Last updated: July 31, 2026
These Terms of Use govern access to and use of AltaVidaSites and the Content, Tools, products, and services made available through them.
For purposes of these Terms:
“AVBrands” collectively means AltaVida Capital, AltaVida Unlimited, and AltaVida Offices.
“AltaVidaSites” collectively means:
“We,” “us,” and “our” refer to Debora T DiBiasie, doing business through the AVBrands, as applicable, and, where the context requires, authorized employees, contractors, agents, and service providers acting on our behalf.
“User,” “you,” and “your” refer to any person or organization accessing or using AltaVidaSites.
“Content” includes text, graphics, photographs, videos, audio, calculations, assessments, reports, checklists, forms, designs, software, databases, downloads, and other materials made available through AltaVidaSites.
“Tools” means assessments, calculators, questionnaires, applications, report generators, and related interactive features offered through AltaVidaSites.
AVBrands is a defined collective term used for convenience. AVBrands is not a separate legal entity or trade name.
By accessing or using AltaVidaSites, you acknowledge that you have read, understood, and agreed to these Terms and the policies incorporated into them.
If you do not agree to these Terms, do not use AltaVidaSites.
These Terms incorporate the following policies by reference:
Additional terms may apply to particular products, applications, downloads, appointments, licensed professional services, insurance transactions, referrals, affiliate relationships, promotions, memberships, subscriptions, purchases, or paid services.
If a separate written agreement or product-specific term conflicts with these Terms, the separate agreement or term controls only for the product, transaction, or service it expressly covers.
AltaVidaSites provide general educational information, organizational resources, research references, planning prompts, estimates, checklists, assessments, and links to official and independent third-party sources.
AltaVidaSites are intended to help users:
AltaVidaSites do not replace:
The AVBrands are privately operated brands. Neither the AVBrands nor AltaVidaSites is a government agency.
The AVBrands and AltaVidaSites are not affiliated with, endorsed by, sponsored by, approved by, or acting on behalf of:
References to government agencies, programs, forms, acronyms, trademarks, and official websites are provided solely for educational, identification, commentary, and research purposes.
Nothing on AltaVidaSites constitutes an official government statement, eligibility determination, benefit calculation, approval, election, enrollment, claim decision, or agency instruction.
Accessing AltaVidaSites or using their Content does not automatically create:
A professional relationship may arise only through a separate legally sufficient engagement that identifies the parties, scope of services, professional role, licensing, compensation, responsibilities, limitations, and termination rights, as applicable.
General email exchanges, automated reports, assessment results, contact forms, appointment requests, and introductory conversations do not by themselves create such a relationship.
You may use AltaVidaSites only if you:
If you use AltaVidaSites on behalf of a business, trust, estate, family member, employer, or other organization, you represent that you have lawful authority to do so.
We may restrict access when we reasonably believe that a user lacks legal capacity or authority, has provided materially inaccurate information, or is using AltaVidaSites unlawfully.
General financial-literacy materials may be used by families, parents, legal guardians, caregivers, and educators.
If we learn that personal information was submitted directly by a child under 13 without legally sufficient authorization, we may delete the information, restrict access to it, disable the associated account or submission, and take other appropriate steps to prevent further collection.
Certain family educational programs offered through the AVBrands, including NAMA’s Little Money Lab, may have supplemental privacy notices and program-specific terms.
Certain portions of AltaVidaSites may require an account, password, verification link, access code, or other authentication method.
When creating or using an account, you agree to:
You may not:
You are responsible for activity conducted through your account to the extent permitted by applicable law, except for activity caused by our own failure to maintain legally required safeguards.
We may require password resets, additional verification, temporary access restrictions, or account suspension when reasonably necessary to protect users, information, or AltaVidaSites.
An account does not create a permanent right to access any Tool, feature, Content, or service. Account suspension, termination, data access, and deletion remain subject to these Terms, our Privacy Policy, applicable product terms, and applicable law.
You are responsible for:
You must not rely solely on AltaVidaSites, Content, or Tools when making a material legal, tax, financial, retirement, insurance, healthcare, government-benefit, business, or estate-planning decision.
You remain responsible for filings, elections, applications, enrollments, claims, appeals, payments, transactions, and deadlines assigned to you under applicable law, program rules, contracts, or instructions.
Tools are educational planning aids and may rely on:
Tool outputs are not:
Labels such as “prepared,” “aligned,” “complete,” “priority,” or similar terms are educational classifications only. They do not establish eligibility, legal compliance, professional suitability, completion of official requirements, or the absence of additional issues.
You should independently verify every material result, assumption, calculation, and conclusion before relying on it or taking action.
Subject to these Terms, we grant you a limited, revocable, nonexclusive, and nontransferable license to:
This limited license does not transfer any ownership interest in AltaVidaSites, Content, Tools, databases, software, branding, or associated intellectual property.
Any use not expressly permitted by these Terms requires prior written authorization unless the use is otherwise protected by applicable law.
You may not use AltaVidaSites, Content, Tools, accounts, or related systems to:
We may investigate suspected violations, restrict access, preserve relevant records, and disclose information when reasonably necessary to comply with applicable law, valid legal process, court orders, subpoenas, regulatory requirements, or lawful government requests, subject to applicable privacy rights and protections.
AltaVidaSites and the original Content made available through them are owned by us, licensed to us, or otherwise lawfully used by us.
To the extent applicable, these materials may be protected by copyright, trademark, trade-dress, contract, database, unfair-competition, and other intellectual-property laws.
Protected materials may include:
Except for the limited rights expressly granted under these Terms, no license or right to use names, trademarks, logos, branded materials, protected Content, or other intellectual property associated with the AVBrands or AltaVidaSites is granted without prior written authorization.
Nothing in this Section claims ownership of government materials, public-domain materials, facts, ideas, systems, methods of operation, standard formulas, or independently owned third-party materials. We claim rights only to the extent that we own, license, or otherwise possess legally recognized rights in the applicable material.
You may print or save reasonable portions of publicly available Content for personal educational use, provided that you:
Educators, organizations, advisers, businesses, and other users must obtain written permission before reproducing or distributing substantial Content, branded resources, worksheets, reports, graphics, or downloads, except where the use is permitted by applicable law.
Sharing a link to a publicly available page within AltaVidaSites is permitted and encouraged. Copying an entire page or redistributing a complete downloadable resource is not permitted without authorization, except to the extent permitted by applicable law.
Government publications and independently owned third-party materials remain subject to applicable copyright, trademark, licensing, attribution, usage restrictions, and other legal protections.
We do not claim ownership of:
The inclusion of a government or third-party name, link, reference, logo, quotation, or resource does not by itself imply sponsorship, endorsement, partnership, affiliation, or approval.
If you believe that material available through AltaVidaSites infringes a copyright that you own or are authorized to enforce, you may send a written notice containing:
Send copyright notices to:
Copyright Contact: AltaVidaSites
Email: wealth@altavidacapital.com
Subject: copywrite complaints
We may remove, restrict, or temporarily disable access to disputed material while reviewing a copyright complaint.
Submitting a knowingly false or materially misleading copyright complaint may result in legal liability.
“User Submissions” include information, questions, comments, feedback, reviews, files, images, documents, questionnaire answers, form entries, and other materials submitted through or in connection with AltaVidaSites or Tools.
By submitting material, you represent that:
You retain any ownership rights you may have in your User Submissions.
By submitting material, you grant us limited, nonexclusive permission to host, store, process, reproduce, transmit, translate, format, display back to you, and otherwise use the submission only as reasonably necessary to:
Submission of information does not guarantee that we will review, retain, respond to, or act upon it unless expressly stated for the applicable Tool, service, or transaction.
We may reject, restrict, remove, or delete User Submissions that are inappropriate, unnecessary, unlawful, malicious, insecure, or outside the intended scope of AltaVidaSites or Tools, subject to our Privacy Policy, applicable law, and applicable retention requirements.
You may voluntarily provide ideas, suggestions, corrections, or general feedback concerning the AVBrands, AltaVidaSites, Content, or Tools.
Unless otherwise agreed in writing:
This permission does not authorize us to publicly disclose personal information contrary to our Privacy Policy or applicable law.
AltaVidaSites do not request or require users to submit highly sensitive or regulated information through ordinary forms, assessments, calculators, email, chat, social-media messaging, or other unsecured communication channels.
Do not submit:
Certain products, downloads, applications, reports, memberships, consultations, or services offered through or in connection with AltaVidaSites may require payment.
Before completing a direct purchase from us, users will be provided with applicable information concerning:
Users agree to provide accurate billing and transaction information and authorize the applicable payment processor to charge the selected payment method according to the disclosed transaction terms.
Complete payment-card information is intended to be processed by an independent payment processor rather than stored directly by us.
Prices, features, and availability may change prospectively. A change will not alter a completed transaction except as permitted by the applicable purchase terms and applicable law.
Purchases completed directly through an affiliate merchant or other independent third party are transactions between the user and that merchant. The merchant is responsible for pricing, payment processing, fulfillment, shipping, warranties, returns, refunds, customer service, and other transaction obligations under its own terms.
This Section does not govern insurance premiums, insurance contracts, or carrier transactions, which are subject to the applicable insurance contract, carrier requirements, and insurance law.
Refund and cancellation terms for purchases made directly from us will be stated on the applicable checkout page, order form, product-specific policy, or separate written agreement.
Unless a specific refund right is stated or required by applicable law:
If a paid product or service is defective, materially different from its description, unavailable, or not delivered, users should contact us using the information in Section 43.
Refunds and cancellations for affiliate-merchant purchases must be requested from the applicable merchant under its return and refund policies.
Insurance premiums, cancellations, rescissions, free-look rights, refunds, and policy values are governed by the applicable insurance contract, carrier procedures, required disclosures, and insurance law rather than this general refund provision.
Nothing in these Terms limits a nonwaivable refund, cancellation, rescission, or consumer-protection right provided by applicable law.
By providing contact information, requesting information, creating an account, completing a Tool, scheduling an appointment, making a purchase, or otherwise communicating electronically with us, you agree that we may send communications reasonably necessary to complete, confirm, secure, administer, or respond to that specific activity.
Transactional communications may include:
Marketing and promotional communications will be sent in accordance with applicable law and applicable consent requirements.
Providing an email address or telephone number for delivery of a requested Tool, report, account service, appointment, consultation, or transaction does not by itself constitute consent to receive unrelated marketing communications when separate consent is legally required.
Where an opt-out right applies, users may unsubscribe or revoke consent through:
Unsubscribing from marketing does not necessarily stop essential transactional, security, account, suppression-list, or legally required communications.
You are responsible for keeping your contact information current and reviewing spam, junk, or filtered folders for requested communications.
You agree that these Terms, incorporated policies, and communications relating to your use of AltaVidaSites may be provided electronically to the extent permitted by applicable law.
When an unchecked acceptance box is presented with links to applicable terms or policies, selecting that box and continuing constitutes the acknowledgment, authorization, or agreement stated beside the box.
Other electronic actions—such as selecting “Submit,” “Purchase,” “Create Account,” “Schedule,” or a similar button—constitute the action and acceptance expressly disclosed near that button.
Where applicable law requires additional consent or disclosures before a particular record may be provided electronically, we will obtain or provide them separately.
You should retain or download copies of Terms, policies, disclosures, receipts, and transaction records important to you.
Where legally required, electronically delivered records will be provided in a form capable of being retained.
If a legal right to withdraw consent to electronic delivery applies, the method and consequences of withdrawal will be disclosed. Withdrawal may affect access to a feature or service that reasonably requires electronic delivery.
Our collection, use, disclosure, retention, and protection of personal information through AltaVidaSites are described in our Privacy Policy and, where applicable, our Cookie Policy.
These Terms do not expand our right to collect, use, disclose, sell, share, or retain personal information beyond what is permitted by applicable law and described in the applicable privacy notices.
Users should review the Privacy Policy, Cookie Policy, and any product-specific privacy notice before submitting personal information or using a feature that collects information.
Information disclosed to an independent professional, business partner, carrier, agency, closer, affiliate merchant, or other recipient may also be governed by that recipient’s privacy notice and legal obligations.
We do not guarantee that AltaVidaSites, Content, or Tools will always be:
AltaVidaSites or Tools may be unavailable, delayed, limited, suspended, or interrupted because of:
Users should retain independent copies of important reports, calculations, records, documents, and other materials they may need.
Unless a separate written agreement or product-specific term states otherwise, AltaVidaSites and Tools are not intended to serve as permanent or archival document-storage services.
Nothing in this Section limits an obligation imposed by applicable law to maintain reasonable security procedures or protect personal information.
We may:
We are not required to keep prior versions of Content, Tools, features, or functionality publicly available unless a separate agreement or applicable law requires otherwise.
We may retain archived versions and related records for legal, compliance, security, operational, and recordkeeping purposes.
Changes to a Tool, assumption, formula, methodology, scoring method, or classification do not necessarily apply retroactively to previously generated results. A prior result reflects the Tool, information, and assumptions used when that result was generated unless expressly stated otherwise.
Material changes affecting paid services, subscriptions, pricing, renewals, or purchased features will be handled according to the applicable transaction terms and applicable law, including legally required notice, consent, cancellation, refund, or other rights.
We may suspend, restrict, or terminate access to some or all AltaVidaSites, Tools, accounts, Content, or services when reasonably necessary to:
When reasonably practicable and legally appropriate, we may provide notice of a suspension or termination affecting a registered account or paid service.
Suspension or termination does not grant a continuing right to access, copy, redistribute, commercially exploit, or otherwise use protected Content beyond rights that expressly survive under these Terms, applicable product terms, or applicable law.
Provisions that by their nature are intended to survive will remain effective, including provisions concerning:
Suspension or termination does not eliminate a nonwaivable refund, cancellation, account-access, data, or consumer-protection right available under applicable law or transaction terms.
Except as expressly provided in a separate written agreement or product-specific terms, and to the fullest extent permitted by applicable law, AltaVidaSites, Content, Tools, reports, downloads, and services made available through them are provided “as is” and “as available.”
To the fullest extent permitted by applicable law, we disclaim warranties that might otherwise apply, whether express, implied, or statutory, including warranties concerning:
We do not warrant that Content or Tool results will satisfy a user’s particular objectives, identify every relevant issue, remain current after laws or source information change, or produce a particular financial, insurance, benefits, business, or other outcome.
Nothing in this Section excludes, restricts, or modifies a warranty, statutory duty, consumer protection, or remedy that cannot legally be excluded, restricted, or modified.
Where applicable law does not permit a particular warranty exclusion, that exclusion applies only to the maximum extent permitted by law.
Warranties applicable to physical consumer goods, paid products, or separately contracted services are governed by the applicable product or service terms and applicable law.
To the fullest extent permitted by applicable law, we will not be liable for indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising from or relating to AltaVidaSites, Content, or Tools, including damages associated with:
Where liability cannot legally be excluded but may legally be limited, our total aggregate liability arising from or relating to a specific product, service, transaction, Tool, or event will not exceed the greater of:
For a claim arising solely from free Content or a free Tool, our total aggregate liability will not exceed $100, to the fullest extent permitted by applicable law.
The limitations in this Section apply regardless of the legal theory asserted, but only to the extent permitted by applicable law.
Nothing in these Terms excludes or limits liability for fraud, willful misconduct, violation of law, gross negligence where it cannot legally be limited, or any other liability that cannot lawfully be excluded or limited.
Nothing in this Section limits a nonwaivable consumer right or remedy.
To the extent permitted by applicable law, you agree to indemnify and hold harmless us and our authorized employees, contractors, agents, and service providers from third-party claims, liabilities, damages, judgments, losses, and reasonable costs to the extent caused by or resulting from:
This Section does not require you to assume or control our legal defense.
We may control the defense of a claim covered by this Section, and you agree to provide reasonable cooperation. Any obligation to reimburse defense costs is limited to reasonable costs associated with a claim properly within the scope of this indemnification provision and only to the extent permitted by applicable law.
This Section does not require you to indemnify any person for that person’s own fraud, willful misconduct, violation of law, gross negligence, or other conduct for which indemnification cannot lawfully be required.
Nothing in this Section limits a nonwaivable consumer right or remedy.
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where another law must apply.
Subject to nonwaivable rights and jurisdictional requirements, any legal proceeding arising from or relating to these Terms or general use of AltaVidaSites must be brought in a state or federal court having jurisdiction in San Diego County, California.
Each party consents to personal jurisdiction and venue in those courts to the extent that consent is legally effective.
Nothing in this Section prevents a user from:
Before filing a legal proceeding, a party should provide written notice describing the dispute and allow the other party 30 days to attempt an informal resolution, unless:
Dispute notices concerning these Terms may be sent using the contact information in Section 43.
These Terms do not require mandatory arbitration and do not contain a class-action waiver or jury-trial waiver.
If arbitration or another alternative dispute-resolution procedure is later proposed, it will not apply unless adopted through legally sufficient terms, notice, and assent.
AltaVidaSites are operated from the United States and are primarily intended for users located in the United States.
We do not represent that AltaVidaSites, Content, Tools, products, or services are appropriate, lawful, licensed, or available in every country or jurisdiction.
Access from another country does not establish that:
Users who access AltaVidaSites from outside the United States are responsible for complying with applicable local law.
Regulated insurance or other licensed services will be offered only through appropriately licensed professionals and only in jurisdictions where the activity is legally authorized.
We are not responsible for delay, interruption, or failure to perform caused by events beyond our reasonable control, including:
We will take commercially reasonable steps to resume affected operations when reasonably practicable.
This Section does not excuse payment obligations already incurred or any duty that cannot legally be excused.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent.
We may assign or transfer these Terms in connection with:
Any assignment or transfer remains subject to applicable law, privacy obligations, transaction terms, and nonwaivable user rights.
If any provision of these Terms is held invalid, unlawful, or unenforceable, that provision will be enforced to the greatest extent legally permitted.
If the invalid portion cannot be enforced, it will be severed, and the remaining provisions will continue in effect unless doing so would materially defeat the purpose of these Terms or applicable law requires a different result.
A failure or delay in enforcing a provision of these Terms does not waive the right to enforce that provision or another provision later.
A waiver is effective only when made in writing by an authorized representative and applies only to the particular matter expressly identified.
Section headings are provided for convenience and organization only. They do not limit, expand, or otherwise alter the meaning of these Terms.
These Terms and the policies incorporated by reference constitute the entire agreement concerning general access to and use of AltaVidaSites, Content, and Tools.
They do not replace a separate written agreement or product-specific terms governing:
A separate agreement controls only for the product, service, transaction, or relationship it expressly covers.
We may revise these Terms to reflect changes in:
The updated version will display a revised “Last updated” date.
For material changes affecting registered users, paid services, subscriptions, or existing transactions, additional notice will be provided when reasonably appropriate or legally required.
Continued use after the effective date of revised Terms constitutes acceptance only to the extent permitted by applicable law.
Where affirmative renewed consent is legally required, we will request it separately.
Questions, notices, and concerns regarding these Terms may be directed to:
AltaVidaSites
Operated by: Debora T DiBiasie, doing business through the AVBrands
Email: wealth@altavidacapital.com
Copyright complaints should include the information required by Section 15.
Dispute notices should include sufficient information to identify the sender, describe the dispute, and explain the requested resolution. Do not include unnecessary sensitive information in ordinary email.
Contacting the AVBrands or AltaVidaSites does not create a professional relationship or extend a government, legal, insurance, tax, claim, appeal, enrollment, application, or filing deadline.
Acknowledgment
By accessing or using AltaVidaSites, you acknowledge that: