Terms of Service

Effective Date: January 1, 2025
Last Updated: January 1, 2025

1. Acceptance of Terms

By accessing or using the C137 Healthcare website and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Description of Services

C137 Healthcare, LLC is a independent insurance agency that provides:

• Wealth management and insurance advisory services
• Retirement planning and strategy development
• Estate planning coordination and guidance
• Tax optimization strategies
• Financial planning and portfolio management
• Ongoing financial consultation and support

We act as a fiduciary, legally bound to act in your best financial interest at all times.

3. Eligibility

You must be at least 18 years old and legally able to enter into binding contracts to use our services. By using our services, you represent that you meet these requirements.

4. Account Responsibilities

If you create an account with us:

• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must provide accurate, complete, and current information
• You must notify us immediately of any unauthorized access or security breaches
• You must update your information promptly when circumstances change

5. Financial Advisory Services

5.1 Fiduciary Duty

As a independent insurance agency, we are held to a fiduciary standard. We are legally and ethically obligated to act in your best interest at all times.

5.2 Accurate Information Required

You must provide truthful and complete information about your financial situation, goals, and risk tolerance. The quality of our advice depends on the accuracy of the information you provide.

5.3 No Guaranteed Returns

We cannot guarantee specific investment returns or performance outcomes. Past performance does not guarantee future results. All investments carry risk, including potential loss of principal.

5.4 Investment Decisions

While we provide professional advice and recommendations, you retain ultimate decision-making authority over your investments unless you have granted us discretionary authority in writing.

6. SMS and Communication Terms - 10DLC Compliance

6.1 SMS Notification Messages

IMPORTANT: SMS messages from C137 Healthcare are for NOTIFICATIONS ONLY and are NOT used for marketing or promotional purposes.

If you opt in to receive SMS messages, you consent to receive:

• Appointment reminders for scheduled consultations and meetings
• Account notifications regarding important account activity or updates
• Security alerts for login attempts or security-related matters
• Time-sensitive notifications requiring your immediate attention

6.2 SMS Message Details

• Messages are for notifications only, not marketing or promotional content
• Message frequency varies based on account activity and scheduled appointments
• Standard message and data rates may apply from your mobile carrier
• You can opt out at any time by replying STOP to any message
• For help or assistance, reply HELP or contact us directly
• Consent to receive SMS notifications is not required to use our advisory services

6.3 Supported Carriers

SMS notifications are supported by major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, and others. Message delivery may vary by carrier.

6.4 Email Communications

If you opt in to receive email communications, you consent to receive:

• Account statements and performance reports
• Market insights and educational content
• Service updates and important notices
• Responses to your inquiries

6.5 Communication Compliance

We comply with all applicable regulations including:

• Telephone Consumer Protection Act (TCPA)
• 10DLC (10-Digit Long Code) regulations for SMS notifications
• CAN-SPAM Act for email communications
• SEC and FINRA communication guidelines

6.6 Opting Out

You may opt out of communications at any time:

• SMS: Reply STOP to any message
• Email: Click unsubscribe link or contact us
• Phone: Request to be added to our internal do-not-call list

7. Fees and Compensation

7.1 Advisory Fees

Our fee structure is transparent and will be clearly disclosed to you before you engage our services. Fees may be based on assets under management, hourly rates, or flat fees depending on the service arrangement.

7.2 Fee Disclosure

All fees, including any third-party fees associated with investments, will be fully disclosed in your advisory agreement and Form ADV Part 2 brochure.

8. Prohibited Uses

You may not use our services to:

• Provide false, misleading, or incomplete information
• Violate any applicable laws, regulations, or securities rules
• Engage in market manipulation or illegal trading activities
• Infringe on intellectual property rights
• Transmit harmful code, malware, or viruses
• Interfere with the proper functioning of our systems
• Attempt unauthorized access to our platforms or client data
• Use our services for money laundering or terrorist financing

9. Intellectual Property

All content on our website and platforms, including text, graphics, logos, financial models, and software, is the property of C137 Healthcare or our licensors and is protected by copyright, trademark, and other intellectual property laws.

10. Privacy and Data Security

We take your privacy seriously. Please review our Privacy Policy to understand how we collect, use, and protect your personal and financial information.

11. Disclaimer of Warranties

While we strive to provide excellent service, our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Guarantees of specific investment performance or returns
• Accuracy or completeness of market data or third-party information
• Uninterrupted or error-free access to our platforms

12. Limitation of Liability

To the fullest extent permitted by law, C137 Healthcare shall not be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, or investment value due to market conditions
• Damages arising from unauthorized access to your account
• Decisions made based on your own research or third-party information

Our liability is limited to the fees paid to us for services in the 12 months preceding any claim.

13. Indemnification

You agree to indemnify and hold harmless C137 Healthcare, its advisors, employees, and affiliates from any claims, losses, damages, liabilities, and expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Any false or misleading information you provide

14. Regulatory Compliance

C137 Healthcare is registered with the Securities and Exchange Commission (SEC) as a independent insurance agency. We comply with all applicable federal and state securities laws and regulations.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a new "Last Updated" date and, when appropriate, via email.

16. Termination

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

• You will receive a final account statement
• Pro-rated fees will be calculated for services provided
• We will assist with the orderly transfer of your assets if requested
• Our fiduciary duty continues through the termination process

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which our principal office is located, without regard to conflict of law provisions.

18. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through:

• Good faith negotiation between the parties
• If negotiation fails, binding arbitration in accordance with FINRA rules or the American Arbitration Association
• Arbitration shall be conducted in the state of our principal office

19. 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 so that the Terms shall otherwise remain in full force and effect.

20. Entire Agreement

These Terms, together with your advisory agreement and our Privacy Policy, constitute the entire agreement between you and C137 Healthcare regarding your use of our services and supersede all prior agreements and understandings.

21. Contact Information

If you have questions about these Terms of Service, please contact us:

C137 Healthcare, LLC
Email: info@c137healthcare.com
Phone: (555) 137-CARE
Website: c137healthcare.com

Important Notice Regarding SMS Notifications: C137 Healthcare uses SMS messaging exclusively for notifications such as appointment reminders, account alerts, and time-sensitive updates. We do NOT send marketing or promotional messages via SMS. All SMS communications comply with 10DLC regulations and TCPA guidelines. You may opt out at any time by replying STOP.