The Life Transition Load Inventory (LTLI)

Terms of Service

Last updated August 7, 2026

Terms of Service

Last updated: [current date]

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and The Life Transition Load Inventory (LTLI), operated by Jen Landis-Santos ("we," "us," or "our"), governing your access to and use of our website at https://lifetransitionsload.com (the "Site") and all related services, courses, coaching programs, digital products, memberships, and other offerings (collectively, the "Services").

By accessing or using the Site, creating an account, purchasing any product or service, or otherwise engaging with our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately discontinue use of the Site and Services.

These Terms apply to all visitors, users, customers, and others who access or use the Services.

2. Eligibility

You must be at least 18 years of age and possess the legal capacity to enter into a binding contract under applicable law to use our Services. By using the Services, you represent and warrant that you meet these eligibility requirements.

Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13 in compliance with the Children's Online Privacy Protection Act (COPPA). If we learn that we have collected personal information from a child under 13, we will delete that information promptly. If you believe we have collected information from a child under 13, please contact us immediately at jenlansan@gmail.com.

If you are accessing the Services on behalf of an organization or entity, you represent and warrant that you have the authority to bind that organization to these Terms.

3. Description of Services and Products

LTLI provides financial planning services, educational resources, and related offerings designed to help individuals navigate life transitions. Our Services may include, but are not limited to:

The specific features, content, duration, and deliverables of each offering are described in the applicable product or service description at the time of purchase. We reserve the right to modify, suspend, or discontinue any Service or product at any time, with or without notice, though we will make reasonable efforts to notify active customers of material changes affecting services they have purchased.

Our Services are educational and informational in nature. We are not registered investment advisors, certified public accountants, or attorneys. Nothing provided through our Services constitutes legal, tax, investment, or professional financial advice. You should consult with appropriate licensed professionals regarding your specific circumstances before making financial decisions.

4. Accounts and Registration

Certain Services require you to create an account by providing accurate, current, and complete information, including your name, email address, and phone number. You agree to maintain and promptly update your account information to keep it accurate and current.

You are responsible for maintaining the confidentiality of your account credentials, including your password, and for all activities that occur under your account. You agree to notify us immediately at jenlansan@gmail.com of any unauthorized access or use of your account or any other security breach.

You may not share your account credentials with others, transfer your account to another person, or use another person's account without permission. You are solely responsible for all activity conducted through your account, whether or not authorized by you.

We reserve the right to suspend or terminate accounts that provide false information, violate these Terms, or engage in fraudulent or harmful conduct.

5. Purchases, Pricing, and Payment

All purchases of products and Services are subject to acceptance by us. We reserve the right to refuse or cancel any order for any reason, including product or service availability, errors in pricing or product information, or suspected fraudulent or unauthorized transactions.

Prices for our products and Services are stated in U.S. dollars and are subject to change at any time without notice. The price charged will be the price displayed at the time of purchase. All sales are subject to applicable taxes, which will be calculated and added at checkout where required by law.

Payment processing is handled by third-party payment processors. We do not directly collect, process, or store your complete credit card or payment information. By providing payment information, you authorize us and our payment processors to charge the applicable fees to your designated payment method. You represent and warrant that you have the legal right to use any payment method you provide.

For subscription-based Services or memberships with recurring billing, you authorize us to charge your payment method automatically at the beginning of each billing cycle (monthly, annually, or as otherwise specified) until you cancel. You are responsible for maintaining valid payment information. If a payment fails, we may suspend access to the Service until payment is received. Subscription renewals will be charged at the then-current rate unless otherwise specified.

You acknowledge that payment processing is governed by the terms and privacy policies of our third-party payment processors, and we are not responsible for any errors, delays, or issues arising from payment processing.

6. Refund and Cancellation Policy

[Specific refund windows and conditions should be inserted here based on the business's actual policy. Example placeholder: All sales are final. Refund requests may be considered on a case-by-case basis within [number] days of purchase by contacting jenlansan@gmail.com with your order details and reason for the request.]

For subscription-based Services, you may cancel your subscription at any time by [method of cancellation]. Cancellation will be effective at the end of the current billing period, and you will retain access to the Service until that time. No refunds or credits will be provided for partial billing periods.

Access to digital products and course materials is granted immediately upon purchase. Due to the nature of digital products, refunds may not be available once access has been granted or materials have been downloaded.

Certain Services, such as one-on-one coaching sessions, may have specific cancellation and rescheduling policies that will be communicated at the time of booking.

7. Intellectual Property and License to Use

All content, materials, and intellectual property available through the Services, including but not limited to text, graphics, logos, images, videos, audio, software, course materials, worksheets, templates, assessments, and other creative works (collectively, "Our Content"), are owned by or licensed to LTLI and are protected by United States and international copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use Our Content solely for your personal, non-commercial use in connection with the Services you have purchased. This license does not include any right to:

You may not download, copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit Our Content for any purpose without our express prior written consent. Unauthorized use of Our Content may violate copyright, trademark, and other laws and may result in termination of your access and legal action.

All trademarks, service marks, and trade names used on the Site are the property of their respective owners.

8. User Content and Acceptable Use

Certain Services may allow you to submit, post, or share content, including comments, questions, testimonials, feedback, photos, or other materials ("User Content"). You retain ownership of your User Content, but by submitting User Content through the Services, you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content in connection with operating, promoting, and improving the Services.

You represent and warrant that you own or have the necessary rights to submit your User Content and that your User Content does not violate any third-party rights or applicable laws.

You agree not to use the Services to:

We reserve the right, but have no obligation, to monitor, review, or remove User Content that violates these Terms or that we deem inappropriate, harmful, or objectionable in our sole discretion. We may suspend or terminate access for users who violate these acceptable use provisions.

9. Third-Party Services and Links

The Services may contain links to third-party websites, services, or resources that are not owned or controlled by us, including payment processors, email service providers, and other business tools. We may also integrate with or reference third-party services in connection with delivering our Services.

We are not responsible for and do not endorse the content, products, services, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any third-party content, products, or services.

Your interactions with third-party services, including payment transactions, are solely between you and the third party. We encourage you to review the terms and privacy policies of any third-party services you access.

10. Disclaimers

THE SERVICES AND ALL CONTENT, PRODUCTS, AND MATERIALS PROVIDED THROUGH THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components. We do not warrant the accuracy, completeness, reliability, or timeliness of any content or information provided through the Services.

We make no guarantees, representations, or warranties regarding any specific results, outcomes, or financial benefits you may achieve from using our Services. Your results will depend on numerous factors, including your individual circumstances, effort, background, financial situation, and market conditions. Any testimonials, case studies, or examples of results shared through the Services are not typical and should not be interpreted as a guarantee or promise of similar results.

The educational content and information provided through our Services are for general informational purposes only and do not constitute professional financial, legal, tax, or investment advice. We are not fiduciaries, registered investment advisors, or licensed financial professionals unless specifically stated otherwise. You are solely responsible for evaluating the accuracy, completeness, and usefulness of any information or content provided and for consulting with appropriate licensed professionals before making financial decisions.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE LIFE TRANSITION LOAD INVENTORY (LTLI), JEN LANDIS-SANTOS, OR OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

The limitations and exclusions in this section apply regardless of the theory of liability, whether based on warranty, contract, statute, tort (including negligence), or otherwise, and even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.

12. Indemnification

You agree to defend, indemnify, and hold harmless The Life Transition Load Inventory (LTLI), Jen Landis-Santos, and our affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim. This indemnification obligation will survive termination of these Terms and your use of the Services.

13. Term and Termination

These Terms commence when you first access or use the Services and continue until terminated by either party.

You may terminate these Terms at any time by discontinuing use of the Services and, if applicable, closing your account. If you have an active subscription, you must cancel it according to the procedures in Section 6 to avoid future charges.

We may suspend or terminate your access to the Services, in whole or in part, at any time and for any reason, including if we believe you have violated these Terms, engaged in fraudulent or harmful conduct, or for any other reason in our sole discretion. We may also terminate inactive accounts or discontinue offering certain Services.

Upon termination:

Termination does not relieve you of any obligations incurred prior to termination or limit any rights or remedies we may have at law or in equity.

14. Dispute Resolution and Governing Law

Informal Resolution: Before initiating any formal dispute resolution proceeding, you agree to first contact us at jenlansan@gmail.com to describe the issue and attempt to resolve it informally. We will make good-faith efforts to resolve disputes amicably. Most concerns can be resolved quickly and satisfactorily through direct communication.

Governing Law and Venue: These Terms and any dispute arising out of or relating to these Terms or the Services shall be governed by and construed in accordance with the laws of the United States and the state of [state where business is registered or operates], without regard to conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in [county and state], and you irrevocably consent to personal jurisdiction and venue in such courts.

Arbitration Agreement: For any dispute that cannot be resolved informally, you and we agree that any claim, dispute, or controversy arising out of or relating to these Terms or the Services (a "Dispute") will be resolved through binding individual arbitration rather than in court, except that either party may bring a claim in small claims court if it qualifies. The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator will have exclusive authority to resolve all Disputes, including the scope and enforceability of this arbitration agreement. Either party may seek injunctive or other equitable relief in court to prevent irreparable harm pending arbitration.

Class Action Waiver: You and we agree that any Dispute will be resolved only on an individual basis and not as a class action, consolidated action, representative action, or any other proceeding in which either party acts or proposes to act in a representative capacity. Neither you nor we may participate as a class member in a class action or consolidated proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

Opt-Out: You may opt out of this arbitration agreement by sending written notice to jenlansan@gmail.com within thirty (30) days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, all other terms of these Terms will continue to apply, and disputes will be resolved in the courts specified above.

Exceptions: Notwithstanding the foregoing, either party may bring a claim in court for injunctive or equitable relief regarding intellectual property rights or unauthorized access to the Services.

If any portion of this dispute resolution provision is found to be unenforceable, the remainder shall remain in full force and effect.

15. Changes to These Terms

We reserve the right to modify, amend, or update these Terms at any time in our sole discretion. When we make changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you by email to the address associated with your account or by posting a notice on the Site.

Your continued use of the Services after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must discontinue use of the Services. We encourage you to review these Terms periodically to stay informed of any updates.

Material changes that substantially affect your rights or obligations will be communicated with reasonable advance notice where feasible, and in some cases may require your affirmative consent to continue using certain Services.

16. Severability and Entire Agreement

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable while preserving its intent, or if that is not possible, will be severed from these Terms.

These Terms, together with our Privacy Policy and any additional terms or policies referenced herein or presented to you in connection with specific Services, constitute the entire agreement between you and us regarding the Services and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the subject matter.

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.

17. Contact Us

If you have any questions, concerns, or requests regarding these Terms or the Services, please contact us:

The Life Transition Load Inventory (LTLI) Jen Landis-Santos Email: jenlansan@gmail.com Phone: 7032836540 Website: https://lifetransitionsload.com

For data privacy inquiries or to exercise your rights under applicable privacy laws (including GDPR, CCPA, or other regulations), please refer to our Privacy Policy or contact us at the email address above.

We will make reasonable efforts to respond to all inquiries within a reasonable timeframe.

Marketing Communications Consent: By providing your email address or phone number, you consent to receive marketing and promotional communications from us via email and, where you have provided express consent, via SMS text message. You may opt out of marketing emails at any time by clicking the "unsubscribe" link in any email or by contacting us at jenlansan@gmail.com. You may opt out of SMS messages at any time by replying "STOP" to any text message. Standard message and data rates may apply to SMS communications. We comply with the CAN-SPAM Act for email marketing and the Telephone Consumer Protection Act (TCPA) for SMS marketing.

Testimonials and Endorsements: Any testimonials, endorsements, or reviews displayed on the Site or in our marketing materials reflect the individual experiences of those customers and are not guarantees of similar results. Some testimonials may have been solicited, and individuals providing testimonials may have received compensation or free products in exchange. Material connections and compensation will be disclosed in accordance with Federal Trade Commission guidelines (16 CFR Part 255).

International Users: The Services are controlled and operated from the United States. If you access the Services from outside the United States, you do so at your own risk and are responsible for compliance with local laws. By using the Services, you consent to the transfer of your information to the United States.

For EU/UK Users: If you are located in the European Union or United Kingdom, additional rights and protections apply to you under the General Data Protection Regulation (GDPR) and UK GDPR, including rights regarding your personal data. Please see our Privacy Policy for detailed information about how we process your data, the lawful bases for processing, your data subject rights (including rights to access, rectification, erasure, restriction, portability, and objection), and how to exercise those rights.

For California Residents: If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete personal information, the right to correct inaccurate information, the right to opt out of the sale or sharing of personal information, and the right to non-discrimination for exercising your privacy rights. Please see our Privacy Policy for detailed information about your California privacy rights and how to exercise them.