Lourdes Lopez

Terms of Use

Effective Date:

Introduction

These Terms of Use ("Terms") govern your use of lourdeslopez.com (the "Website"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please refrain from using the Website.

Lourdes Lopez is a licensed representative of Primerica Financial Services, providing financial education, term life insurance, investments, and financial planning services. The Website allows you to learn about financial services, schedule consultations, and contact us for financial planning assistance.

We encourage you to read these Terms carefully, as they outline important legal rights and obligations regarding your use of the Website. The Terms also cover aspects related to privacy, data protection, intellectual property, and limitations of liability.

Please note that our Privacy Policy, accessible separately on the Website, governs the collection, use, and protection of your personal information. By using the Website, you also agree to our Privacy Policy.

We reserve the right to modify or update these Terms from time to time. Any changes will be effective immediately upon posting the updated Terms on this page. It is your responsibility to review these Terms regularly to stay informed about any modifications.

Your continued use of the Website after changes to the Terms indicates your acceptance of the updated Terms. If you disagree with any part of the Terms, you may discontinue using the Website.

If you have any questions or concerns about these Terms or our services, please don't hesitate to contact us.

Suspension or Termination

Lourdes Lopez reserves the right to suspend or terminate use of the Website, at our discretion by blocking your device and IP address, for any reason, including but not limited to violation of these Terms or engaging in prohibited activities. In the event of suspension or termination, you may be notified via email or other means, provided we have the necessary means to do so.

Use of Services

Permitted Use

Lourdes Lopez, as a licensed representative of Primerica Financial Services, provides financial education, term life insurance products, investment services, and financial planning guidance as listed on the Website. You are permitted to view the content on the Website for informational and educational purposes without violating any applicable laws or regulations. You may also use the Website for any of the following purposes:

Prohibited Use

While using the Website, you must refrain from engaging in the following activities:

User Content

While using the Website, you may have the opportunity to submit content through contact forms or consultation requests. By doing so, you retain all ownership and intellectual property rights to the content you provide. Lourdes Lopez does not claim any ownership or rights to your personal information.

By submitting content via web forms, you grant us a limited, non-exclusive, worldwide, royalty-free license to use your information solely for the purpose of providing financial services, scheduling consultations, and maintaining client relationships. This license allows us to store and use your information to serve your financial planning needs.

We will not use, modify, adapt, or distribute your personal information outside our legitimate business purposes, and we will not share your information with third parties, except as required to provide services or as otherwise outlined in our Privacy Policy.

You are solely responsible for the accuracy of information you submit to the Website. You represent and warrant that you have provided truthful information and consent to our use of this information for financial services purposes.

Intellectual Property Rights

All materials, content, and features available on the Website, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the property of Lourdes Lopez or its licensors and are protected by applicable intellectual property laws.

You agree not to reproduce, modify, distribute, or create derivative works based on the materials and content without the express written consent of Lourdes Lopez.

Financial Services Disclaimers

Investment and Insurance Disclaimers

The information provided on this Website is for educational purposes only and should not be considered as personalized financial advice. All financial decisions should be made based on your individual circumstances and in consultation with qualified financial professionals.

Securities offered by PFS Investments Inc., member FINRA/SIPC. Term life insurance offered by Primerica Life Insurance Company. Investment and insurance products are not FDIC insured, are not bank guaranteed, and may lose value.

Licensing Information

Lourdes Lopez is a licensed representative of Primerica Financial Services. All insurance and investment products offered are subject to state licensing requirements and regulatory oversight. Services may not be available in all states or to all individuals.

Risk Disclosure

All investments involve risk, including potential loss of principal. Past performance does not guarantee future results. Before making any investment decisions, please carefully review all applicable prospectuses and disclosure documents.

Privacy and Data Protection

We take your privacy and data protection seriously. Our Privacy Policy outlines how we collect, use, store, and protect your personal information and data when you use our website and services. By using the Website, you agree to the practices described in our Privacy Policy.

Please take the time to review our Privacy Policy to understand how we handle your personal information. It explains the types of data we collect, the purposes for which we use your data, and your rights regarding your personal information.

To protect your privacy and ensure the security of your data, we implement industry-standard measures and best practices. However, please be aware that no method of data transmission or storage is completely secure. While we strive to protect your data, we cannot guarantee its absolute security.

If you have any questions or concerns about our data practices or the Privacy Policy, please don't hesitate to contact us using the contact information provided at the end of this document.

By using the Website, you acknowledge that you have read, understood, and agreed to the terms of our Privacy Policy.

Third-Party Services

The Website may contain links to third-party websites or services that are not owned or controlled by us. The Website also includes embedded content from third-party services, including but not limited to Calendly (for appointment scheduling) and Vimeo (for educational videos). These third-party services may use cookies or similar technologies and have their own terms of service and privacy policies.

Please be aware that Lourdes Lopez has no control over and assumes no responsibility for the content, practices, or policies of any third-party websites or services. By using the Website, you acknowledge and agree that Lourdes Lopez shall not be held liable for any loss or damage arising from your use of any third-party services.

We encourage you to read the terms of service and privacy policies of any third-party services you access through links on the Website or through embedded content. Your interactions with these third-party services are solely between you and the respective third parties, and any issues or disputes should be addressed directly with them.

When using embedded third-party services like Calendly or Vimeo, please be aware that these services may collect information about your usage and may use cookies or similar technologies. For more information about how we handle third-party services, please review our Privacy Policy.

Warranty Disclaimer

The Website is provided on an "as-is" and "as-available" basis. While we strive to provide accurate, reliable, and high-quality service through the Website, we make no warranties or representations of any kind, whether express or implied, regarding the performance, reliability, availability, or suitability of the Website.

Your use of the Website is at your own risk. We do not warrant that the services will be uninterrupted, error-free, or secure, or that any defects or issues will be corrected. We do not guarantee the accuracy, completeness, or reliability of any information or content available on the Website.

To the fullest extent permitted by applicable law, Lourdes Lopez disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

Any content, information, or material downloaded or otherwise obtained through the use of the Website is done at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that may result from accessing or using our services.

The information provided on the Website is for educational purposes only and does not constitute financial advice. All financial services and products are subject to market risks and regulatory changes.

Limitation of Liability

In no event shall Lourdes Lopez, its directors, officers, employees, agents, or affiliates be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or in connection with your use of the Website or the inability to use the Website.

You agree that any claim or cause of action arising from or related to your use of the Website must be filed within one year after such claim or cause of action arose or be forever barred.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you to the extent prohibited by applicable law.

In any case, the total liability of Lourdes Lopez and its affiliates for any claims arising out of or related to these Terms or the use of the Website shall not exceed the amounts you have paid, if any, to Lourdes Lopez for financial services.

This limitation of liability does not apply to any financial services or products purchased through licensed representatives, which are subject to separate terms and regulatory protections.

Governing Law and Jurisdiction

These Terms of Service and any dispute arising out of or related to your use of the Website shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

Any legal action, suit, or proceeding arising out of or related to these Terms shall be brought exclusively in the state or federal courts located within the State of California. By using the Website, you hereby consent to the personal jurisdiction and venue of such courts.

You agree that any cause of action you may have arising out of or related to these Terms or the Website must commence within one year after the cause of action accrues. Otherwise, such cause of action is permanently barred.

Regulatory Compliance

As a licensed representative of Primerica Financial Services, all activities conducted through this Website are subject to applicable financial services regulations, including but not limited to:

All financial services and products offered are subject to regulatory approval and licensing requirements. Services may not be available to all individuals or in all jurisdictions.

Miscellaneous

Entire Agreement

These Terms of Service constitute the entire agreement between you and Lourdes Lopez regarding your use of the Website and supersede all prior agreements and understandings, whether written or oral.

Severability

If any provision of these Terms is found to be unenforceable or invalid, such provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of the Terms shall remain in full force and effect.

Waiver

The failure of Lourdes Lopez to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if it is in writing and signed by an authorized representative of Lourdes Lopez.

Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without the prior written consent of Lourdes Lopez. Any attempt by you to assign or transfer these Terms, without such consent, will be null and void.

Electronic Communications

By using the Website to submit your information to schedule consultations or contact Lourdes Lopez for financial services, you consent to receiving electronic communications from Lourdes Lopez. These communications may include information about appointments, financial education materials, service updates, legal notices, and promotional content related to financial services. You agree that any such electronic communication satisfies any legal requirements for communication to be in writing.

You can learn more about how we handle electronic communications by visiting our Privacy Policy.

Changes to the Terms

Lourdes Lopez reserves the right to modify or update these Terms of Service at any time, without prior notice. Any changes will be effective immediately upon posting the updated Terms on this page. Your continued use of the Website after any modifications constitutes your acceptance of the revised Terms.

Contact Information

If you have any questions, concerns, or inquiries about these Terms of Service or the financial services provided through the Website, please feel free to contact us. You can reach us via email at llopez.pfs@gmail.com.

We are committed to addressing your queries and providing assistance promptly and professionally.