Terms & Conditions
Prosperity Life & Financial Solutions LLC
Please read these Terms & Conditions (“Terms”) carefully before using the website operated by Prosperity Life & Financial Solutions LLC (“we,” “us,” or “our”). By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website.
1. Acceptance of Terms
By using this website, you confirm that you are at least 18 years of age and have the legal capacity to enter into these Terms. These Terms apply to all visitors, users, and others who access or use the website.
2. Permitted Use of This Website
You may use this website for lawful purposes only. You agree not to:
- Use the site in any way that violates applicable federal, state, or local laws or regulations
- Transmit any unsolicited or unauthorized advertising or promotional material
- Attempt to gain unauthorized access to any part of the website or its related systems
- Use automated tools to scrape, crawl, or otherwise extract data from the website without our express written permission
- Engage in any conduct that restricts or inhibits other users from using the website
3. Informational and Educational Purpose Only
The content on this website — including articles, calculators, guides, and all other materials — is provided for general informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice, and should not be treated as such.
The information on this site:
- Is not tailored to your individual financial situation or goals
- May not be complete, accurate, or current for your specific circumstances
- Does not represent a recommendation to buy, sell, or hold any financial product or insurance policy
Before making any financial decisions, you should consult with a qualified financial advisor, tax professional, or attorney who understands your specific situation.
4. No Guarantee of Financial Results
Nothing on this website guarantees any specific financial outcome, return, or result. Calculators and estimates provided on this site are for illustrative purposes only and are based on assumptions that may not reflect your actual situation. Actual results will vary based on individual circumstances, market conditions, product terms, and other factors outside our control.
Past performance referenced on this website is not indicative of future results. Insurance and annuity product guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company — not by any government agency, bank, or credit union.
5. Insurance Products Disclosure
Loretta Stewart is a licensed insurance professional. Insurance products discussed or referenced on this website are not securities and are not regulated by the SEC or FINRA. Insurance products are not FDIC insured, not bank guaranteed, and may involve risk of loss depending on the product type. Always review product disclosures and consult with a licensed professional before purchasing any insurance or annuity product.
6. Third-Party Links
Our website may contain links to third-party websites or resources. These links are provided for your convenience only. We do not control, endorse, or assume any responsibility for the content, privacy practices, or availability of third-party websites. Visiting any third-party site is at your own risk.
7. SMS Terms and Conditions
By providing your phone number and checking the consent checkbox on any form on this website, you agree to receive SMS text messages from Prosperity Life & Financial Solutions LLC, including appointment reminders, follow-up communications, and informational messages related to your inquiry.
- Message frequency: Varies based on your interaction with us.
- Message and data rates may apply depending on your mobile carrier and plan.
- To opt out: Reply STOP to any text message at any time. You will receive a confirmation and no further SMS messages will be sent.
- For help: Reply HELP or contact us through our website.
- We do not share your mobile number or SMS consent with third parties for their own marketing purposes.
- Carriers are not liable for delayed or undelivered messages.
8. Intellectual Property
All content on this website — including text, graphics, logos, images, and downloadable materials — is the property of Prosperity Life & Financial Solutions LLC or its content providers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this site without our express written permission.
9. Disclaimer of Warranties
This website is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
10. Limitation of Liability
To the fullest extent permitted by law, Prosperity Life & Financial Solutions LLC and its affiliates, officers, agents, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — this website or its content, even if we have been advised of the possibility of such damages.
11. Privacy
Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.
12. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with a revised effective date. Your continued use of the website after any changes constitutes your acceptance of the updated Terms.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the state in which Prosperity Life & Financial Solutions LLC is registered, without regard to its conflict of law provisions.
14. Contact Us
If you have questions about these Terms & Conditions, please contact us:
Prosperity Life & Financial Solutions LLC
Loretta Stewart, Founder
Contact us via our website