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Thank you for visiting the Financial Health and Fitness LTC® (FH&F, LTC) web site. The information contained in this web site has been prepared for your use and convenience solely for the purpose of providing information about Financial Health and Fitness LTC and the services we offer. It does not constitute an offer to sell any securities and must not be relied upon in connection with any investment decision. Financial Health and Fitness LTC reserves the right to change these disclaimers at any time, and you agree that each visit you make to the Financial Health and Fitness LTC web site shall be subject to the current disclaimers.



ANY MATERIALS OR INFORMATION YOU FIND ON THE FH&F, LTC WEB SITE ARE PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY FOR INFORMATION, SERVICES, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THIRD PARTY COMPANIES OR THIS SITE AND/OR ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, EXPECTATION OF PRIVACY, OR NON-INFRINGEMENT. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action. You specifically acknowledge that Financial Health and Fitness LTC is not liable for your defamatory, offensive, infringing, illegal materials or conduct nor that of third parties, and FH&F, LTC reserves the right to remove such materials from the FH&F, LTC web site without liability.

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