Terms

Please see our Privacy Policy.

EFFECTIVE: March 5, 2026

These Terms of Use (“Terms”) govern your access to and use of ourlifeplans.com (the “Website”), and the Services (as defined herein) provided by LifePlans, Inc., on behalf of itself, its affiliates and subsidiaries (“LifePlans,” “we,” “our,” or “us”). By accessing, visiting or using the Service, you agree you are entering into a legally binding agreement with Lifeplans based on the Terms, Privacy Policy, and any applicable Order Form, which are incorporated by reference (collectively, the “Agreement”). Your access and use of the Services are conditioned on your acceptance of and compliance with the Agreement; if you do not agree, do not access or use the Service. LifePlans and Customer may individually be referred to as a “party” and collectively “the parties”.

By accepting this Agreement, either by clicking a box indicating your acceptance, creating an account, completing the registration process, accessing or using the Service, making any payment for the Service, or by otherwise indicating your acceptance of this Agreement: (1) You have read, understand and agree to be bound by these terms; (2) You agree to this Agreement on behalf of yourself and the organization, business, or other legal entity for which you act (“Customer,” “you,” or “your”); (3) You are of legal age to enter this Agreement and have legal authority to bind Customer to this Agreement; (4) You have provided accurate and complete information in connection with your registration; (5) You are entering this Agreement from within the United States for use or receipt of the Service from within the United States; (6) You have read, understand and consent to the Cancellation Policy; and (7) You have read, understand and consent to the terms governing receipt of SMS/Text Messaging and Emails.

Definitions

“Account Information” means information about your LifePlans account, including information that you and your Users provide to LifePlans in connection with (1) the creation or administration of your LifePlans account; or (2) LifePlans’ maintenance of your account or the Services. For example, Account Information includes names, usernames, passwords, phone numbers, email addresses, billing information, and usage information associated with your Users and LifePlans account.

“Confidential Information” means information that either party (“Discloser”) discloses to the other party (“Recipient”) under this Agreement, and that is conspicuously marked, or orally, and if applicable, visually stated as confidential or would normally be considered confidential information by a reasonable party under the circumstances. “Confidential Information” does not include information that Recipient can document: (1) is independently developed by Recipient; (2) is rightfully given to Recipient by a third party without confidentiality obligations; or (3) becomes public through no fault of Recipient. LifePlans’ Confidential Information includes non-public information regarding features, functionality, performance, and pricing of the Services, the Documentation, API(s), third-party integrations, and other LifePlans products or services.

“Customer Data” means all data stored by or on behalf of Customer or at Customer’s direction in the Services. Customer Data does not include Account Information.

“Customer Email” means an email address provisioned by Customer.

“Documentation” means LifePlans-provided user documentation relating to the Services (e.g. user guides), as may be provided or updated by LifePlans from time to time. Documentation does not include (a) personalized material provided by a Lifeplanner to You in the course of providing Lifeplanner Services; or (b) content published in user or community forums.

“Fees” means any fees in exchange for Services;

“Force Majeure Event” means any circumstances beyond LifePlans’ reasonable control, including, but not limited to, an act of God, act of government, flood, fire, earthquake, civil unrest, act of terror, strike or other labor problem (other than one involving LifePlans’ employees), Internet service provider failure or delay, Non-LifePlans Service failure, or acts undertaken by third parties, including without limitation, any denial of service attack or third party domain name system event.

“Intellectual Property Rights” means all patent rights (including utility models), copyrights, moral rights, trademark and service mark rights, trade secret rights, and any other similar proprietary or intellectual property rights (registered or unregistered) throughout the world, together with all applications for any of the foregoing.

“LifePlanner Services” means personalized guidance, education, and coordination services to support individuals and families navigating complex life situations. LifePlanner Services do not include clinical or medical care or diagnosis, mental health treatment or legal advice.

“Non-LifePlans Service(s)” means any third-party service, connection (including phone or video conferencing services), data, Template, software, application, or integration that interoperates with the Service that is provided or made available by Customer or a third party, including those provided through LifePlans or a third party. Non-LifePlans Services include embedded content where the Services may display a preview or link to the content, but does not store the content from the third party service.

“Order Form” means any ordering documentation or online sign-up or subscription pages, regardless of form, agreed to between the parties which sets forth the Services accessed by the Customer and any relevant pricing. Multiple Order Forms may be entered into under this Agreement.

“Services” means LifePlans’ LifePlanner Services, online software-as-a-service platform, mobile application, portals and support services governed by this Agreement including any related Application Programming Interfaces (“APIs”) provided by LifePlans, together with all related mobile and desktop applications. “Services” exclude Non-LifePlans Services.

“Template” means any pre-configured version of the Service that is made available for download, purchase, or use. Templates may be made available by LifePlans or may be made available through LifePlans by third parties or on third-party websites. If a Template is created and maintained by LifePlans, it is a LifePlans Template. If a Template is provided by a third party, such Template is a Non-LifePlans Service.

“Usage Data” means information relating to the provision, use and performance of various aspects of the Services and related systems and technologies (including information concerning Customer’s and Users’ use of the various features and functionality of the Services and analytics and statistical data derived therefrom).

“User” means a Customer who is authorized to access the Services. Each User must use a unique identity to access and use the Services, and may access the Services only to the extent accessed by Customer.

General Terms and Conditions

1. Services.

1.1 Services. Customer may purchase LifePlanner Services prospectively at a session rate as indicated in the respective Order Form. Order Forms are governed by this Agreement.

1.2 Provision of the Services. The method and means of providing the Services shall be under the exclusive control, management, and supervision of LifePlans. LifePlans may modify or update the Services from time to time in its sole discretion.

1.3 Support. Subject to payment of all Fees and compliance with this Agreement, We will provide technical support to you via electronic mail. You may initiate a help desk ticket any time by emailing Support@ourlifeplans.com.

1.6 Subcontractors. We may use subcontractors or other third parties to perform our obligations and exercise our rights under this Agreement.

1.7 Non-LifePlans Services. Non-LifePlans Services may be available to you automatically or through a third party. Some may be available at no cost and some may be available for a cost. Your access and use of such Non-LifePlans Services shall be exclusively governed by your agreement, including any applicable privacy agreements, with the provider of the Non-LifePlans Service. Further, by enabling such Non-LifePlans Service, you authorize LifePlans to transfer your Customer Data and Account Information to the third-party provider of the Non-LifePlans Service in accordance with the functionality of such Non-LifePlans Service. LifePlans does not warrant or guarantee the performance of any Non-LifePlans Services, and may discontinue offering Non-LifePlans Services without prior notice. You agree and acknowledge that LifePlans has no responsibility to provide support or maintenance of Non-LifePlans Services and failure of the Non-LifePlans Service provider to support or maintain the Non-LifePlans Service will not entitle you to any refund of fees paid to LifePlans, if any, for the Service or a Non-LifePlans Service. If you purchase a Non-LifePlans Service Template, integration, or application through any LifePlans Service, LifePlans may show up as the merchant of record on your transaction records for the charge. However, the relevant Template, integration, or application remains a Non-LifePlans Service provided by a third party.

1.9 Account Information. We may collect Account Information about your use of the Services and about Users that Users (or Customer): (i) provide to LifePlans in connection with the creation or administration of their account; or (ii) generate in connection with their use of the Services. We will process Account Information that includes Personal Data in accordance with our Privacy Policy.

2. Use of the Services.

2.1 Use Restrictions. Except as expressly permitted in this Agreement, Customer will not, and will not permit or authorize third parties to: (1) license, sub-license, sell, transfer, distribute, share, rent, lease, or otherwise permit third parties to use the Services or Documentation; (2) use the Services or Documentation to provide business process outsourcing services to third parties (e.g. as a service bureau); (3) use the Services or any API in order to circumvent Fees or in a way that would violate the applicable Documentation or this Agreement; (4) circumvent or disable any security or other technological features of the Services (e.g. usage limits); (5) reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure, ideas, know-how, or algorithms related to the Services (except to the extent this restriction is prohibited by applicable law); (6) copy, modify, translate, or create derivative works based on the Services or Documentation; (7) remove any proprietary notices or labels from the Services; (8) use the Services in a manner that violates or attempts to circumvent applicable law; (9) access the Services for the purpose of building a competitive product or service or copying its features or user interface; (10) use the Services for evaluation, benchmarking, or other comparative analysis intended for publication without LifePlans’ prior written consent; (11) use the Service to store or transmit Personal Health Information (as defined under the Health Insurance Portability and Accountability Act of 1996); (12) use the Service to store or transmit cardholder data (as defined under the Payment Card Industry’s Data Security Standards); (13) access or use the Services in any manner designed to circumvent the unique identity requirement for Users; (14) access or use the Services in any manner that temporarily and superficially reduces the number of Users in order to circumvent Service limitations; (15) access or use the Service from any country other than the United States; or (16) use the Services, including to store or transmit Customer Data, in a manner that violates any LifePlans Use & Content Policy, as amended from time to time.]. You agree that you are responsible for ensuring that your use complies with all applicable laws and any policies you maintain, including those involving employee privacy, if applicable. If we reasonably suspect that you or your Customer Data are in violation of the foregoing, we may investigate that violation and suspend or terminate your access to the Services at any time.

2.2 Users Accounts; Customer Responsibilities. Customer is responsible for all actions and inactions of Users when accessing or using Services. Customer is responsible for providing true and accurate information when registering a LifePlans account and keeping such information, including billing information, up to date. Customer may register and maintain only one LifePlans customer account per Customer entity (unless LifePlans approves otherwise in writing). Customer is responsible for maintaining control over Customer’s account, including the confidentiality of any login credentials, and is responsible for all activities that occur on or through Customer’s User account.

Customer will not share User account credentials or otherwise allow multiple individuals to access or use the Services under the same User credentials, or use them in multiple locations at the same time. Customer acknowledges that it is solely responsible for maintaining its configurations of the Services, including its sharing and permission settings. Each User must use a unique identity to access and use the Services, and may access the Services only to the extent purchased by Customer and in accordance with the applicable Documentation; for clarity, and without limitation, only Customer shall access the Services. LifePlans may monitor usage for compliance with these requirements and may suspend or terminate access (in whole or in part) for suspected credential sharing, unauthorized access, or other violations of this Section.

2.3 Usage in excess of limits. If your use of the Services exceeds the limitations applicable to your Order Form or any applicable subscription plan, LifePlans will use commercially reasonable efforts to notify you of such excess usage. If your excess usage persists following notification from LifePlans, LifePlans may take actions to bring your use of the Service into compliance, including (i) suspending or terminating Users access to the Services; or (ii) requiring that you execute an Order Form or otherwise purchase additional usage to account for such excess usage.

3. Intellectual Property; License Grant.

3.1 Customer Data. Customer and its licensors own the Customer Data, including all Intellectual Property Rights therein. Customer hereby grants LifePlans a worldwide, non-exclusive, irrevocable, royalty-free, fully-paid, sublicensable (to LifePlans’ third-party service providers) license to host, transfer, use, display, reproduce, and create derivative works of, Customer Data in order to provide, maintain and improve the Services to Customer, and to fulfill the Agreement.

3.2 Ownership by LifePlans. LifePlans and its licensors retain all right, title, interest and ownership of the Services, Documentation, API, Usage Data, LifePlans’ websites, and all deliverables created by LifePlans and delivered to Customer, including all Intellectual Property Rights therein (the “LifePlans IP”). No ownership rights in the LifePlans IP are transferred to Customer by this Agreement. Customer does not have any rights in or to the LifePlans IP except for the limited express rights granted in this Agreement.

3.3 Feedback. If Customer provides LifePlans feedback, comments, or suggestions concerning the Services whether directly to LifePlans or in a LifePlans community forum regarding Services (collectively, “Feedback”), Customer hereby assigns to LifePlans all right, title, and interest in and to the Feedback, and LifePlans is free to use the Feedback without payment, attribution, or restriction. Feedback that you provide is posted and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the community forum with whom you may choose to share your Feedback. Therefore, we cannot and do not guarantee that your Feedback will not be viewed by unauthorized persons.

3.4 Usage Data. LifePlans may (i) collect, analyze and otherwise process Usage Data internally for its business purposes, including but not limited to purposes of security and analytics, to improve and enhance the Services, to measure product usage, and for other development, diagnostic and corrective purposes in connection with the Services or other LifePlans products or services, and (ii) disclose Usage Data to third parties only in an aggregated and/or de-identified form and in a manner that does not identify Customer or any of its Users.

4. Fees; Taxes.

4.1 Fees. Fees are due and payable upon prior to the commencement of the applicable Services or as indicated at the time of purchase. Fees are non-refundable except as required by law or expressly stated otherwise. Fees are exclusive of taxes, and you are responsible for applicable taxes, duties, or levies imposed by governmental authorities. Appointments canceled with less than 24 hours’ notice (“Late Cancel”), or missed without notice (“No Show”) may result in a $120 charge for the reserved appointment. If the Late Cancel or No Show was for a complementary introductory session, you will not be eligible to receive an additional complementary session.

5. Warranties.

5.1 Customer Warranties. (1) Customer represents and warrants to LifePlans that: (a) Customer has the necessary and appropriate rights and consents to validly authorize and permit LifePlans to use and otherwise process the Customer Data in accordance with this Agreement, and such use by LifePlans of Customer Data does not and will not infringe or violate any third-party right, including any Intellectual Property Right or privacy right; and (b) Customer will use the Services in compliance with the Documentation and applicable law. (2) Customer further represents and warrants that it will not use the Services to: (a) violate applicable laws or regulations; (b) infringe intellectual property rights or privacy rights; (c) transmit malware, malicious code or harmful content; or d) interfere with the integrity or performance of the Services. If we reasonably suspect that you or your Customer Data are in violation of the foregoing, we may investigate that violation and suspend or terminate your access to the Services at any time.

5.2 Disclaimer. EXCEPT AS PROVIDED IN THIS SECTION 5, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR WARRANTIES ARISING FROM COURSE OF DEALING, USAGE OR TRADE PRACTICE. LIFEPLANS DOES NOT WARRANT THAT THE SERVICES OR DOCUMENTATION WILL SATISFY CUSTOMER’S REQUIREMENTS, ARE WITHOUT DEFECT OR ERROR, OR THAT THE OPERATION OF THE SERVICES WILL BE UNINTERRUPTED OR SECURE.

6. Confidentiality.

From time to time during the Term, LifePlans may disclose or make available to you information about its business affairs, operations, confidential intellectual property, trade secrets, third-party confidential information, and other sensitive or proprietary information, whether orally or in written, electronic, or other form or media, and whether or not marked, designated, or otherwise identified as “confidential” (collectively, “Confidential Information”). Confidential Information does not include information that, at the time of disclosure, is: (a) in the public domain; (b) known to you at the time of disclosure; (c) rightfully obtained by you on a non-confidential basis from a third party; or (d) independently developed by you. You shall not disclose LifePlans Confidential Information to any person or entity, except to your representatives who have a need to know the Confidential Information for you to exercise your rights or perform your obligations hereunder. Notwithstanding the foregoing, you may disclose Confidential Information to the limited extent required (i) in order to comply with the order of a court or as otherwise necessary to comply with applicable law, provided that you shall first have given written notice to LifePlans and make a reasonable effort to obtain a protective order; or (ii) to establish LifePlans rights under these Terms, including to make required court filings. On the expiration or termination of the Terms, you shall promptly return to LifePlans all copies, whether in written, electronic, or other form or media, of LifePlans’ Confidential Information, or destroy all such copies and certify in writing to LifePlans that such Confidential Information has been destroyed. Your obligations of non-disclosure with regard to Confidential Information are effective as of the Effective Date and will expire five years from the date first disclosed to you; provided, however, with respect to any Confidential Information that constitutes a trade secret (as determined under applicable law), such obligations of non-disclosure will survive the termination or expiration of these Terms for as long as such Confidential Information remains subject to trade secret protection under applicable law

7. Non-Infringement.

7.1 If the Services are held to infringe (or if LifePlans reasonably believes the Services will be held to infringe) any third-party Intellectual Property Rights, LifePlans may, at its option and expense: (1) contest the claim, (2) modify the Services to make it non-infringing; (3) obtain a license that permits Customer to continue using the Services; or (4) replace the Services with non-infringing substitutes. If none of the foregoing are commercially reasonable, in LifePlans’ discretion, LifePlans may terminate this Agreement and issue to Customer a pro rata refund of Fees for Services not provided. This Section 7.1 states LifePlans’ sole and exclusive liability, and Customer’s sole and exclusive remedy, for the actual or alleged infringement of any third-party Intellectual Property Rights arising from Customer’s use of the Services.

7.2 Exceptions. LifePlans will have no liability to Customer under Section 7.1 to the extent a Claim arises out of (1) any breach of Customer’s obligations under this Agreement; (2) Customer’s continued use of the allegedly infringing portion of the Services after: (a) being notified thereof; or (b) being provided, at no additional charge, modifications that would have avoided the alleged infringement without materially reducing the overall functionality of the Service; (3) Customer’s use of the Services in combination with other products, services, data, or processes not provided by LifePlans, where the alleged infringement would not have occurred in the absence of such use; (4) designs, requirements, or specifications required by or provided by Customer; (5) Customer’s use of the Services in breach of this Agreement, in violation of applicable law; (6) Customer’s failure to use the Services in accordance with the Documentation; (7) any modification of the Services not made by LifePlans, where the alleged infringement would not have occurred in the absence of such modification; or (8) Customer’s use of the Services where there have been no charges or fees, including where Customer is using Beta Services.

8. Indemnification.

Customer will defend and indemnify LifePlans from and against any losses, liabilities, damages, demands, suits, causes of action, judgments, costs or expenses (including court costs and reasonable attorneys' fees) arising out of or relating to (1) Customer’s use of the Service in a manner that infringes the Intellectual Property Rights of any third party; (2) violation of law or privacy rights attributable to Customer Data; (3) any other claim relating to any Customer Data; (4) Customer’s breach of this Agreement; or (5) any violation of the Use & Content Policy.

9. Limitation of Liability.

9.1 Exclusion of Damages. NEITHER LIFEPLANS NOR ITS SUPPLIERS, OFFICERS, AFFILIATES, REPRESENTATIVES, CONTRACTORS, OR EMPLOYEES WILL BE LIABLE TO CUSTOMER FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO THIS AGREEMENT, INCLUDING LOST PROFITS, LOSS OF BUSINESS, OR LOSS OF DATA, EVEN IF LIFEPLANS IS APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING.

9.2 Damages Cap. LIFEPLANS’ TOTAL LIABILITY OF ALL KINDS ARISING OUT OF OR RELATED TO THIS AGREEMENT (INCLUDING WARRANTY CLAIMS), REGARDLESS OF THE FORUM AND REGARDLESS OF WHETHER ANY ACTION OR CLAIM IS BASED ON CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED THE FEES PAID BY CUSTOMER TO LIFEPLANS DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENTS GIVING RISE TO THE CLAIM. MULTIPLE CLAIMS WILL NOT ENLARGE THIS LIMIT.

10. Term and Termination.

10.1 Term of Agreement. This Agreement shall begin on the Effective Date and shall continue for so long as Customer maintains an active Order Form or account with LifePlans, or the Agreement is otherwise terminated in accordance with the terms herein.

10.2 Effect of Termination. Termination of this Agreement will automatically terminate all active Order Forms, but termination of a single Order Form will not result in termination of this Agreement or any other Order Forms. Upon the termination of this Agreement, or an Order Form, all rights and licenses granted by LifePlans to Customer under this Agreement or the applicable Order Form will terminate. Either party’s termination of this Agreement is without prejudice to any other remedies it may have at law or in equity and does not relieve either party of liability occurring prior to the effective date of termination.

10.3 Termination. This Agreement and any Order Form may be terminated by either party upon notice if the other party (i) breaches any material term of this Agreement and fails to remedy the breach within thirty (30) days after being given notice thereof, or (ii) ceases to function as a going concern or to conduct operations in the normal course of business, or (iii) has a petition filed by or against it under any bankruptcy or insolvency laws which petition has not been dismissed or set aside within sixty (60) days of filing. Termination is not an exclusive remedy for breach of this Agreement by either party. Unless otherwise specified in this Agreement, all other remedies will be available to the non-breaching party whether or not the non-breaching party terminates this Agreement for breach by the other party.

10.4 Post-Termination Obligations; Customer Data Retrieval. Termination of this Agreement will terminate your access to the Services but will not relieve you of payment obligations you have already accrued. Regardless of the reason for termination, We may move Customer Data to remote storage that requires an additional fee or court order to restore access after sixty (60) days; after one hundred eighty days (180), Customer Data will be permanently destroyed. For clarity, termination of this Agreement terminates your access to your Customer Data.

11. Beta Services; Free Trials.

11.1 Access. This Section describes the additional terms and conditions under which you may access and use certain features, technologies, and services made available to you by LifePlans that are not yet generally available, including, but not limited to, any products, services, or features designated or labeled as “alpha,” “beta,” “early access,” “preview,” “pilot,” or similar designation (each, a “Beta Service”).

11.2 Beta Terms. You must comply with all terms related to any Beta Service that LifePlans posts on its website or provides to you through the platform or otherwise. LifePlans may add or modify terms, including lowering or raising any usage limits, related to access to or use of any Beta Service at any time. Service Level Agreements do not apply to Beta Services.

11.3 Beta Feedback. You may provide LifePlans with feedback relating to the Beta Services. LifePlans will own and may use and evaluate all feedback for its own purposes.

11.4 Termination and Suspension of Beta. LifePlans may suspend or terminate your access to or use of any Beta Service at any time. Your access to and use of each Beta Service will automatically terminate upon the release of a generally available version of the applicable Beta Service or upon notice of termination by LifePlans.

11.5 Disclaimer. WITHOUT LIMITING ANY DISCLAIMERS IN THE AGREEMENT, BETA SERVICES ARE NOT READY FOR GENERAL COMMERCIAL RELEASE, AND NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE AGREEMENT, LIFEPLANS PROVIDES BETA SERVICES “AS IS.” LIFEPLANS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE REGARDING BETA SERVICES, INCLUDING ANY WARRANTY THAT THE BETA SERVICES WILL BECOME GENERALLY AVAILABLE. EXCEPT TO THE EXTENT PROHIBITED BY LAW, LIFEPLANS DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

11.6 Free Trials. If you register for a free trial, we will make the Services available to you on a trial basis free of charge until the earlier of (a) the end of the free trial period or complimentary LifePlanner session; (b) the start date of any Order Form; or (c) termination of the trial by us. Free trials are for evaluation purposes only. We may terminate your free trial at any time in our sole discretion.

12. Electronic Media; TCPA and Anti-Spam Communications

Customer acknowledges that LifePlans may offer to provide Services through an electronic medium, including but not limited to phone, email, video conferencing and the like (“Electronic Media”) and that LifePlans cannot guarantee the confidentiality or security of communications initiated or received through Electronic Media. Customer’s participation in communication via Electronic Media constitutes Customer’s acceptance of the risk in doing so.

We may offer you the ability to receive communications from us or Our partners via text message (SMS), email, or other electronic means. By providing your mobile phone number or other contact information and opting in to receive such messages, you consent to receiving text messages and other electronic communications from us regarding your account, Our services, promotional offers, and other updates consistent with your communication preferences.

Message frequency may vary based on your interactions with us. Standard message and data rates may apply from your mobile carrier. We are not responsible for any charges that may be billed to you by your carrier as a result of such messages.

You can opt out of receiving text messages at any time by replying “STOP” to a text you receive from us. After opting out, you may receive a confirmation message to verify your request has been processed. You may unsubscribe from marketing emails by clicking the “Unsubscribe” link included in the email. Transactional or service-related emails may still be sent as permitted by law. You may request to stop receiving non-essential calls by contacting us at support@ourlifeplans.com. Requests will be honored in accordance with applicable law. Transactional or service-related emails may still be sent as permitted by law.

You agree not to use the Company’s communication channels to:

Send unsolicited or unlawful messages

Violate any applicable communication, privacy, or consumer protection laws

Harass, threaten, or abuse others

The Company may suspend or terminate communications or services for violations of this Section.

13. General.

13.1 Waiver. The waiver by either party of a breach or default of any of the provisions of this Agreement by the other party shall not be construed as a waiver of any succeeding breach of the same or other provisions nor shall any delay or omission on the part of either party to exercise or avail itself of any right power or privilege that it has or may have hereunder operate as a waiver of any breach or default by the other party.

13.2 Notices; Updates. All notices must be in writing and in the English language and will be deemed given only when sent by mail (return receipt requested), hand-delivered, or sent by documented overnight delivery service to the party to whom the notice is directed. Notice to Customer shall be provided to the mailing address or email address you provide when registering your LifePlans account and notice to LifePlans shall be sent to PO Box 12536 Pittsburgh, PA 15241 Attn: Legal Department (or to such other address as to which the other party has been notified). Despite any of the foregoing, we may update these Terms from time to time. Material changes will be communicated through the Service or via notice on the website. Continued use constitutes acceptance of the updated Service Terms, Privacy terms or other terms related to the LifePlans website.

13.3 Force Majeure. Neither party will be liable for failure or delay in performance to the extent caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, labor disputes, epidemics, failures of utilities or telecommunications networks, denial-of-service attacks, or failures of third-party hosting providers (“Force Majeure Event”). The affected party will promptly notify the other party and use commercially reasonable efforts to resume performance. If a Force Majeure Event continues for more than thirty (30) days, either party may terminate the affected Services upon written notice. Force Majeure Events do not excuse payment obligations accrued prior to the event.

13.4 Invalidity and Severability. If any provision of this Agreement shall be found by any court or administrative body of competent jurisdiction to be invalid or unenforceable the invalidity or unenforceability of such provision shall not affect the other provisions of this Agreement and all provisions not affected by such invalidity or unenforceability shall remain in full force and effect.

13.5 Assignment. Customer may not assign this Agreement without LifePlans’ prior written consent, and any attempt to do so is void. Notwithstanding the foregoing, LifePlans may assign this Agreement without notice or consent to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets to which this Agreement relates; provided that, in Customer’s case, Customer will be required to complete LifePlans’ assignment process. This Agreement is binding upon and inures to the benefit of the parties’ permitted successors and assigns.

13.6 Headings. Headings to paragraphs or sections in this Agreement are for the purpose of information and identification only and shall not be construed as forming part of this Agreement.

13.7 Governing Law; Venue. This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware without regard to the conflict of law provisions thereof.

13.8 Attorneys’ Fees. If any legal action or other proceeding is brought to enforce the provisions of this Agreement, the prevailing party shall be entitled to recover reasonable attorney fees and other costs incurred in the action or proceeding, in addition to any other relief to which the prevailing party may be entitled.

13.9 Injunctive Relief. If either party breaches Sections 2 (Use of the Services) or 6 (Confidentiality), the other party may suffer irreparable harm, and monetary damages may be inadequate to compensate the non-breaching party. Accordingly, either party may, in addition to any other remedies available, seek injunctive or other equitable relief in response to any such breach.

13.10 Independent Contractors. The parties agree that each is an independent contractor and neither party has the right or authority to assume or create any obligation or responsibility on behalf of the other party.

13.11 Counterparts. This Agreement may be executed in any number of counterparts, each of which shall be considered an original, but all of which together will constitute one and the same instrument.

13.12 Federal Government End Use. If You are a U.S. federal government department or agency or contracting on behalf of such department or agency, each of the Services is a “Commercial Product” as that term is defined at 48 C.F.R. §2.101, consisting of “Commercial Computer Software” and “Commercial Computer Software Documentation,” as those terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202. Consistent with 48 C.F.R. §12.212 or 48 C.F.R. §227.7202-1 through 227.7202-4, as applicable, the Services are licensed to You with only those rights as provided under the terms and conditions of this Agreement.

13.13 Amendments. We may amend this Agreement, including any Supplementary Terms, from time to time, in which case the new Agreement will supersede prior versions. Your continued use of the Services following the effective date of any such amendment may be relied upon by LifePlans as your consent to any such amendment.

13.14 Survival. Sections 3-13, all associated definitions, and all accrued rights to payment shall survive after termination or expiration of this Agreement.

13.15 Entire Agreement. THIS AGREEMENT, INCLUDING ALL ATTACHMENTS, SCHEDULES, EXHIBITS, AND ORDER FORMS CONSTITUTES THE COMPLETE AND EXCLUSIVE UNDERSTANDING OF THE PARTIES, AND SUPERSEDES ALL PRIOR AND CONTEMPORANEOUS SALES PROPOSALS, NEGOTIATIONS AND AGREEMENTS, AND ALL OTHER REPRESENTATIONS OR COMMUNICATIONS, WHETHER ORAL OR WRITTEN, WITH RESPECT TO THE SUBJECT MATTER HEREOF. THIS AGREEMENT SHALL APPLY IN LIEU OF ANY TERMS AND CONDITIONS IN ANY VENDOR REGISTRATION FORM OR REGISTRATION PORTAL, PURCHASE ORDER OR OTHER ORDER DOCUMENT THAT YOU PROVIDE AND ALL SUCH TERMS ARE EXPRESSLY REJECTED AND SHALL NOT BE CONSIDERED AN AMENDMENT TO THIS AGREEMENT.