Disclaimers & Terms

Welcome to the Literacy to Legacy Mentors™ Reframing Your Financial Future website (the “Site”). This Site is provided for informational purposes only. Please feel free to browse the Site and its various features, yet please be aware that your use of the Site is subject to the following terms and conditions (“Terms of Use”). If you do not agree with these Terms of Use, please do not use this Site. Your use of this Site constitutes your agreement to be bound by, and to act in accordance with, these Terms of Use. 

Website Terms and Conditions

The LiteracytoLegacyMentors.net Site provides education and mentoring services regarding personal finances. Literacy to Legacy Mentors may, in its sole discretion and at any time, update, change or discontinue this Site or any specific portion of its Site (including these Terms of Use) without notice. Literacy to Legacy Mentors services and the information provided on this Site are intended for informational and educational purposes only. 

None of Literacy to Legacy Mentors’ services and nothing in the Site is intended to constitute legal, tax, securities, investment advice, or an opinion regarding the appropriateness of any investment or service for any individual or investor and should not be relied upon in making an investment decision. 

Literacy to Legacy Mentors does not provide investment advice regarding the suitability of any investment or investment strategy for any person. You should consult your tax or legal adviser about the issues discussed herein.

Investing entails risks, including possible loss of principal. Different financial strategies have different risk considerations, and no assurances or guarantees can be given regarding the performance of any investment; it is possible that a given investment will lose value. 

This Website (“The Site”) does not contain investment advice that is individualized for the needs, goals, or objectives of any person; nor does it constitute an offer or solicitation for the purchase or sale of any security.


Literacy to Legacy Mentors, LLC, its affiliates, and third-party providers are not responsible for any errors or omissions in the information contained in or accessed through this Site. All such information in this Site is provided on a “when made,” “as is,” and “as available” basis. Although Literacy to Legacy Mentors, LLC is not currently aware of material errors in the information used to prepare, or in the content presented in, the Site, it does not guarantee such information or content is accurate or complete and disclaims any responsibility to update or correct any such information or content, or to advise any person of any material errors discovered in, changes in, updates to, or revisions of any such information or content.

This Site contains links to various third-party and non-Literacy to Legacy Mentors websites, and are provided for convenience only and are accessed at the user’s own risk. Should the user leave this Site via a link contained on this Site, the user does so at its own risk.

Disclaimer of Warranties

Literacy to Legacy Mentors does not make any express or implied warranties about the Literacy to Legacy Mentor third-party sites, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The Literacy to Legacy Mentors sites are made available “as is” and “as available” and Literacy to Legacy Mentors does not warrant that any defects or inaccuracies will be corrected. 

Literacy to Legacy Mentors does not warrant that the Literacy to Legacy Mentors sites will meet your needs, or that they will be interrupted, timely, secure, or error-free. Literacy to Legacy Mentors also makes no warranty that the results obtained from the use of the Literacy to Legacy Mentors sites will be accurate or reliable, or that the quality of any products, services, information, or other educational materials purchased or obtained by you through Literacy to Legacy Mentors sites will meet your expectations. This provision may not apply to participants in certain employer-sponsored workplace savings plans. 

Limitation of Liability 

Literacy to Legacy Mentors, its affiliates, or third-party providers, shall not be liable to any user or any third-party for lost profits or lost opportunity, or any direct, indirect, special, consequential, incidental, or punitive damages whatsoever, even if Literacy to Legacy Mentors, its affiliates or third-party providers have been advised of the possibility of such damages. 

The Limitation of Liability includes, but is not limited to, damage or injury caused by error, omission, interruption, defect, failure of performance, delay in operation or transmission, line failure or computer virus, worm, Trojan horse or other harmful component.

Some jurisdictions do not allow for the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you, or there may be applicable laws which supersede the above. Any clause of this disclaimer declared invalid by the appropriate authority in each jurisdiction shall be deemed severable and shall not affect the validity or enforceability of the remainder of this disclaimer.

This Disclaimer is governed by the laws of the State of Connecticut, without giving effect to principles of conflict of laws. Literacy to Legacy Mentors reserves the right to amend any of the notices, disclosures, or disclaimers contained in this Disclaimer or in this Site at its discretion at any time without notice.

This Disclaimer and any dispute, disagreement, or issue of construction or interpretation arising hereunder whether relating to its validity, or the rights or obligations of Literacy to Legacy Mentors or any user or any third party shall be governed or interpreted according to the laws of the State of Connecticut.  Any action, suit or proceeding, whether in law or equity, arising out of, under or in connection with this Disclaimer or any user’s or any third party’s rights or obligations shall be brought and determined through binding arbitration in the State of Connecticut and in no other forum, which may be confirmed by any Court with jurisdiction. Each User and Literacy to Legacy Mentors agrees that they are waiving the right to a jury trial or a trial before a judge in a court. No arbitration may be initiated as a representative or member of a class, or on behalf of the general public, or as a private attorney general. Arbitration will be conducted by the American Arbitration Association (the “AAA”) according to its Commercial Arbitration Rules and the Supplementary Procedure for Consumer-Related Disputes.

Intellectual Property Rights 

All rights, titles, and claims (including copyright, brands, patents and other intellectual property or other rights) in, for and from all information and content (including all text, data, graphics, and logos) on the Site are fully subject to the respective current regulations and to the (property) rights of the respective owners or authorized users. Use of the Site does not confer any rights to the content. All content created by Literacy to Legacy Mentors is Copyright 2021 Literacy to Legacy Mentors, LLC. No content of the Site may be duplicated or used, either wholly or in part, in any other electronic or print publication or in any other form without the written permission of Literacy to Legacy Mentors. 

You may link to the Site, provided that (a) the appearance, position and other aspects of the link do not damage or dilute the goodwill associated with Literacy to Legacy Mentors’ name and trademarks, (b) the link and/or website that is being linked does not violate Literacy to Legacy Mentors’ or any third party’s intellectual property rights, (c) no aspect of the link, including the appearance and position of the link, create the appearance that an entity is associated with or sponsored by Literacy to Legacy Mentors when association or sponsorship does not exist, and (d) the link, when activated by a user, displays the Site web page in its entirety and not within a “frame” on the linked website. Literacy to Legacy Mentors reserves the right to revoke its consent to the link at any time in its sole discretion without prior notice.

Online Privacy Policies

Literacy to Legacy Mentors has adopted the following Privacy Policies. We may collect Personally Identifiable Information (PII) and Non-Personally Identifiable Information (NPII) from you. 

We may collect PII from you when we provide services or to receive payment from you. We may use PII to communicate with you according to your request or consent for such communications. We may collect NPII automatically when you visit our Site(s) or log into one of our platform(s). This includes IP address and other online identifiers. We also record the pages that you visit, products you interacted with and other information about your activity on the site(s). All collected PII and NPII is stored securely according to the standard practices for storing PIII and NPII at the time it is collected.

We may ask for your consent to install cookies. There are two types of cookies: session cookies and persistent cookies. Session cookies expire when you close your browser, and persistent cookies stay on your computer until you delete them. Literacy to Legacy Mentors may use both session and persistent cookies to customize your web experience, including delivery of display advertisements, analyze web traffic, and to improve our range of products and services. You can choose to delete cookies at any time however, you may lose any information that enables you to access our Site(s) more quickly and efficiently including, but not limited to, personalization settings.

We may use collected PII and NPII data to:

  • Provide products and services
  • Send requested product or service information
  • Send marketing communications through subscribed channels about news, products, offers and events
  • Send you emails, chats, or push notifications to otherwise respond to questions, concerns and customer support inquiries
  • Enable us to process orders for products and services
  • Send email confirmations, receipts and other transactional emails related to orders
  • Provide you with continuing access to your customer account
  • Contact you (where necessary) in relation to orders
  • Maintain our own accounts and records
  • Create demographic automatic decision-making profiles for our subscribers, members, and visitors to target our email alerts, website marketing, push notifications, banners, special offers
  • Personalize your experience using automated decision-making for products, services, personalized content, recommendations, and features
  • Improve the services we offer you, or the functionality of our site(s) and ensure technical functionality
    Process your payment or prevent or detect fraud

You have the right to ask us not to use your personal information for direct marketing purposes. You also have the right to request a copy of the personal information that we hold about you and to have any inaccuracies rectified. Please note that, as permitted by law, we may charge a nominal fee for information requests and may require you to prove your identity. Following a request, we will use reasonable efforts to supply, correct or delete personal information about you in our files.