TERMS OF SERVICE

Last updated: February 2026

OVERVIEW

This website https://smartannuityplanning.com and its subdomains operates as a lead generation service that collects user information and connects consumers with qualified service providers. Throughout the site, the terms "we", "us" and "our" refer to Smart Annuity Planning (a trade name of Link Path LLC) and its operators.

Smart Annuity Planning is a marketing brand operated by Link Path LLC, a lead generation company. We are not a government agency, insurance company, or registered investment advisory firm. We offer lead generation services, including information collection, processing, and referral to appropriate service providers.

The professionals connected through this service are independent third parties and are not employees, agents, or representatives of Link Path LLC. We are not responsible for the advice, services, or products they may offer.

By visiting our site and submitting your information, you engage in our "Service" and agree to be bound by the following terms and conditions ("Terms of Service", "Terms"), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services.

We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

SECTION 1 - WEBSITE TERMS

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our services for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws). You must not transmit any worms or viruses or any code of a destructive nature. A breach or violation of any of the Terms will result in an immediate termination of your access to our services.

SECTION 2 - GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time. You understand that when you submit information through our forms, you are requesting to be contacted by service providers in our network. We process and transfer your information to facilitate these connections. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service without express written permission by us.

SECTION 3 - LEAD GENERATION SERVICES

When you submit information requesting to be contacted by service providers, you acknowledge this constitutes a request for services from third-party providers. We collect and process your personal information to facilitate appropriate connections and may share your information with service providers in our network. Service providers may contact you directly via phone, email, or SMS. We are not responsible for the services provided by third-party service providers. Your relationship for actual services is directly with the service provider, not with us. We do not guarantee that any service provider will accept your inquiry or provide services.

SECTION 4 - DATA COLLECTION AND PROCESSING

When you submit personal information through forms on our website, you acknowledge and agree that: We collect and process your personal information as the data controller; Your information is stored in customer relationship management (CRM) systems; We may transfer your information to service providers for connection purposes; Your information may be processed through automated systems for lead qualification; We retain your information according to our Privacy Policy and business requirements.

SECTION 5 - COMMUNICATION SERVICES AND CONSENT

By using our services and providing your contact information, you provide your express written consent to receive communications from us and our connected service providers via phone, email, and SMS, including through the use of automated telephone dialing systems, artificial or pre-recorded voice messages.

You agree that this consent applies even if your number is listed on any internal, state, or federal Do Not Call registry.

Standard message and data rates may apply to SMS communications. Message frequency varies based on appointments. Expect 3-5 messages per month. You may opt out of communications at any time by replying "STOP" to any message. Reply "HELP" for assistance. Additional opt-out methods are described in our Privacy Policy. Your consent is not a condition of purchasing any goods or services, but is necessary for lead generation services.

Carrier Liability Disclaimer: Neither Smart Annuity Planning nor any mobile carriers (including but not limited to AT&T, Verizon, T-Mobile, and their affiliates) are liable for delayed, undelivered, or misdirected messages. Delivery of SMS messages is subject to effective transmission by your mobile carrier and network availability.

SECTION 6 - EDUCATIONAL CONTENT DISCLAIMER

Any educational content, resources, guides, videos, or materials provided on this website are for informational purposes only. This content is not professional advice of any kind; should not be used as a substitute for consultation with qualified professionals; may not be accurate, complete, or current; and is provided without warranty of any kind.

We make no guarantees about the accuracy, reliability, or completeness of any information provided. You should consult with qualified professionals before making any decisions based on information from this website. We are not liable for any decisions made or actions taken based on the educational content provided.

SECTION 7 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

SECTION 8 - MODIFICATIONS TO THE SERVICE

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, suspension or discontinuance of the Service.

SECTION 9 - THIRD-PARTY TOOLS AND SERVICES

We may provide you with access to third-party tools and services over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools and services "as is" and "as available" without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of third-party tools or services.

SECTION 10 - THIRD-PARTY SERVICE PROVIDERS

When we connect you with service providers in our network: We are not responsible for examining or evaluating the qualifications or services of third-party providers; We do not warrant and will not have any liability or responsibility for any third-party services; We are not liable for any harm or damages related to services provided by third-party providers. Please review carefully the service provider's policies and practices before engaging their services. Complaints, claims, concerns, or questions regarding services should be directed to the service provider. Your relationship for services is directly with the service provider, not with us.

SECTION 11 - PERSONAL INFORMATION

Your submission of personal information through our site is governed by our Privacy Policy. We are the data controller for information collected through our forms and process your information according to our Privacy Policy.

Mobile information will not be shared with third parties or affiliates for marketing/promotional purposes, except for the specific Connected Professional(s) required to fulfill your request for services. Information transferred to third-party service providers is governed by their respective privacy policies once transferred.

SECTION 12 - PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code; (h) to collect or track the personal information of others; (i) to spam, phish, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service. We reserve the right to terminate your use of the Service for violating any of the prohibited uses.

SECTION 13 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free. We do not warrant that the results that may be obtained from the use of our lead generation service will meet your expectations or result in successful service connections.

You expressly agree that your use of, or inability to use, the service is at your sole risk. The service is provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied.

Lead Generation Service Disclaimer: We provide lead generation and referral services but do not provide the actual services you are seeking. We make no warranties about the availability, quality, or suitability of any third-party service providers in our network.

In no case shall Smart Annuity Planning, its operators, directors, officers, employees, affiliates, agents, contractors, suppliers, or service providers be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of our lead generation service or any services obtained through service providers in our network. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

SECTION 14 - INDEMNIFICATION

You agree to indemnify, defend and hold harmless Smart Annuity Planning and its operators, affiliates, partners, officers, directors, agents, contractors, and service providers, harmless from any claim or demand, including reasonable attorneys' fees, made by any third-party due to or arising out of your breach of these Terms of Service, your use of services obtained through our network, or your violation of any law or the rights of a third-party.

SECTION 15 - SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 16 - TERMINATION

These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by ceasing to use our services. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we may terminate this agreement at any time without notice and may deny you access to our services.

SECTION 17 - ENTIRE AGREEMENT

These Terms of Service and any policies or operating rules posted by us on this site constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us.

SECTION 18 - GOVERNING LAW

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California.

SECTION 19 - DISPUTE RESOLUTION AND ARBITRATION

Any dispute, controversy, or claim arising out of or relating to these Terms of Service, including the breach, termination, or validity thereof, shall be finally resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The place of arbitration shall be Sacramento, California. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Class Action Waiver: You and Smart Annuity Planning agree that any proceedings to resolve or litigate any dispute will be conducted solely on an individual basis. You agree not to seek to have any dispute heard as a class action, a representative action, a collective action, a private attorney general action, or in any proceeding in which either party acts or proposes to act in a representative capacity.

SECTION 20 - CHANGES TO TERMS OF SERVICE

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 21 - CONTACT INFORMATION

For questions about these Terms of Service, please contact us at:

Email: [email protected]

Phone: 1 (844) 543-5987

Mailing Address: 2108 N ST STE N Sacramento, CA 95816