Last Updated: November 2025
Welcome to Lighthouse Financial Management (“Company,” “we,” “our,” or “us”). These Terms & Conditions and Privacy Policy (“Agreement”) govern your use of LighthouseFinancialManagement.com (the “Website”) and any services, education, coaching, financial tools, trust services, or programs we offer (the “Services”).
By accessing this Website or using our Services, you accept this Agreement in full. If you do not agree, discontinue use immediately.
1. Scope of Services
Lighthouse Financial Management is a financial distribution center offering: – Irrevocable trust solutions (through approved partners)
– Cash flow optimization
– Estate planning education
– Advance care planning
– Final expense and insurance-based solutions
– Financial strategy education
– Business funding education
– Alternative investment education
– Coaching, consulting, masterclasses, and webinars
We provide education, tools, and connections, not guaranteed financial outcomes.
2. User Responsibilities
You agree to:
– Use information responsibly
– Provide accurate information
– Follow national, state, and federal laws
– Review all documents before signing
– Seek professional legal/tax/investment advice – Maintain confidentiality of login credentials
3. Important Disclaimers
3.1 FINRA-Style Disclaimer
Lighthouse Financial Management is an educational platform. We are not a broker-dealer or investment advisory firm unless explicitly stated. We do NOT:
– Offer securities
– Provide individualized investment recommendations – Act as a fiduciary
– Provide brokerage services
– Guarantee suitability of any financial product
Always consult a licensed securities professional before investing.
3.2 No Legal or Tax Advice Disclosure
Information provided is NOT legal or tax advice. We are not attorneys, CPAs, or enrolled agents. Always consult licensed professionals before making legal or tax decisions.
3.3 Past Performance Disclaimer
Any examples of historical returns, compounding results, gold/silver trends, or credit improvements are hypothetical and not guarantees of future results.
You acknowledge:
– Markets carry risk
– Credit results vary
– Investment outcomes cannot be guaranteed
3.4 Trust & Estate Planning Disclaimer
Irrevocable trust services must be reviewed by your independent attorney. We do not guarantee asset protection, probate avoidance, or legal compliance.
4. Masterclass, Coaching, and Program Terms
4.1 Educational Purpose Only
All coaching and courses are for education only, not legal or financial advice.
4.2 No Earnings Guarantee
We do not guarantee income, investment results.
4.3 Payments
All coaching, masterclass, and consulting fees are non-refundable once delivered or accessed.
4.4 Personal Responsibility
You agree you are 100% responsible for your results.
5. Third-Party Providers
We may refer or connect you to: – Attorneys
– Lenders
– Insurance carriers
We are not responsible for third-party decisions or outcomes.
6. Payments & Refund Policy
– Payments due upfront
– Non-refundable once work begins – Subscriptions renew until canceled
7. Intellectual Property
All materials remain the property of Lighthouse Financial Management. You may not resell or redistribute.
8. Privacy Policy
8.1 Information We Collect
Personal info: name, email, phone, address, DOB, SSN (if needed) Financial info: income, estate planning data Technical info: IP address, browser data, cookies, analytics
8.2 How We Use Information
To deliver services, assist with funding prep, improve client outcomes, and comply with laws.
8.3 Sharing Information We may share with:
– Lenders
– Insurers
– Attorneys
We never sell personal data.
8.4 Cookies & Tracking
Used for analytics and performance.
8.5 Data Security
We use reasonable protections but cannot guarantee complete security.
8.6 Data Retention
We retain data as long as needed or legally required.
8.7 Your Rights
You may request access, correction, deletion, or opt-out.
9. Limitation of Liability We are not liable for:
– Financial losses
– Investment outcomes
– Legal or tax consequences
Liability is limited to amount paid for services.
10. Termination
We may terminate if: – Payments missed
– Fraud suspected
– Terms violated
11. Updates
We may update these terms at any time.
12. Lighthouse Financial Management Respects your privacy. By opting into our SMS messaging service, you agree to the following terms regarding how we handle your data.
– Data Collection: We will collect your name, E mail address, mailing address, and mobile phone number when you sign up for SMS updates. The information will be collected via the website contact form, email, rental agreement, or third-party reservation systems.
– Data Usage: We use your data solely for sending Account Notifications and Customer Care.
– Data Security: We protect your data with secure storage measures to prevent unauthorized access.
– Data Retention: We retain your information if you are subscribed to our SMS service.
You may request deletion at any time. MESSAGE AND DATA RATES MAY APPLY. Your mobile carrier may charge fees for sending or receiving text messages, especially if you do not have an unlimited texting or data plan. Messages are recurring, and message frequency varies.
Contact Lighthouse Financial Management at (844) 444 – 4473 or support@lighthousefinancialmanagement.com for HELP or to STOP receiving messages.
Opt-Out: You can opt out of the SMS list at any time by texting, emailing, or replying STOP or UNSUBSCRIBE to support@lighthousefinancialmanagement.com or (844) 444 – 4473 After unsubscribing, you will receive a final SMS to confirm you have unsubscribed and we will remove your number from our list within 24 hours.
You can send HELP for additional assistance, and you will receive a text including our Phone number, email and website. We are here to help you.
Non-Sharing Clause: We do not share your data with third parties for marketing purposes. Lighthouse Financial Management will not sell, rent, or share the collected mobile numbers.
13. Contact Information
Lighthouse Financial Management
350 Main St Ste H, Pleasanton, CA 94566 support@lighthousefinancialmanagement.com (844) 444 – 4473