This website www.paradigmlife.net (the “Site”) is created, controlled and published by Paradigm Life Insurance, LLC, and its affiliates (collectively, “Paradigm Life”). Paradigm Life provides programs and services (collectively, the “Services”) for your personal non-commercial use only and subject to your compliance with this Terms and Conditions of Use Agreement (the “Agreement”). This Agreement sets forth Paradigm Life’s policies with respect to its operation of the Services.

BY USING THE SERVICES, YOU A RE REPRESENTING AND WARRANTING THAT: (A) YOU ARE A LEGAL RESIDENT OF THE UNITED STATES; (B) YOU ARE EITHER (I) AT OR ABOVE THE LEGAL AGE OF MAJORITY IN YOUR JURISDICTION OF RESIDENCE; (C) YOU OWN OR HAVE SUFFICIENT AUTHORIZATION TO USE THE COMPUTER, MOBILE DEVICE, TECHNOLOGY OR OTHER DEVICE YOU USE TO ACCESS THE SERVICES (COLLECTIVELY, “DEVICE”); AND (D) YOU WILL ACCESS AND USE THE SERVICES IN ACCORDANCE WITH THIS AGREEMENT.

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE USING THE SERVICES. YOUR USE OF ANY PART OF THE SERVICES CONSTITUTES YOUR ACCEPTANCE TO BE BOUND BY THIS AGREEMENT. IF AT ANY TIME YOU DO NOT ACCEPT ALL THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU MUST IMMEDIATELY DISCONTINUE USE OF THE SERVICES.

Paradigm Life Insurance, LLC is a Utah Limited Liability Company brokering various life insurance products and services offered by a multitude of companies. Unless otherwise indicated, the products and services are available for the U.S. only and not all products or services are available in all locations.

Certain programs or features offered by the Services, and certain areas within this and/or other Services may be governed by additional terms (“Additional Terms”) presented in conjunction with those Services. You must agree to those Additional Terms before using those Services or areas. The Additional Terms and this Agreement, taken together, shall apply to your use of those areas or the Services. If there is an inconsistency between the Additional Terms and this Agreement, the Additional Terms shall control.

The Hierarchy of Wealth™ ("Application") is provided by [Paradigm Life] ("Company").

The information in the Application is provided for informational and educational purposes only. The information is not intended to be and does not constitute financial advice or any other advice.

Your use of the Application is at your sole risk. The Application is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind from the Company.

If you make an investment decision solely based on the information in the Application, it is done at your own risk. You should consult with a competent financial professional before making any financial decisions.

The Company does not endorse, affirm, or guarantee the accuracy or reliability of any information the Application provides. We disclaim all warranties, express or implied, as to the accuracy, legality, reliability, or validity of any information the Application provides.

Remember that investing involves risks, including the potential loss of principal. The Application does not guarantee the performance of any particular investment or portfolio. The Hierarchy of Wealth™ is a tool to assist in understanding the potential risks and rewards of various investment options. It does not guarantee financial success or protection against loss.

Always seek the advice of a competent financial advisor or other qualified financial service provider with any questions you may have regarding your personal financial planning. Never disregard professional financial advice or delay in seeking it because of something you have read on the Application.

Your use of the Application constitutes acceptance of this disclaimer. The Company reserves the right to modify these terms and conditions at any time without notice. By using the Application after any such change, you agree to comply with, and be bound by, the terms as changed.