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Terms of Service

 

Effective Date: May 1, 2025

 

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Proto LifeMap, LLC ("Proto LifeMap," "we," "us," or "our") governing your use of our services, including our website located at [www.proto-usa.com] (the "Site"), our affiliated social media channels, and any workshops, events, programs, or services made available by us or our affiliates (collectively, the "Service").

 

The Service is designed to provide you with general educational information and a broad overview of financial and investment topics. It is not intended to serve as personalized financial advice, investment guidance, legal counsel, or tax strategy. You should consult a qualified financial planner, investment advisor, accountant, or attorney before making any financial or investment decisions. Your use of the Service does not create any client relationship with Proto LifeMap or any of its representatives.

By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy (incorporated herein by reference). If you do not agree to these Terms, you must not use the Service.

 

1. Eligibility

The Service is not intended for individuals under the age of eighteen (18) without the supervision of a parent or legal guardian. By using the Service, you represent and warrant that you are either at least eighteen (18) years of age or have reviewed these Terms with a parent or legal guardian who agrees to be bound by them on your behalf.

 

2. Limited License and Acceptable Use

Proto LifeMap grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial, educational use only, subject to these Terms. This license does not permit you to:

  • Use the Service for any commercial purpose;

  • Copy, reproduce, or distribute content from the Service without express written consent;

  • Use bots, crawlers, scrapers, or other automated means to access the Service;

  • Reverse engineer, decompile, or disassemble any part of the Service;

  • Remove or alter any copyright, trademark, or other proprietary notices;

  • Misrepresent the source or ownership of the Service;

  • Engage in any illegal, infringing, or tortious conduct through or in connection with the Service.

 

3. Intellectual Property Rights

All content and materials made available through the Service, including but not limited to text, graphics, logos, and software, are the exclusive property of Proto LifeMap or its licensors and are protected by intellectual property laws. You agree not to use or exploit any content from the Service without prior written permission.

 

4. Educational Purpose Disclaimer

The information provided through the Service is intended for informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice, nor should it be treated as a substitute for professional consultation. We do not and cannot guarantee that any educational strategies discussed will be successful or suitable for your individual situation.

 

5. Purchases and Product Information

The Service may allow you to purchase products or services ("Proto LifeMap Products"). You may be required to provide personal and payment information to third-party payment processors. Proto LifeMap does not store or retain your payment data.

We reserve the right to:

  • Limit or cancel orders at our discretion;

  • Modify pricing or product descriptions without notice;

  • Refuse sales to resellers or distributors.

All sales are final. Due to the custom nature of many Proto LifeMap Products, we do not accept refunds or exchanges unless an item is delivered incorrectly or damaged. Claims must be submitted within thirty (30) days of delivery.

 

6. Third-Party Services and Affiliates

The Service may contain links to or integrate with services offered by third parties ("Third-Party Providers"). Proto LifeMap does not control and is not responsible for the products, services, or privacy practices of any Third-Party Provider. Your engagement with any third-party service is at your own risk.

Proto LifeMap may act as an affiliate for certain Third-Party Providers and may receive compensation if you sign up or purchase through our affiliate links. We conduct due diligence before promoting third-party offerings but do not guarantee their performance.

 

7. Internet Access and Connectivity

You are solely responsible for maintaining an internet connection sufficient to access and use the Service.

 

8. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROTO LIFEMAP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

PROTO LIFEMAP MAKES NO GUARANTEES REGARDING THE OUTCOMES OF ANY FINANCIAL STRATEGIES DISCUSSED THROUGH THE SERVICE. YOUR RELIANCE ON ANY INFORMATION PROVIDED THROUGH THE SERVICE IS AT YOUR SOLE RISK.

IN NO EVENT SHALL PROTO LIFEMAP BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS OR DATA. OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF ONE THOUSAND DOLLARS ($1,000) OR THE AMOUNT YOU PAID FOR THE SERVICE.

 

9. Indemnification

You agree to indemnify and hold harmless Proto LifeMap and its affiliates, officers, directors, employees, and agents from any claims, damages, or expenses arising out of your use of the Service or your violation of these Terms.

 

10. Modification and Termination

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without notice. We may terminate or suspend your access to the Service for any violation of these Terms.

 

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to conflict of law principles. Any legal action must be brought in King County, Washington, or the U.S. District Court for the Western District of Washington.

 

You agree to waive any right to a jury trial or to participate in a class action. Claims must be brought within two (2) years of the event giving rise to the dispute. The prevailing party in any legal action may recover reasonable attorney’s fees and costs.

 

12. Miscellaneous

  • These Terms, together with our Privacy Policy, constitute the entire agreement between you and Proto LifeMap.

  • If any provision is held invalid, the remaining provisions shall remain in full force.

  • Section headings are for reference only and shall not affect interpretation.

  • You may not assign these Terms without our prior written consent.

 

13. Contact Us

If you have any questions about these Terms, please contact us via the “Contact” section of our website at www.proto-usa.com.

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