Life Planning 4 Special Needs
Back to Checklist

Terms of Service

Life Planning 4 Special Needs  ·  Effective Date: May 20, 2026

Table of Contents

  1. 1. Acceptance of Terms
  2. 2. Description of Services
  3. 3. Educational Purposes Only — Not Professional Advice
  4. 4. Email & SMS Communications
  5. 5. Intellectual Property
  6. 6. Third-Party Links & Services
  7. 7. Disclaimers & Warranties
  8. 8. Limitation of Liability
  9. 9. Indemnification
  10. 10. Governing Law & Dispute Resolution
  11. 11. Severability
  12. 12. Entire Agreement
  13. 13. Contact Us

1. Acceptance of Terms

By accessing or using checklist.lp4sn.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access or use the Site. We reserve the right to update these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

2. Description of Services

Life Planning 4 Special Needs, operated by Brian Stephens ("we," "us," or "our"), provides this Site as an educational resource for parents, guardians, and caregivers of individuals who may qualify for a Dual Eligible Special Needs Plan (D-SNP). The Site offers: • A free downloadable D-SNP Eligibility Checklist. • Educational content about Medicare, Medicaid, and D-SNP enrollment. • The ability to subscribe to email and/or SMS communications. • Access to schedule a free discovery call with Brian Stephens. We are not a government agency and are not affiliated with the Social Security Administration, Centers for Medicare & Medicaid Services (CMS), or any state Medicaid agency.

3. Educational Purposes Only — Not Professional Advice

All content on this Site, including the D-SNP Eligibility Checklist, newsletter communications, and SMS alerts, is provided for educational and informational purposes only. Nothing on this Site constitutes: • Legal advice • Financial or investment advice • Tax advice • Medical advice • Insurance advice Eligibility for D-SNPs, Medicare, and Medicaid is determined by the Social Security Administration and your state Medicaid agency based on your individual circumstances. Rules and income thresholds vary by state and are subject to change. Always consult a qualified licensed professional — including a licensed insurance agent, attorney, or financial advisor — before making any enrollment, financial, or legal decisions. Brian Stephens is a licensed insurance professional; any discussion of specific products or plans constitutes a sales presentation and is subject to applicable state insurance regulations.

4. Email & SMS Communications

By submitting the opt-in form on this Site, you agree to receive communications from Life Planning 4 Special Needs as follows: Email Communications: By checking the email consent box, you consent to receive the requested checklist and related educational email communications. You may unsubscribe at any time by clicking the "Unsubscribe" link in any email. We comply with the CAN-SPAM Act. SMS Text Messages: By checking the SMS consent box and providing your mobile number, you provide express written consent under the Telephone Consumer Protection Act (TCPA) to receive recurring automated marketing text messages. Message and data rates may apply. Reply STOP to opt out at any time. Consent is not a condition of any purchase or service. We will not sell, rent, or share your contact information with third parties for their own marketing purposes.

5. Intellectual Property

All content on this Site — including but not limited to text, graphics, logos, images, the D-SNP Eligibility Checklist PDF, and the overall design — is the property of Life Planning 4 Special Needs or its content suppliers and is protected by applicable copyright and intellectual property laws. You may download and print a single copy of the D-SNP Eligibility Checklist for your personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Site without our prior written permission.

6. Third-Party Links & Services

The Site may contain links to third-party websites and services, including Calendly for appointment scheduling and Google services for data processing. These links are provided for your convenience only. We have no control over the content, privacy practices, or terms of third-party sites and accept no responsibility for them. Accessing third-party sites is at your own risk, and we encourage you to review their terms and privacy policies before providing any personal information.

7. Disclaimers & Warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We do not warrant that: • The Site will be uninterrupted, error-free, or secure. • The information on the Site is complete, accurate, or current. • Any particular individual will qualify for a D-SNP or any other government benefit program. Eligibility determinations are made solely by government agencies based on your individual circumstances.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LIFE PLANNING 4 SPECIAL NEEDS AND BRIAN STEPHENS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR RELIANCE ON ANY CONTENT HEREIN, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Our total liability to you for any claim arising out of or relating to these Terms or the Site shall not exceed $100. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless Life Planning 4 Special Needs, Brian Stephens, and their respective agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of another party.

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Pasco County, Florida, and you consent to the personal jurisdiction of such courts.

11. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Life Planning 4 Special Needs regarding your use of the Site and supersede all prior agreements, understandings, and representations relating to the same subject matter.

13. Contact Us

If you have any questions about these Terms of Service, please contact us: Brian Stephens, Financial Advisor Life Planning 4 Special Needs 10711 Old Sycamore Loop Land O Lakes, FL 34638 Phone: (352) 741-9721 Email: [email protected]
Life Planning 4 Special Needs

© 2026 Life Planning 4 Special Needs. All rights reserved.

Privacy Policy · Terms of Service

Life Planning 4 Special Needs · Brian Stephens, Financial Advisor · (352) 741-9721 · 10711 Old Sycamore Loop, Land O Lakes, FL 34638 · [email protected]

Call Us: (352) 741-9721