Terms of Service

Welcome to La Paz Wealth ("La Paz Wealth," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website at peaceplanning.com (the "Site").

By accessing or using our Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Site.

1. Acceptance of Terms

By visiting, browsing, or using any part of this Site, you acknowledge that you have read, understood, and agree to comply with these Terms of Service and our Privacy Policy. Your continued use of the Site constitutes your ongoing acceptance of these Terms, as they may be modified from time to time.

2. About the Firm

La Paz Wealth is a Michigan-based limited liability company that provides comprehensive financial planning services and educational content. We are committed to helping working families and Spanish-speaking professionals build and preserve generational wealth through holistic financial education and guidance.

3. Informational Use Only

All content provided on this Site—including articles, guides, tools, calculators, and other materials—is for general informational and educational purposes only. This content is not intended to constitute personalized investment advice, tax advice, legal advice, or recommendations tailored to your individual circumstances.

Important Disclaimers:

• We are not a Registered Investment Adviser and do not provide investment management services
• We do not provide tax preparation or legal services
• Information on this Site should not be relied upon as the sole basis for making financial decisions
• You should always consult with a licensed professional—such as a tax advisor, attorney, or investment adviser—before making any financial, legal, or tax-related decisions

4. No Client Relationship

Merely visiting this Site, reading content, or submitting a contact form does not create a client-advisor relationship between you and La Paz Wealth. An advisory relationship is established only when:

• We have conducted an initial consultation to assess your needs
• Both parties have agreed to work together
• We have executed a written engagement agreement or service contract

Until such an agreement is in place, no fiduciary duty, confidential relationship, or obligation to provide advice exists.

5. Third-Party Links

Our Site may contain links to third-party websites, resources, or services that are not owned, controlled, or operated by La Paz Wealth. These links are provided for your convenience and reference only.

We do not endorse, warrant, or assume responsibility for the accuracy, completeness, or reliability of any content, products, services, or practices of third-party sites. We are not liable for any damages or losses arising from your use of third-party websites. We encourage you to review the terms and privacy policies of any external sites you visit.

6. Intellectual Property

All content on this Site—including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, software, and the overall design and "look and feel"—is the exclusive property of La Paz Wealth or its content suppliers and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may view, download, and print content from this Site solely for your personal, non-commercial use. You may not:

• Reproduce, distribute, modify, or publicly display Site content without our prior written permission
• Use our trademarks, service marks, or logos without authorization
• Incorporate our content into another website, publication, or product
• Create derivative works based on our materials

7. Permitted Use

You agree to use this Site only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their use and enjoyment of the Site. Prohibited activities include, but are not limited to:

• Engaging in any unlawful, fraudulent, or malicious activity
• Attempting to gain unauthorized access to our systems, networks, or user accounts
• Using automated tools (bots, scrapers, crawlers) to access or collect data from the Site without permission
• Reverse-engineering, decompiling, or disassembling any software or technology used on the Site
• Uploading viruses, malware, or other harmful code
• Impersonating another person or entity
• Harassing, threatening, or abusing other users or our staff
• Interfering with or disrupting the operation of the Site or servers

8. Email and Form Submissions

Our Site includes contact forms and email links that allow you to communicate with us. Please be aware:

• Not Encrypted: Standard email and contact form submissions may not be encrypted. Do not send confidential, sensitive, or personally identifiable information (such as Social Security numbers, account numbers, or passwords) through these channels
• No Advisory Relationship: Submitting a form or sending an email does not create a client relationship or obligate us to provide advice
• No Confidentiality: Information submitted via contact forms or email is not subject to attorney-client privilege or similar protections unless and until a formal engagement agreement is executed
• Response Time: While we strive to respond promptly, we do not guarantee immediate replies or that we will respond to every inquiry

9. Disclaimer of Warranties

THIS SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED ON OR THROUGH THIS SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, LA PAZ WEALTH MANAGEMENT LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, reliability, completeness, or timeliness of content
• Warranties that the Site will be uninterrupted, secure, or error-free
• Warranties that defects will be corrected

We make no representations about the suitability of the information or services contained on this Site for any purpose. Your use of this Site is at your own risk.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LA PAZ WEALTH MANAGEMENT LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR IN CONNECTION WITH:

• Your use or inability to use this Site
• Any content or materials on the Site
• Unauthorized access to or alteration of your transmissions or data
• Statements or conduct of any third party on the Site
• Any other matter relating to the Site or these Terms

THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Indemnification

You agree to defend, indemnify, and hold harmless La Paz Wealth, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from or related to:

• Your use of or access to the Site
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Your conduct in connection with the Site

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Michigan.

13. Updates to These Terms

La Paz Wealth reserves the right to modify, update, or replace these Terms of Service at any time, at our sole discretion. When we make changes, we will update the "Last updated" date at the top of this page.

Changes are effective immediately upon posting to the Site. Your continued use of the Site after any modifications constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically to stay informed of any changes.

14. Contact Information

If you have any questions, concerns, or feedback about these Terms of Service, please contact us: