Terms of use

General

 

Baxter Consulting Group (“we” or “us”) offers information for advisors, clients, and prospective clients to better understand life stages and events. We always act in the best interest of our users.

 

Information we provide is designed to provide general information and is for discussion purposes only. The effectiveness of any strategy is dependent upon each individual’s facts and circumstances. Baxter Consulting Group does not provide legal, tax or account advice. You should consult your legal and/or tax advisors before making any financial decisions. Because of the possibility of human or mechanical error by Baxter Consulting Group or its sources, neither Baxter Consulting Group nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall Baxter Consulting Group be liable for any indirect, special or consequential damages in connection with any use of content we provide.

 

You may be invited by an advisor or other person or entity to participate in a Life Stage Insights survey (“Survey”). In this Survey you will be asked to share personal information. We will hold this information confidential and share personally identifiable information only with you and your advisor or other person or entity which invited you to participate in the Survey.

 

When you participate in the Survey or use our website at www.lifestageinsights.com ("our website"), you agree to be bound by the following Terms of Use, including our Privacy Policy, which covers how we collect, use, share and store your personal information.

Availability

Our services are intended solely for individuals who are 18 or older. By accessing or using our website, you confirm that you are 18 or older.

Survey Participation and Communication

When participating in the Survey, you will be asked to provide personal information. By participating in the Survey, you automatically sign up for various types of alerts and communication via e-mail, mobile notification, and other communication. Anyone with access to your e-mail or mobile device will be able to view these communications, and it is your responsibility to maintain the privacy of these devices. You may unsubscribe from these communications any time by contacting us at service@lifestageinsights.com

When using our Survey, website, and our services, you agree to provide accurate information to us, to use our website and our services solely for your personal, non-commercial use, and to comply with all applicable laws, including privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements.

You acknowledge and agree that:

You should only use our services for educational purposes, and we are not providing investment or tax advice. We will not be liable for any actions you take based on information you receive from us or use based on your use of our website.

Disclaimers

 

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO OUR WESBITE, THE SURVEY, OR OUR SERVICES, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE, THE ABSENCE OF VIRUSES OR MALWARE, ACCURACY OR USEFULNESS OF INFORMATION, OR AVAILABILITY OF THE WEBISTE. WE DISCLAIM ANY WARRANTIES, EXPRESS OR IMPLIED.

IN NO EVENT SHALL BAXTER CONSULTING GROUP OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OUR WEBSITE, CONTENT AND/OR USER INFORMATION, INCLUDING BUT NOT LIMITED TO THE ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH OUR WEBSITE, SURVEY, OR SERVICES, OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Other Terms

We reserve the right to change this Agreement by posting a revised Terms of Use; such changes will not be retroactive. If you don't agree with these changes, you agree to stop using our website and services.

 

These Terms of Use do not confer any rights or remedies on any person other than you and us. These Terms of Use will not be construed to imply that you are an agent or employee of ours, or vice versa, or that we are partners or joint venturers.

These Terms of Use shall be governed by and interpreted in accordance with the laws of California. excluding that body of law pertaining to conflict of laws. Any legal action or proceeding arising under these Terms of Use will be brought exclusively in courts located in San Francisco, California, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.

You may not assign your rights related to the Terms of Use (by operation of law or otherwise) without our prior written consent, and any prohibited assignment will be null and void. We may assign our rights hereunder without your consent.

You agree the only way to provide us legal notice is to service@lifestageinsights.com. If you submit, through any medium, ideas about our website or services, you hereby confirm that you have the right to do so and that thereafter we and our assignees shall have the right to use them thereafter in any manner, throughout the world, and that we need not account to you for such use.

 

These Terms of Use set forth the entire agreement between you and us with respect to our Survey, services, content, and website, and your use of our website and any mobile app we provide or make available, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us. If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.