1. Agreement to Terms
By using our website, content, or Lovejoy AI tool, you agree to these Terms. If you do not agree, please discontinue use.
Disclaimer: Lovejoy Innovative Planning LLC provides consulting, technology support, data organization, workflow assistance, and educational resources for individuals, families, and organizations. Services are informational and administrative in nature and are not a substitute for advice from qualified professionals. Clients remain responsible for their own decisions.
2. Nature of Services
Lovejoy Innovative Planning LLC provides financial organization, educational, and administrative support services only.
We are not:
- A registered investment adviser
- A broker-dealer
- A tax preparer
- A law firm
- An insurance agency
Nothing provided through the Services, including the AI tool, is financial, investment, tax, legal, or insurance advice.
All content is general and educational and does not consider your personal situation.
You are responsible for your own decisions and should work with licensed professionals for specific advice.
3. No Professional Relationship
Using the Services does not create a client or advisory relationship.
Any working relationship only begins through a separate written agreement.
4. AI Tool Disclaimer
The Lovejoy AI tool provides general informational responses only.
Outputs may be:
- Incomplete
- Inaccurate
- Outdated
They are not personalized advice and should not be relied on for decisions.
You are responsible for verifying all information.
5. Acceptable Use
You agree not to misuse the Services, including:
- Illegal or fraudulent use
- Attempting to access systems without permission
- Copying or reverse-engineering the platform
- Interfering with functionality or security
We may restrict access if misuse is suspected.
6. Privacy
Your use of the Services is subject to our Privacy Policy.
Do not submit sensitive personal or financial information through public forms or the AI tool.
Secure systems are used only after a formal engagement begins.
7. Intellectual Property
All content and materials are owned by the Company.
You may use the Services for personal, non-commercial purposes only.
8. Third-Party Services
We may link to third-party tools. We are not responsible for their content or security.
9. Disclaimer of Warranties
The Services are provided "as is" without warranties of any kind.
We do not guarantee accuracy, reliability, or uninterrupted access.
10. Limitation of Liability
We are not liable for any damages resulting from your use of the Services or reliance on information provided.
Our total liability is limited to $100 or the amount you paid, whichever is greater.
11. Indemnification
You agree to hold the Company harmless from claims related to your use of the Services or violation of these Terms.
12. Updates
We may update these Terms at any time. Continued use means acceptance.
13. Governing Law
These Terms are governed by North Carolina law.
14. Contact
Lovejoy Innovative Planning LLC