Important Legal Information
Important Legal Information
Conditions of Use:
By using this site, you indicate your agreement to the following conditions of use without any limitation or qualification. Please read these conditions carefully before using this site. Lifestyle Financial Advisors, LTD. may at any time revise these terms and conditions by updating these materials. You are bound by any such revisions and should therefore regularly visit this page to review the then current terms and conditions to which you are bound.
Important Consumer Information:
This communication is strictly intended for individuals residing in the states of Arizona, California, DC, Delaware, Florida, Kansas, Maryland, North Carolina, New Jersey, New York, Ohio, Oregon, Pennsylvania, Virginia, and West Virginia for Insurance Products; and DC, Delaware, Florida, Maryland, North Carolina, Tenn, Virginia and Pennsylvania for Securities. No offers may be accepted from any resident outside the specific state referenced.
An insurance agent, broker-dealer, registered representative, Investment Advisor, or investment advisor representative may only transact business in a state if appropriately licensed or registered. Follow-up, individualized responses to persons in a state by such a firm or individual will not be made without first complying with appropriate licensing or registration requirements.
For information concerning licensing status or disciplinary history, consumers should contact their state department or securities law administrator.
Jurisdictional Issues
This website is controlled and operated by Lifestyle Financial Advisors, LTD. from its offices within the Commonwealth of Pennsylvania, United States of America. Lifestyle Financial Advisors, LTD. makes no representation that materials on www.efleck.com are appropriate or available for use in any other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.
Lifestyle Financial Advisors, LTD. offers insurance and related products. Lifestyle Financial Advisors, LTD. does not offer securities and does not provide investment advice. Securities are offered through World Capital Brokerage LLC,110 Sixteenth Street, Suite 1400, Denver, Colorado 80202. [303] 626-0631. Member FINRA, SIPC. Investment Advice is provided through World Capital Advisors LLC, 8730 Stony Point Parkway, Suite 205, Richmond, Virginia. [804] 267-7405. A Registered Investment Advisor.
Not an Offer to Sell or a Solicitation to Buy
The information contained on this website is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance, securities or other laws of the jurisdiction. Some insurance and securities products (or their underlying funds) may not be available in all jurisdictions and are generally not available for purchase outside of the United States of America. In addition, any mutual funds or variable insurance products or variable contracts referred to on this website may be offered and sold only to persons in the United States of America. These products are distributed by World Capital Brokerage LLC, 110 Sixteenth Street, Suite 1400, Denver, Colorado 80202. [303]626-0631.
Disclaimer
The materials on this website, www.efleck.com, are provided "AS IS" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Lifestyle Financial Advisors, LTD. does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Lifestyle Financial Advisors, LTD. does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Lifestyle Financial Advisors, LTD.) assume the entire cost of all necessary servicing, repair, or correction. Links to other sites can be accessed though this site. Such external Internet addresses contain information created, published, maintained or otherwise posted by organizations independent and not under control of Lifestyle Financial Advisors, LTD. Lifestyle Financial Advisors, LTD. does not endorse, approve or certify any information, product or service referenced or provided at such addresses. The material on this website is provided for informational purposes only and it is not intended and should not be construed as legal, tax or other professional advice. It is not a substitute for obtaining legal, tax or other professional advice from a competent, independent adviser in your jurisdiction.
Limitation of Liability
While Lifestyle Financial Advisors, LTD. uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. Lifestyle Financial Advisors, LTD. makes no warranties or representations as to the accuracy of the materials on this website. Under no circumstances, including, but not limited to, negligence by act or omission, shall Lifestyle Financial Advisors, LTD. or any party involved in creating, producing, or delivering this website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Lifestyle Financial Advisors , LTD. or a Lifestyle Financial Advisors, LTD. authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Lifestyle Financial Advisors, LTD.'s total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this website. Lifestyle Financial Advisors, LTD. assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.
Restrictions on Use of Materials
This site is owned and operated by Lifestyle Financial Advisors, LTD. Permission is granted to display and navigate around this website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited. Except as otherwise permitted by Lifestyle Financial Advisors, LTD., no materials from www.efleck.com or any other website owned, operated, licensed or controlled by Lifestyle Financial Advisors, LTD. may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the test, images, audio, video, without Lifestyle Financial Advisors, LTD.'s written permission. Lifestyle Financial Advisors, LTD. neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Lifestyle Financial Advisors, LTD.
Trademark/Service Marks and Copyrights
Images displayed on this website are either the property of, or used with permission by, Lifestyle Financial Advisors, LTD. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. All Trademarks, service marks, trade names, logos, and icons used by Lifestyle Financial Advisors, LTD. or any Lifestyle Financial Advisors, LTD. affiliated company are proprietary to Lifestyle Financial Advisors, LTD. Nothing contained on this Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this website without the written permission of Lifestyle Financial Advisors, LTD. or such third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Inquiries concerning use of Lifestyle Financial Advisors, LTD. trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to Lifestyle Financial Advisors, LTD., 409 South Pugh Street, State College, PA 16801, United States of America. Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions, will not be treated as confidential nor as proprietary and will become the property of Lifestyle Financial Advisors, LTD. or its affiliates. Such Communications or material shall be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Lifestyle Financial Advisors, LTD. is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
Trademarks/Service Mark Notices
All Trademarks, service marks, trade names and logos used by Lifestyle Financial Advisors, LTD. or its subsidiaries are registered trademarks or service marks of Lifestyle Financial Advisors, LTD. We are very protective of our trademarks and service marks. All use of these marks must be with our permission. We will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, we may be entitled to collect your profits, our actual damages and, perhaps, even our attorneys' fee. We thank you for your cooperation.
Privacy and Confidentiality
Lifestyle Financial Advisors, LTD. shall exercise reasonable precautions to maintain the confidentiality of all information provided by you in connection with accessing this site. Because such information can be accessed through the Internet, no assurance can be given to you that this information will remain secure. Lifestyle Financial Advisors, LTD. may, at times, disclose such information to its employees, representatives, officers, agents or affiliates, as well as any government entity, in the conduct of its business, in order to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to any government agency or official requesting such information, or for any other legitimate business purpose. This site does not collect personally identifying information about individuals except when specifically and knowingly provided by such individuals.
Financial Calculator Disclosure
The financial calculator is provided for general informational purposes. It is intended as a public service to enable you to figure a rough estimate of your financial needs, and is not meant to serve as investment, tax, or legal advice. Because this financial calculator cannot know your exact individual circumstances, you should consult an insurance, investment, tax, or legal professional if you would like more personal and comprehensive advice.
In addition, your financial picture will likely change over time, therefore, it would be prudent to review your financial strategy periodically to ensure that it continues to fit your then current circumstances. All examples are hypothetical and are intended for illustrative purposes only.
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