Low Income Planning Terms & Conditions

The Site provides users with an opportunity to apply for products and/or services (“Services”) offered by Low Income Planning’s partner service providers (the “Partner Service Providers”). Please be advised that Low Income Planning does not itself provide services, and the ultimate terms and conditions of any product or service provided by its Partner Service Providers will be determined by those Partner Service Providers.

The information that you supply on the Site includes, but is not limited to: (a) your first name; (b) your last name; (c) your email address; (d) your telephone number; (e) ZIP code; and (f) any other information requested in a web form contained on the Site (collectively, the “Site Registration Data”). Low Income Planning’s use of the Site Registration Data shall be governed by the Privacy Policy.

Upon entering your Site Registration Data and clicking on the applicable submission button, you may be redirected to the Site of a Third Party Service Provider. Low Income Planning may also transfer your Site Registration Data to its Third Party Service Providers in connection with facilitating your Services application.

By clicking the Get Started button on the Site, you adopt such as your electronic signature, and consent and agree that: Low Income Planning may provide you with electronic communications and disclosures via email, by making them accessible on this Site or other website designated by Low Income Planning; and your electronic signature on agreements and documents has the same effect as if you signed them in writing.

You may withdraw your consent to receive electronic Communications at any time by contacting us at info@lowincomeplanning.com.

The Agreement shall be governed by and construed in accordance with the laws of the State of New York (without regard to conflict of law principles). In the event of any dispute arising under or related to the Site, Services, or terms and conditions of the Agreement, the parties agree to exclusively submit their dispute for resolution by binding arbitration before the American Arbitration Association in accordance with the then current Commercial Arbitration rules of the American Arbitration Association (“AAA”).

To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit or class wide arbitration as to any claim, dispute or controversy that you may have against Low Income Planning.

You may opt-out of these dispute resolution provisions by providing written notice of your decision within thirty (30) days of the date that you first access the Site.

These Terms apply to text messaging opt-ins for the lowincomeplanning.com text messaging program. Our SMS campaign may inform subscribers regarding customer care, account notifications, opt-in/opt-out confirmations and service updates. Message frequency varies. SMS messaging is available through most major U.S. carriers, including but not limited to AT&T, Verizon, T-Mobile, and Sprint. Carrier support may vary. Contact your carrier for details on SMS availability and rates. Carriers are not liable for delayed or undelivered messages.

Mobile subscribers’ phone numbers will NEVER be shared or sold to third parties.

Opting-In to the Service

Enrollment in the Service requires you to provide your mobile phone number and agree to these terms and conditions. Note that you are not permitted to enroll if you are under 18 years of age. Before the Service starts, you will need to agree to these terms. lowincomeplanning.com reserves the right to stop offering the Service at any time, with or without notice.

By opting into the Service, you:

• Acknowledge that you do not have to agree to receive messages as a condition of purchase.
• Confirm that you are the subscriber to the phone number submitted for opt-in and that you are authorized to opt in.
• Consent to the use of an electronic record to document your opt-in.

Message Frequency

Once you affirm your choice to opt in to the Service, your message frequency may vary.

Charges and Carriers

Message and data rates may apply. Please consult your service agreement or contact your wireless carrier to determine your phone’s pricing plan and the charges for sending and receiving text messages. You acknowledge that you are responsible for any message, data, or other costs incurred (such as usage and subscription plan) as a result of using the Service. The Service may not be available on all wireless carriers. lowincomeplanning.com may add or remove any wireless carrier from the Service at any time without notice.

Stopping Service

To stop receiving text messages from lowincomeplanning.com, text the word STOP to any of the text messages you have received. This is the required method for opting out as listed in your message. You acknowledge that the text message platform may not recognize and respond to unsubscribe requests that do not include the STOP keyword command and agree that lowincomeplanning.com and its service providers will have no liability for failing to honor such requests. After opting out, you will receive a one-time confirmation message and no further SMS messages will be sent to you unless you opt back in to the Service.

Getting Help

Reply HELP to any SMS message for assistance. You may also contact us directly at:

• Email: info@lowincomeplanning.com
• Phone: 516-550-8274
• Address: 1000 Woodbury Road, Suite 302, Woodbury, NY 11797