, telephone and Social Security numbers, medical and financial information that is not otherwise publicly available. This Privacy Policy does not apply to the practices of companies that LRS Organizing does not own or control, or to people who LRS Organizing does not employ or manage.

INFORMATION COLLECTION AND USE

LRS Organizing collects personal information about you whenever you transact business with LRS Organizing, use LRS Organizing products or services, or visit the Web site. The collection of this information enables LRS Organizing to provide superior service to its clients and customers, to keep you apprised of information and developments that you may find of interest, and to allow LRS Organizing to better understand your needs. LRS Organizing limits access to personal information about you by LRS Organizing agents to those who we believe reasonably need to come into contact with that information to provide products or services to you or to do their jobs.

INFORMATION SHARING AND DISCLOSURE

Your personal information will be intentionally disclosed to third parties only as follows:

Disclosures to Third Parties Assisting in Our Operations LRS Organizing may provide your personal information to trusted operators who work on behalf of or with LRS Organizing. These companies may use your personal information to help LRS Organizing administer its business or communicate with you about offers or other information relevant to LRS Organizing. LRS Organizing will not use or share the personal information provided to us online in ways unrelated to those described above without also providing an opportunity to opt-out or otherwise prohibit such unrelated uses.

DISCLOSURES UNDER SPECIAL CIRCUMSTANCES

LRS Organizing may provide information about you in response to subpoenas, court orders or legal process, or to establish or exercise our legal rights or defend against legal claims. LRS Organizing also may provide information about you if LRS Organizing believes it is necessary to share information in order to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or as otherwise required by law.

SECURITY

LRS Organizing understands that storing our data in a secure manner is essential. LRS Organizing stores general and personally identifiable data using industry standard physical, technical and administrative safeguards to secure data against foreseeable risks, such as unauthorized use, access, disclosure, destruction or modification.

CHANGES TO THIS PRIVACY POLICY

This Privacy Policy may be revised from time to time as we add new features and services, as laws change, and as industry privacy and security best practices evolve. However, small changes or changes that do not significantly affect individual privacy interests may be made at any time without prior notice.

LINKS ON OUR WEBSITE

You may have the opportunity to follow a link to other web sites that may be of interest to you. LRS Organizing endeavors to only link to reputable organizations related to your areas of interest. Because these other web sites may not be hosted or controlled by LRS Organizing, however, we are not responsible for the privacy practices of those web sites or the content provided thereon. Therefore, the privacy policies with respect to these areas may differ from those applicable to the web sites and we encourage you to review the privacy policies of each of those other Web sites. This Privacy Policy only applies to information collected and maintained by LRS Organizing.

HIPAA IS THE FEDERAL HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996

The primary goal of the law is to make it easier for people to keep health insurance, protect the confidentiality and security of healthcare information, and help the healthcare industry control administrative costs. HIPAA provides for the protection of individually identifiable health information that is transmitted or maintained in any form or medium. The privacy rules affect the day-to-day business operations of all organizations that provide medical care and maintain personal health information.

FEDERAL TRADE COMMISSION - FAIR CREDIT REPORTING ACT

The Act (Title VI of the Consumer Credit Protection Act) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report cannot be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit Card Act, but the Commission retains all its enforcement authority.