Terms & Conditions

Effective Date: August 6, 2026

These Terms and Conditions govern your access to and use of bethjanuzziunderhill.com, including its content, forms, resources, and related services.

By accessing or using this website, you agree to these Terms and Conditions. If you do not agree with them, please do not use the website.

For purposes of these terms, “Beth Januzzi Underhill,” “we,” “us,” and “our” refer to Beth Januzzi Underhill and the business operating this website. “You” and “your” refer to any visitor or user of the website.

1. Purpose of This Website

This website provides general information about Beth Januzzi Underhill, The Legacy Loop, Family Banking, self-financed capital, wealth-building strategies, private advisory services, workshops, speaking engagements, and potential investment-related opportunities.

The website is intended for educational and informational purposes. It is not intended to replace personalized professional advice.

2. Acceptance of These Terms

By accessing the website, submitting a form, downloading a resource, or otherwise interacting with the website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

Electronic contracts and records may be legally recognized under applicable law, including Ohio law.

You must be at least 18 years old and legally capable of entering into an agreement to use any feature of the website that requires you to submit personal information, request services, or inquire about an opportunity.

3. Educational Information Only

Content on this website is provided for general educational and informational purposes only.

Nothing on the website constitutes:

Financial advice
Investment advice
Legal advice
Tax or accounting advice
Estate-planning advice
Lending advice
Insurance advice tailored to your circumstances
A recommendation to purchase or sell a security, insurance product, real estate interest, or other financial product

You should consult appropriately licensed financial, investment, legal, tax, accounting, insurance, and other professionals before making decisions based on your individual circumstances.

4. No Professional or Fiduciary Relationship

Your use of the website, submission of a form, attendance at a general workshop, or receipt of educational material does not create an advisory, fiduciary, attorney-client, accountant-client, insurance-client, lending, brokerage, partnership, agency, or other professional relationship.

A professional relationship will only arise if you and the appropriate individual or business enter into a separate written agreement that clearly defines the scope and terms of that relationship.

5. Investment and Securities Disclaimer

Nothing on this website constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation regarding any security or investment.

Any investment opportunity will be offered only through the applicable formal offering documents and in accordance with relevant securities laws. Those documents will control if they conflict with anything presented on this website.

Investment opportunities may be available only to eligible investors and may involve verification of accredited-investor status or other qualifications. Under certain securities exemptions, general solicitation is permitted only when specific conditions are met, while other exemptions restrict public advertising and solicitation.

You should not interpret any reference to a past or current project as an invitation to invest.

6. Investment Risk

All investments involve risk, including the possible loss of some or all invested capital.

Past performance does not guarantee future results. Projections, forecasts, estimates, targeted returns, illustrations, and examples are inherently uncertain and may not be achieved.

Before investing, you should independently evaluate:

Your financial circumstances
Your investment objectives
Your liquidity needs
Your time horizon
Your tolerance for risk
The specific risks and terms of the opportunity

The U.S. Securities and Exchange Commission advises investors to assess their goals and risk tolerance before making investment decisions and notes that returns are never guaranteed.

7. Insurance Information

Beth Januzzi Underhill may provide general education regarding insurance-backed strategies and related financial concepts in her capacity as a licensed insurance professional.

Any insurance product recommendation will depend on factors such as your age, health, financial position, goals, insurability, state of residence, product availability, and underwriting.

Insurance products may involve fees, costs, limitations, exclusions, surrender charges, loan interest, and tax considerations. Policy performance may differ from illustrations, and access to policy value may affect benefits or cause a policy to lapse.

No insurance coverage is created through the website. Coverage only becomes effective according to the terms of an issued policy and the applicable insurer’s requirements.

8. Self-Financed Capital and Family Banking

References to self-financed capital, Family Banking, private family banking, recapturing interest, accessing capital, or related strategies describe educational concepts and possible financial structures.

They do not guarantee that:

You will eliminate the need for outside financing
You will qualify for a particular insurance policy, loan, or investment
Your money will grow at a particular rate
You will generate dependable cash flow
You will avoid taxes, fees, interest, losses, or financial hardship
Any strategy will be suitable for your circumstances

Results depend on individual behavior, funding levels, product design, costs, repayment practices, market conditions, tax treatment, and other factors.

9. No Guarantee of Results

Testimonials, case studies, portfolio examples, project descriptions, and personal stories may illustrate individual experiences. They do not guarantee that you will achieve the same or similar results.

Your outcomes will depend on many factors outside our control, including your decisions, financial position, execution, market conditions, economic events, financing terms, and professional guidance.

Any statements regarding potential outcomes are expressions of opinion, expectation, or educational illustration rather than promises.

10. Accuracy and Availability of Information

We aim to provide useful and accurate information, but we do not guarantee that all website content is complete, current, accurate, or suitable for every purpose.

Financial, legal, insurance, tax, investment, and regulatory information can change. Website content may not reflect the latest developments.

We may update, correct, remove, suspend, or discontinue any content or website feature at any time without notice.

11. User Responsibilities

You agree to use the website only for lawful purposes.

You may not:

Use the website in a way that violates any law or regulation
Submit false, misleading, fraudulent, or impersonated information
Attempt to gain unauthorized access to the website or related systems
Introduce viruses, malware, harmful code, or disruptive technology
Scrape, harvest, copy, or systematically extract website content or user information
Interfere with the website’s functionality, security, or availability
Use website content to mislead others
Present yourself as affiliated with Beth Januzzi Underhill without written permission
Use the website to promote unlawful, abusive, defamatory, or infringing material

We may limit or terminate access for conduct that violates these terms or threatens the website, its users, or its operators.

12. Forms and Communications

When you submit information through a contact, application, subscription, workshop, speaking, or investment-interest form, you agree that the information you provide is accurate to the best of your knowledge.

Submitting a form does not guarantee:

Acceptance as a client
Access to an investment opportunity
Eligibility for an insurance product
Approval for financing
A response within a particular period
A meeting or professional engagement

You agree not to submit Social Security numbers, banking credentials, medical records, tax documents, account passwords, or other highly sensitive information through a general website form.

13. Email and Electronic Communications

By submitting your contact information, you consent to receive communications related to your inquiry.

You will receive marketing emails only when permitted by applicable law or when you have requested or consented to them. You may unsubscribe from marketing communications using the link provided in an email.

Electronic communications may not always be secure, immediate, or error-free. You should not rely on email for urgent instructions, financial transactions, policy changes, investment commitments, or the delivery of sensitive information.

14. Intellectual Property

Unless otherwise stated, all website content is owned by or licensed to Beth Januzzi Underhill and is protected by applicable intellectual-property laws.

This includes:

Written copy
The Legacy Loop framework
Graphics and illustrations
Logos and branding
Videos and photographs
Downloads, worksheets, and educational resources
Workshop and speaking materials
Page design and layout

You may view and use website content for personal, noncommercial purposes.

You may not reproduce, modify, republish, distribute, sell, license, display, teach from, or commercially exploit website content without prior written permission.

Downloading or sharing a resource does not transfer ownership of the intellectual property contained in it.

15. The Legacy Loop and Other Brand Assets

“The Legacy Loop,” associated framework language, course materials, diagrams, processes, and educational tools are proprietary brand assets.

You may not use these materials to create a competing service, workshop, course, presentation, publication, coaching program, or financial framework without written authorization.

Nothing in these terms grants a license to use Beth Januzzi Underhill’s name, image, likeness, trademarks, service marks, business names, logos, or branding.

16. User-Submitted Content

When you voluntarily submit a testimonial, comment, review, photograph, success story, or other content, you represent that:

You have the right to submit it
It is accurate and lawful
It does not violate another person’s privacy, intellectual property, or contractual rights

We will not publicly use your name, image, testimonial, or personal story for promotional purposes without any consent required by applicable law.

Nothing in these terms restricts your right to leave an honest review. Federal law prohibits standardized contract terms that punish or restrict honest consumer reviews.

17. Third-Party Links and Services

The website may contain links to third-party websites, platforms, scheduling services, social media accounts, investment resources, insurers, lenders, service providers, or other external materials.

These links are provided for convenience only.

We do not control and are not responsible for:

Third-party content
Privacy practices
Security
Availability
Products or services
Statements, promises, or representations
Transactions conducted through external platforms

Your use of a third-party website is governed by that provider’s terms and policies.

18. Affiliate and Referral Relationships

Beth Januzzi Underhill may have business, referral, sponsorship, investment, ownership, or compensation relationships with certain companies, projects, service providers, or opportunities discussed on the website.

Where disclosure is legally required to prevent a communication from being misleading, we will aim to provide a clear and conspicuous disclosure. The Federal Trade Commission requires material disclosures to be presented clearly when needed to prevent deceptive advertising.

A referral, mention, or link does not guarantee the quality, suitability, performance, or availability of a third party’s service or product.

19. Workshops, Speaking, and Advisory Services

Website descriptions of private advisory services, workshops, speaking engagements, or other services are general summaries only.

The scope, pricing, scheduling, deliverables, payment terms, cancellation policy, intellectual-property rights, confidentiality obligations, and other conditions will be addressed in a separate written agreement.

If there is a conflict between these website terms and a signed service agreement, the signed agreement will govern the services covered by it.

20. Privacy

Your use of the website is also subject to our Privacy Policy, which explains how personal information may be collected, used, stored, and shared.

You should review the Privacy Policy before submitting personal information.

21. Website Security

You are responsible for taking reasonable steps to protect your devices, accounts, and internet connection.

Although we use reasonable safeguards, we cannot guarantee that the website, its servers, electronic communications, downloads, or linked services will be free from viruses, malicious code, interception, or unauthorized access.

Use of the website is at your own risk.

22. Disclaimer of Warranties

To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis.

We disclaim all express and implied warranties, including warranties of:

Accuracy
Completeness
Availability
Reliability
Merchantability
Fitness for a particular purpose
Noninfringement
Compatibility
Security
Results

We do not warrant that the website will operate continuously, without error, or without harmful components.

Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.

23. Limitation of Liability

To the fullest extent permitted by law, Beth Januzzi Underhill and any affiliated businesses, officers, employees, contractors, agents, partners, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:

Your use of or inability to use the website
Reliance on website content
Investment, financial, insurance, lending, tax, legal, or business decisions
Loss of profits, revenue, data, opportunity, or goodwill
Third-party websites or services
Unauthorized access, security incidents, interruptions, or technical failures

Where liability cannot legally be excluded, total liability arising from your use of the public website will be limited to the greater of the amount you paid specifically to access the website during the preceding 12 months or $100.

This limitation does not apply where liability cannot be limited under applicable law.

24. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Beth Januzzi Underhill and any affiliated businesses, officers, employees, contractors, agents, and service providers from claims, liabilities, losses, damages, judgments, expenses, and reasonable legal fees arising from:

Your unlawful or unauthorized use of the website
Your violation of these terms
Information or content you submit
Your infringement of another party’s rights
Fraudulent, abusive, or harmful conduct

This provision does not require you to indemnify any party for conduct for which indemnification is prohibited by law.

25. Governing Law

These Terms and Conditions are governed by the laws of the State of Ohio, without regard to conflict-of-law principles.

Subject to any applicable consumer rights that cannot legally be waived, disputes relating to the website or these terms will be brought in the state or federal courts located in or serving Hamilton County, Ohio, and you consent to the jurisdiction of those courts.

26. Informal Dispute Resolution

Before filing a legal claim relating to the website, you agree to contact us and provide a reasonable opportunity to resolve the issue informally.

Your notice should include:

Your name and contact information
A description of the issue
The relevant dates and communications
The resolution you are requesting

Nothing in this section prevents either party from seeking urgent injunctive relief where necessary to prevent immediate harm.

27. International Users

The website is operated from the United States.

We do not represent that the website or its content is appropriate, lawful, licensed, or available in every jurisdiction.

You are responsible for complying with the laws applicable where you access the website. Nothing in these terms limits any mandatory consumer rights that apply to you and cannot legally be waived.

28. Changes to These Terms

We may revise these Terms and Conditions to reflect changes in the website, services, business practices, or applicable law.

Updated terms will be posted on this page with a revised effective date.

Material changes will apply prospectively unless applicable law permits otherwise. The Federal Trade Commission has cautioned businesses that quietly imposing material changes to online terms may be unfair or deceptive in some circumstances.

Your continued use of the website after revised terms become effective constitutes acceptance of those revised terms.

29. Severability

If any part of these terms is found unenforceable, unlawful, or invalid, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will remain in effect.

30. No Waiver

Failure to enforce any provision of these terms does not waive the right to enforce it later.

A waiver is effective only if it is in writing and signed by the party granting it.

31. Entire Agreement

These Terms and Conditions, together with the Privacy Policy and any additional policies expressly incorporated by reference, constitute the entire agreement concerning your use of the public website.

Separate signed agreements will govern advisory services, insurance transactions, workshops, speaking engagements, financing arrangements, and investment opportunities.

32. Contact Information

Questions about these Terms and Conditions may be sent to:

Beth Januzzi Underhill
Cincinnati, Ohio, United States
Email: beth@investingwithbeth.com
Website: bethjanuzziunderhill.com