Terms and Conditions
Effective Date: 01/01/2026
Welcome to the website operated by Juan Zapata (“Company,” “we,” “us,” or “our”). These Terms and Conditions govern your use of the website located at:
https://mylifetimeincomesolution.com
By accessing or using this website, submitting a form, scheduling an appointment, registering for a webinar, or opting in to receive SMS messages, you agree to these Terms and Conditions. If you do not agree, please do not use this website.
1. Description of Services
Juan Zapata provides retirement planning and insurance-related educational services designed to help individuals evaluate retirement income strategies, insurance options, and related financial topics.
Services may include:
Retirement income education
Insurance and annuity education
Retirement consultations
Appointment scheduling
Educational webinars
Customer service support
Follow-up communications
Services may be provided through:
Website forms
Telephone communications
SMS text messaging
Email communications
Virtual meetings
In-person consultations
All content provided on this website is for educational and informational purposes only and does not constitute legal, tax, investment, or financial advice.
You should consult with a qualified professional before making financial, legal, tax, insurance, or retirement decisions.
2. SMS Messaging Program
By providing your phone number and consenting to receive SMS messages from Juan Zapata, you agree to receive SMS text messages related to:
Customer care
Customer service communications
Appointment confirmations
Appointment reminders
Webinar confirmations
Webinar reminders
Follow-up communications
Service notifications
Educational information
Promotional messages, if separately consented
Message frequency may vary.
Message and data rates may apply.
You may opt out of SMS messages at any time by replying:
STOP — to unsubscribe
HELP — for assistance
Consent to receive SMS messages is not a condition of purchase.
SMS consent is not shared with third parties for marketing purposes.
3. Message Frequency Disclosure
Message frequency may vary depending on your interaction with our website, appointments, webinars, services, and communications.
You may receive messages related to appointment reminders, webinar reminders, customer care, service updates, follow-up communications, educational information, or promotional messages if separately consented.
4. Message and Data Rates Disclosure
Message and data rates may apply to SMS messages sent or received.
Your mobile carrier may charge fees for text messages or data usage according to your mobile plan.
5. Opt-Out Instructions
You may opt out of SMS messages at any time by replying:
STOP
After replying STOP, you may receive a confirmation message that you have been unsubscribed. After that, you will no longer receive SMS messages from us unless you opt in again.
For help, reply:
HELP
You may also contact us using the contact information listed below.
6. Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages.
Message delivery may depend on your mobile carrier, network availability, device settings, and other factors outside our control.
We are not responsible for delayed, failed, blocked, or undelivered SMS messages.
7. Age Restriction
You must be 18 years of age or older to use this SMS service.
You must be 18 years of age or older to use this website, services, and SMS messaging program.
By using this website, submitting your information, scheduling an appointment, registering for a webinar, or opting in to receive SMS messages, you confirm that you are at least 18 years old.
8. Separate Consent for Marketing Messages
Users may choose to provide separate consent to receive promotional or marketing SMS messages.
Promotional messages may include:
Educational retirement information
Webinar invitations
Service announcements
Special offers or updates
Marketing communications
Promotional SMS messages are only sent to users who have provided consent to receive marketing communications.
You may opt out of marketing SMS messages at any time by replying STOP.
9. Privacy Policy
Your privacy is important to us.
Please review our Privacy Policy to understand how your information is collected, used, shared, and protected.
Privacy Policy: [Insert Privacy Policy Link]
10. User Responsibilities
By using this website, you agree:
To provide accurate and truthful information
Not to submit false, misleading, or fraudulent information
Not to misuse the website or services
Not to attempt unauthorized access to any system or data
Not to interfere with website functionality
To comply with all applicable laws and regulations
11. Intellectual Property
All website content, including text, graphics, logos, images, designs, videos, forms, software, and other materials, is owned by Juan Zapata or used with permission unless otherwise stated.
You may not copy, reproduce, distribute, modify, display, or use website content for commercial purposes without prior written permission.
12. Third-Party Links
This website may contain links to third-party websites, platforms, tools, or services. These links are provided for convenience only.
Juan Zapata is not responsible for:
Third-party website content
Third-party privacy practices
Third-party data handling
Third-party products or services
The accuracy or security of third-party websites
You should review the terms and privacy policies of any third-party websites you visit.
13. Disclaimer of Warranties
This website and all services are provided on an “as is” and “as available” basis without warranties of any kind.
We do not guarantee:
That the website will always be available
That the website will be error-free
That information will always be complete or current
That services will meet your specific needs
Any specific financial, insurance, retirement, legal, or tax outcome
You use this website and services at your own risk.
14. Limitation of Liability
To the fullest extent permitted by law, Juan Zapata shall not be liable for damages resulting from:
Use of this website
Inability to access the website or services
Errors, interruptions, or delays
Reliance on website information
Delayed or undelivered communications
Third-party services or links
Unauthorized access or security issues beyond our reasonable control
This includes direct, indirect, incidental, consequential, special, or punitive damages.
15. Modifications to Terms
Juan Zapata reserves the right to update or modify these Terms and Conditions at any time.
Updates will be posted on this page with a revised effective date.
Your continued use of the website after changes are posted means you accept the updated Terms and Conditions.
16. Governing Law
These Terms and Conditions shall be governed by the laws of the state in which Juan Zapata conducts business, without regard to conflict of law principles.
17. Contact Information
If you have questions regarding these Terms and Conditions, you may contact:
Juan Zapata
Website: https://mylifetimeincomesolution.com
Email: [email protected]
Phone: 941-294-4656