Terms and Conditions

1. Eligibility

By accessing or using the Services, you represent and warrant that:

You are legally permitted to use the Services in your jurisdiction.

You are at least the age of majority in your state or jurisdiction.

You have the authority to use the device through which you access the Services.

Any information you provide is accurate and complete.

You will use the Services in compliance with all applicable federal, state, and local laws.

2. Nature of Services

Real Dignity LTC provides educational resources, consultations, and services related to long-term care planning, including information about:

Long-term care needs and care options

Traditional long-term care insurance

Life insurance or annuity products with long-term care benefits

Asset protection and care-funding strategies

Home care, assisted living, memory care, and nursing care considerations

General retirement and family care planning

When insurance-related services are provided, we may act as an independent insurance broker or agent offering products issued by third-party insurance carriers.

Product availability, eligibility, benefits, premiums, underwriting requirements, and services may vary based on the applicant, insurance carrier, state of residence, and applicable law.

3. Educational Information Only

The information available through this website is provided for general educational and informational purposes only.

Nothing on this website should be interpreted as individualized:

Financial advice

Investment advice

Legal advice

Tax advice

Medical advice

Insurance coverage advice

Long-term care needs and insurance solutions vary by individual. You should consult appropriately licensed financial, legal, tax, medical, or insurance professionals before making decisions based on information provided through the Services.

Your use of website information is at your own discretion and risk.

4. No Guarantee of Coverage or Results

Real Dignity LTC does not guarantee that:

You will qualify for any insurance product.

A particular product will be available in your state.

An insurance application will be approved.

A policy will cover every type of care or expense.

A specific premium, benefit amount, or policy feature will be available.

Any planning strategy will produce a particular financial result.

Insurance approval is subject to underwriting, carrier requirements, policy terms, exclusions, limitations, and applicable law.

5. No Offer or Solicitation

Nothing on this website constitutes a binding offer to sell, issue, or provide an insurance policy or financial product.

Insurance products may only be offered by appropriately licensed professionals in jurisdictions where they are authorized to conduct business.

All insurance products are subject to the terms, conditions, exclusions, underwriting requirements, and approval of the issuing insurance carrier.

6. Medicare and Government Program Information

Information regarding Medicare, Medicaid, or other government programs is provided for general educational purposes only.

Medicare generally does not cover most ongoing custodial long-term care, although limited skilled care may be covered when applicable eligibility requirements are satisfied. Visitors should review current government guidance and consult qualified professionals regarding their individual circumstances.

Real Dignity LTC is not affiliated with, endorsed by, or sponsored by Medicare, Medicaid, the Social Security Administration, or any other federal or state government agency unless expressly stated otherwise.

7. Account Responsibility

If the Services allow you to create an account, portal, or login:

You are responsible for protecting your login credentials.

You are responsible for activity conducted through your account.

You agree to provide accurate and current information.

You must promptly notify us of suspected unauthorized access.

You may not allow another person to access your account without authorization.

We may suspend, restrict, or terminate an account if we reasonably believe it is being misused or used in violation of these Terms.

8. SMS, Telephone, and Email Communications

By providing your telephone number, email address, or other contact information through the Services, you authorize Real Dignity LTC and its authorized service providers to contact you regarding your inquiry, appointments, requested information, and related services.

Communications may include telephone calls, emails, and SMS or text messages.

Message frequency may vary.

Message and data rates may apply.

Consent to receive marketing communications is not a condition of purchasing any product or service.

You may reply STOP to text messages to request that they end.

You may reply HELP for assistance.

You may also contact us directly to update your communication preferences.

Consumers may revoke consent to receive automated calls or text messages through reasonable means.

We will handle contact information as described in our Privacy Policy.

9. Appointment and Consultation Information

Scheduling a consultation does not create:

An advisor-client relationship

An insurance contract

A fiduciary relationship

A legal or tax advisory relationship

A guarantee that services or insurance coverage will be offered

Any professional relationship will only begin after all necessary agreements, disclosures, applications, authorizations, or other required documents have been completed.

You are responsible for providing accurate information during consultations and throughout any application process.

10. Acceptable Use

You agree not to:

Use the Services for an unlawful, fraudulent, or abusive purpose.

Submit false, incomplete, or misleading information.

Attempt to access accounts, systems, networks, or data without authorization.

Interfere with the operation or security of the website.

Upload or distribute malicious code, viruses, or harmful material.

Send spam or unauthorized advertising through the Services.

Impersonate another person or organization.

Copy, scrape, harvest, or collect website information through unauthorized automated methods.

Use website content to misrepresent your affiliation with Real Dignity LTC.

Violate the intellectual property, privacy, or other rights of any person.

We may restrict or terminate access when we believe these Terms have been violated.

11. User Submissions

Information or content you submit through forms, messages, surveys, applications, feedback tools, or other website features:

Must be accurate to the best of your knowledge.

Must not violate applicable laws or third-party rights.

Must not contain malicious, defamatory, abusive, or unlawful material.

May be used to respond to your request and provide the Services.

May be processed by authorized technology, scheduling, communication, insurance, and service providers.

You remain responsible for information you submit.

Do not submit sensitive medical, financial, or identifying information through a general contact form unless the form specifically requests it and is intended for secure collection.

12. Intellectual Property

Unless otherwise stated, all website content—including text, graphics, designs, logos, videos, downloads, layouts, educational materials, and other content—is owned by or licensed to Real Dignity LTC and is protected by applicable intellectual property laws.

You may access website content for personal, noncommercial, informational use.

You may not, without prior written permission:

Copy or reproduce substantial portions of the website.

Modify or create derivative works from website materials.

Sell, license, distribute, or commercially exploit website content.

Remove copyright, trademark, or proprietary notices.

Use our name, logo, or branding in a misleading manner.

13. Third-Party Websites and Services

The website may include links, integrations, embedded tools, scheduling platforms, insurance-carrier resources, or other services provided by third parties.

Real Dignity LTC does not control and is not responsible for third-party:

Websites

Products

Content

Security

Availability

Privacy practices

Terms and conditions

Your use of third-party services is governed by the terms and policies of those providers.

14. Insurance Carrier Disclaimer

Insurance products are issued and administered by third-party insurance carriers.

Real Dignity LTC is not the insurance carrier and does not control:

Underwriting decisions

Application approval

Premium adjustments

Policy administration

Benefit eligibility

Claims determinations

Carrier financial performance

Contractual obligations of the carrier

All policy benefits are subject to the actual insurance contract. In the event of a conflict between website content and a policy contract, the policy contract controls.

15. Accuracy of Information

We make reasonable efforts to provide useful and current information, but we do not guarantee that all website content will always be complete, accurate, current, or applicable to every situation.

Insurance products, laws, tax rules, government programs, care costs, and eligibility requirements may change.

We may revise, remove, or update website content without prior notice.

16. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Services are provided on an “as is” and “as available” basis.

We disclaim warranties, representations, or guarantees regarding:

Accuracy or completeness

Availability or uninterrupted access

Website security

Fitness for a particular purpose

Merchantability

Non-infringement

Results obtained from using the Services

We do not guarantee that the website will be free from errors, interruptions, harmful components, or security vulnerabilities.

Some jurisdictions may not allow certain warranty exclusions, so portions of this section may not apply to you.

17. Limitation of Liability

To the fullest extent permitted by law, Real Dignity LTC, its legal owners, affiliates, officers, employees, agents, contractors, and service providers will not be liable for damages arising from or related to:

Your access to or use of the Services

Your inability to access the Services

Reliance on website information

Decisions made based on website content

Loss of data, revenue, profits, or business opportunities

Unauthorized access to information

Third-party products, websites, or services

Website interruptions or system failures

Where liability cannot legally be excluded, it will be limited to the maximum extent permitted by applicable law.

18. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Real Dignity LTC and its owners, affiliates, officers, employees, agents, and service providers from claims, damages, liabilities, losses, or expenses resulting from:

Your misuse of the Services

Your violation of these Terms

Information or content you submit

Your violation of another person’s rights

Your violation of applicable law

19. Suspension or Termination

We may restrict, suspend, or terminate your access to some or all of the Services if:

You violate these Terms.

Your use presents a security or legal risk.

You misuse the website or communication systems.

We discontinue a portion of the Services.

Suspension or termination is otherwise reasonably necessary.

Sections intended to survive termination—including intellectual property, disclaimers, limitations of liability, and governing law—will continue to apply.

20. Privacy

Our collection and use of personal information are governed by the Real Dignity LTC Privacy Policy.

By using the Services, you acknowledge that you have reviewed or had the opportunity to review the Privacy Policy.

21. Governing Law

These Terms will be governed by the laws of the State of Florida, United States, without regard to conflict-of-law principles.

Any legal dispute will be handled in the appropriate state or federal courts located in [insert county], Florida, unless applicable law requires otherwise.

22. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be limited or removed to the minimum extent necessary.

The remaining provisions will continue in full force and effect.

23. No Waiver

Our failure to enforce a provision of these Terms does not waive our right to enforce that provision or any other provision in the future.

24. Entire Agreement

These Terms, together with our Privacy Policy and any additional written agreements governing specific Services, constitute the entire agreement between you and Real Dignity LTC regarding your use of the website.

25. Changes to These Terms

We may revise these Terms periodically to reflect changes in the Services, business practices, technology, or applicable requirements.

Updated Terms will be posted on this page with a revised “Last Updated” date.

Your continued use of the Services after updated Terms become effective constitutes acceptance of the revised Terms.

26. Contact Information

Questions regarding these Terms may be directed to:

Real Dignity LTC

Legal entity: [Insert Legal Entity Name]

Email: [Insert Business Email]

Telephone: [Insert Business Phone Number]

Address: [Insert Business Mailing Address]

Website: [Insert Real Dignity LTC Website]