Terms of Service

Full Spectrum Financial Solutions

Effective Date: June 1, 2025

1. Acceptance of Terms

By accessing or using our website at myretirementincomeforlife.com (“Site”) and Services, you agree to these Terms of Service (“Terms”). If you do not agree, please do not use our Site or Services.

2. Scope of Services

Full Spectrum Financial Solutions provides financial advisory and wealth management services, including investment planning, retirement strategies, and portfolio management. The Site may provide general financial information, but it is not a substitute for personalized advice. Use of the Site does not create a client-advisor relationship.

3. Client Agreement

Our services are governed by a separate, written client agreement or advisory contract that outlines terms specific to your financial advisory relationship. These Terms do not replace such agreements.

4. Fees and Payment

Fees for our services are detailed in your client agreement and may include asset-based fees, hourly rates, or fixed fees. Payment terms and billing schedules are outlined in the client agreement.

5. Use of the Site

You agree to use the Site lawfully and responsibly. You must not:

Interfere with the operation or security of the Site Attempt unauthorized access to any part of the Site or servers Harvest or collect information about other users without consent.

6. Intellectual Property

All content on the Site, including text, images, logos, and trademarks, are owned or licensed by Full Spectrum Financial Solutions. You may not use this content without written permission.

7. Disclaimers and Limitations of Liability

The Site provides general financial information and is not personalized investment advice. Investment decisions carry risk and past performance does not guarantee future results. Full Spectrum Financial Solutions is not liable for any losses or damages resulting from the use of the Site or Services. Third-party services linked or integrated with the Site are not under our control, and we disclaim responsibility for their content or practices.

8. Confidentiality

We maintain strict confidentiality of your personal and financial information, except as required by law or regulatory authorities.

9. Governing Law and Dispute Resolution

These Terms and any disputes related to them shall be governed by the laws of [State/Country]. Any disputes will be resolved through binding arbitration or mediation, as specified in your client agreement.

10. Termination

We reserve the right to terminate or suspend your access to the Site or Services at our discretion, including for violations of these Terms.

11. Contact Us

If you have any questions about these Terms or our Services, please contact us at:

Email: [email protected]

Phone: 516-719-0150

12. Changes to Terms

We may update these Terms at any time. Continued use of the Site or Services after changes implies acceptance of the updated Terms.