Terms & Conditions

Last updated: February 14, 2024

1. Acceptance of Terms

By accessing Life Gateway's website, scheduling a consultation, or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Services Provided

Life Gateway provides comprehensive retirement planning and financial advisory services specifically tailored for teachers, administrators, government employees, and other public sector professionals in Florida. Our services include:

  • State pension analysis and retirement income projections
  • Guidance on supplemental retirement plans (403b, 457b, 401a, IRA, Roth IRA)
  • Life and disability insurance needs assessment and product recommendations
  • Rollover assistance for previous employer retirement plans
  • Retirement readiness reviews and ongoing financial planning support

3. Client Responsibilities

As a client or prospective client of Life Gateway, you agree to:

  • Provide accurate, complete, and current information about your financial situation
  • Notify us promptly of any changes to your employment, income, or financial circumstances
  • Review all recommendations and documentation carefully before making decisions
  • Understand that you are ultimately responsible for all financial decisions
  • Maintain the confidentiality of any account access credentials provided to you

4. Professional Advisory Relationship

Life Gateway operates as a financial services firm with licensed insurance agents and financial professionals. Our recommendations are based on the information you provide and our professional judgment. While we strive to provide accurate and beneficial advice, we cannot guarantee specific investment results, retirement income levels, or insurance claim outcomes.

Suitability and Best Interest

Our advisors recommend products and strategies that we believe are suitable for your situation and in your best interest, based on the information available at the time of recommendation. However, your individual circumstances may change, and you should review your financial plan regularly.

5. Fees and Compensation

Life Gateway offers complimentary initial consultations at no charge. We are compensated through:

  • Commissions from insurance carriers when you purchase recommended insurance products
  • Fees paid by investment companies for assets under management in certain retirement accounts
  • Advisory fees for ongoing financial planning services, when applicable

All compensation arrangements will be disclosed to you before you engage our services or purchase any financial products. There are no hidden fees or undisclosed compensation.

6. Licensing and Compliance

Life Gateway's advisors are licensed professionals who adhere to applicable state and federal regulations governing financial services and insurance products. Our firm maintains all required licenses, registrations, and professional certifications necessary to provide the services we offer.

We are subject to regulatory oversight by state insurance departments and financial regulatory authorities. All recommendations comply with applicable suitability and fiduciary standards as required by law.

7. Limitation of Liability

Life Gateway provides services in good faith and with professional diligence. However, we cannot guarantee:

  • Specific investment returns or retirement income levels
  • The future performance of any investment or insurance product
  • That pension systems or government benefits will remain unchanged
  • Protection against market volatility or economic downturns

Past performance is not indicative of future results. All investments carry risk, including potential loss of principal. Insurance coverage is subject to the terms, conditions, and financial strength of the issuing insurance company.

Maximum Liability

To the maximum extent permitted by law, Life Gateway's total liability to you for any claims arising from our services shall not exceed the amount of compensation we received from you or on your behalf during the twelve months preceding the claim.

8. Intellectual Property

All content on the Life Gateway website, including text, graphics, logos, images, and software, is the property of Life Gateway or our licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from our website content without express written permission.

9. Third-Party Links and Services

Our website may contain links to third-party websites or reference third-party products and services. These links are provided for convenience only. Life Gateway does not endorse or assume responsibility for the content, privacy policies, or practices of any third-party websites or services.

10. Termination of Services

Either party may terminate the advisory relationship at any time with written notice. Upon termination:

  • You remain responsible for any products or services already purchased
  • Insurance policies and retirement accounts remain in force according to their terms
  • We will provide reasonable assistance with transition to a new advisor, if requested
  • Confidentiality obligations continue beyond the termination date

11. Dispute Resolution

Any disputes arising from these Terms or our services shall first be addressed through good-faith negotiation. If negotiation is unsuccessful, disputes may be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Orange County, Florida.

12. Governing Law

These Terms and Conditions are governed by the laws of the State of Florida, without regard to conflict of law provisions. Any legal action must be brought in the state or federal courts located in Orange County, Florida.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Modifications to Terms

Life Gateway reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of our services after modifications constitutes acceptance of the updated terms. We encourage you to review these Terms periodically.

15. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service agreements you sign, constitute the entire agreement between you and Life Gateway regarding our services and supersede all prior agreements and understandings.

Contact Information

For questions about these Terms & Conditions, please contact us:

Life Gateway
5764 North Orange Blossom Trl, Suite 61888
Orlando, FL 32810
Phone: (904) 730-1880
Email: info@life-gateway.com