Terms of Use

Last Updated: February 22, 2026

These Terms of Use ("Terms") constitute a legally binding agreement made between you, whether personally or on behalf of any entity ("you" or "User"), and Summit Life Planners ("we," "us," or "our"), concerning your access to and use of our website https://summitlifeplanners.com (the "Site"), including any related content, resources, planners, tools, comments, accounts, or services offered through the Site (collectively, the "Service").

By accessing, browsing, or using the Site or Service in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use the Site or Service.

We recommend that you print or save a copy of these Terms for your records.

1. Eligibility and User Accounts

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site. By using the Site, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.

If you create an account:

  • You agree to provide accurate, current, and complete information.
  • You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.
  • You must notify us immediately of any unauthorized use.
  • We reserve the right to suspend or terminate accounts for any violation of these Terms.

2. User Conduct and Prohibited Activities

You agree to use the Site only for lawful purposes and in accordance with these Terms. You must not:

  • Violate any applicable federal, state, local, or international law.
  • Infringe upon the rights of others, including intellectual property, privacy, or publicity rights.
  • Transmit any material that is defamatory, obscene, abusive, harassing, threatening, hateful, or otherwise objectionable.
  • Introduce viruses, malware, Trojan horses, or other harmful code.
  • Attempt to gain unauthorized access to the Site, interfere with its operation, or circumvent security measures.
  • Use the Site for commercial purposes without our express written consent (e.g., scraping, data mining, or unsolicited advertising).
  • Impersonate any person or entity or misrepresent your affiliation.
  • Post spam, chain letters, or pyramid schemes.

We may monitor, moderate, or remove any user content (including comments) at our sole discretion without notice.

3. User-Generated Content

By posting comments, uploading media (e.g., images), or submitting any content to the Site ("User Content"), you grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, transferable, sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, display, and perform such User Content in connection with operating, promoting, and improving the Site.

You represent and warrant that your User Content does not infringe any third-party rights and that you have all necessary permissions. You retain ownership of your User Content but are solely responsible for it.

We are not responsible for User Content and disclaim any liability arising from it. Avoid uploading images with embedded location data (EXIF GPS), as others may extract it.

4. Intellectual Property

The Site, including all text, graphics, logos, planners, resources, tools, designs, software, and other content (excluding User Content), is owned by us or our licensors and protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-transferable, non-sublicensable license to access and use the Site for personal, non-commercial purposes only. You may not copy, modify, distribute, sell, or create derivative works from any part of the Site without our prior written consent.

Our trademarks and logos may not be used without permission.

If you believe your copyrighted work has been infringed on the Site, please provide a DMCA-compliant notice to  copyright@summitlifeplanners.com] including your signature, description of the work, location on the Site, your contact information, a statement of good faith belief in infringement, and a statement under penalty of perjury.

5. Disclaimers and Limitation of Liability

THE SITE AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

THE CONTENT ON THE SITE, INCLUDING LIFE PLANNING RESOURCES, TOOLS, AND ADVICE, IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE PROFESSIONAL ADVICE (LEGAL, FINANCIAL, MEDICAL, THERAPEUTIC, OR OTHERWISE). CONSULT QUALIFIED PROFESSIONALS FOR PERSONALIZED GUIDANCE. WE DO NOT GUARANTEE ANY RESULTS FROM USING THE SITE OR ITS RESOURCES.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS INTERRUPTION) ARISING FROM YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRIOR TO THE CLAIM OR (B) $100 USD.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OR EXCLUSIONS; THESE MAY NOT APPLY TO YOU.

6. Third-Party Links and Embedded Content

The Site may contain links to or embedded content from third-party websites (e.g., videos, images). We do not endorse or control these sites and are not responsible for their content, privacy practices, or availability. Your use of third-party sites is at your own risk; review their terms and policies.

7. Termination

We may suspend or terminate your access to the Site or account at any time, without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Site ends immediately, but provisions that by nature survive (e.g., intellectual property, disclaimers, limitation of liability, governing law) continue.

You may stop using the Site at any time.

8. Changes to These Terms

We may update these Terms at any time. We will post the revised version with an updated "Last Updated" date. For material changes, we may provide notice (e.g., via email or prominent Site notice). Continued use after changes constitutes acceptance.

9. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Texas, United States, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Paris, Texas, or the county where our principal place of business is located. You consent to the personal jurisdiction of these courts.

We encourage informal resolution first: contact us before litigation.

10. Miscellaneous

  • Severability: If any provision is held invalid, the remainder remains enforceable.
  • No Waiver: Failure to enforce a right does not waive it.
  • Entire Agreement: These Terms (together with our Privacy Policy) constitute the entire agreement.
  • Assignment: We may assign these Terms; you may not without our consent.
  • Force Majeure: We are not liable for delays due to events beyond our control.

11. Contact Us

For questions about these Terms, contact:

Summit Life Planners
Address: 3122 Nealy Way Ste 155, Longview, TX  75605
Email:  terms@summitlifeplanners.com]

These Terms do not create any agency, partnership, or joint venture. Thank you for using Summit Life Planners.