Last updated: July 31, 2026
Please read this Legal Disclaimer carefully before using AltaVidaSites, including their articles, assessments, calculators, checklists, reports, downloads, videos, email materials, applications, and other resources.
By accessing or using AltaVidaSites, you acknowledge that you have read and understood this Legal Disclaimer.
For purposes of this Legal Disclaimer:
“AVBrand” refers to the applicable public-facing brand, including AltaVida Capital, AltaVida Unlimited and AltaVida Offices.
“AltaVidaSites” means:
AltaVidaSites also includes their subdomains, applications, calculators, assessments, portals, forms, reports, downloads, email materials, videos, articles and other digital resources operated through an AVBrand.
“Content” means educational, informational, promotional, visual, audio, interactive or downloadable material published through AltaVidaSites.
“We,” “us” and “our” refer to Debora T DiBiasie, doing business through the applicable AVBrand.
This Legal Disclaimer applies to all AltaVidaSites unless a particular product, service, application, transaction or written agreement expressly provides different or additional terms.
We provide general educational information, organizational resources, planning prompts, estimates, assessments, calculators, checklists and links to third-party resources through AltaVidaSites.
AltaVidaSites are intended to help users:
AltaVidaSites are not a substitute for official government guidance, individualized professional advice, formal case analysis or direct confirmation from the agency, plan administrator, carrier, employer, attorney, accountant, healthcare provider or other professional responsible for the matter.
Names, acronyms, forms, program names, trademarks, and agency links are used solely for identification, education, commentary, and reference.
Nothing on AltaVidaSites constitutes an official agency determination, instruction, approval, calculation, eligibility decision, benefits estimate, or statement of government policy.
Unless expressly stated in a separate written agreement signed by an authorized representative, use of AltaVidaSites does not mean that we will:
Users remain solely responsible for contacting the appropriate agency, confirming current requirements, submitting accurate and complete information, retaining documentation, meeting deadlines, and obtaining professional assistance when needed.
Content available through AltaVidaSites is provided for general educational purposes and does not constitute legal advice.
Use of AltaVidaSites, completion of a form, submission of an assessment, receipt of an email, or participation in a general discussion does not create an attorney-client relationship.
Users should consult an appropriately licensed attorney concerning their particular circumstances.
Content available through AltaVidaSites does not constitute individualized tax, accounting, or tax-return preparation advice.
Tax treatment may depend on facts not collected or evaluated through AltaVidaSites, including:
Users should verify tax consequences with a qualified tax professional before completing a transaction, election, withdrawal, rollover, conversion, transfer, filing, or other tax-sensitive action.
AltaVidaSites do not provide individualized investment advice, securities recommendations, investment-management services or fiduciary advice.
References to investments, retirement accounts, TSP funds, IRAs, Roth conversions, cash-value life insurance, annuities, real estate, trusts, or other financial strategies are educational and do not constitute a recommendation to buy, sell, hold, exchange, transfer, surrender, replace, or allocate any asset or financial product.
Nothing available through AltaVidaSites guarantees:
Users should consult appropriately licensed financial, investment, tax, and legal professionals before acting.
Insurance-related Content available through AltaVidaSites is general and educational.
No insurance coverage is created, issued, bound, modified, replaced, or guaranteed through:
Insurance products and services, when available, may be offered only through appropriately licensed individuals and only in jurisdictions where they are legally authorized to conduct business.
Product availability, underwriting, premiums, benefits, exclusions, limitations, surrender values, guarantees, tax treatment, and suitability vary by carrier, contract, jurisdiction, age, health, financial circumstances, and other factors.
An insurance application is subject to carrier review, underwriting, approval, payment of required premium, delivery requirements, and the terms of the issued contract.
We or appropriately licensed professionals with whom we work may receive commissions or other compensation in connection with insurance products or services where permitted by applicable law.
Any material role, relationship, licensing status or compensation disclosure applicable to a specific transaction will be provided as required by applicable law.
References available through AltaVidaSites to TRICARE, Medicare, healthcare coverage, disability, long-term care, medical retirement, health conditions, or insurance eligibility are educational only.
Content available through AltaVidaSites does not constitute:
Users should consult the appropriate healthcare provider, insurer, plan administrator, government agency, or licensed professional.
AltaVidaSites do not provide emergency services. Anyone experiencing a medical or other emergency should contact the appropriate emergency service immediately.
Calculators, assessments, scores, reports, projections and similar interactive resources available through AltaVidaSites are educational planning aids and are collectively referred to as “Tools.”
Results may be based on:
Results are not official benefit calculations, account statements, insurance illustrations, tax projections, legal determinations, investment recommendations, actuarial opinions, or guarantees.
A score, classification, or result indicating that an area appears “aligned,” “prepared,” “complete,” or similar does not establish that all requirements have been satisfied or that no further review is necessary.
Users must verify all calculations and conclusions independently before acting.
The Tools cannot evaluate facts that users do not provide or that the Tools are not designed to collect.
Users are responsible for:
We are not responsible for results affected by inaccurate, incomplete, ambiguous, outdated, or incorrectly entered information.
Government benefits, insurance, retirement elections, healthcare enrollment, claims, appeals, beneficiary changes, tax filings, and legal rights may be subject to strict deadlines.
We do not undertake a duty to:
Users should not delay a filing, election, enrollment, claim, appeal, premium payment, record correction, or other time-sensitive action while waiting for information or a response from us.
Deadlines must be confirmed directly with the responsible agency, carrier, plan administrator, employer, attorney, or other authoritative source.
We use reasonable efforts to research, review, cite and update educational Content available through AltaVidaSites. However, we cannot guarantee that all information will always be:
Laws, regulations, government guidance, administrative procedures, forms, websites, program names, eligibility rules, tax treatment, interest rates, premiums, costs, benefit amounts, and agency interpretations may change without notice.
Government agencies may also provide inconsistent, incomplete, delayed, or case-specific information.
A “last reviewed” date indicates when the applicable Content was reviewed. It does not guarantee that no change occurred afterward.
We may revise, correct, remove or update Content at any time, but do not undertake a legal duty to monitor or update every page continuously.
Links and citations to government or other authoritative sources available through AltaVidaSites are provided to help users conduct independent research.
Users should:
A citation does not guarantee that a source addresses every exception or circumstance relevant to a particular user.
AltaVidaSites may link to third-party websites, government portals, calculators, software, financial institutions, insurers, agencies, service providers, or other resources.
We do not control third-party websites and are not responsible for their:
A link does not necessarily constitute endorsement, sponsorship, recommendation, or verification.
Users access third-party resources at their own discretion and are subject to the third party’s policies and terms.
We use augmented intelligence and other machine-assisted technologies to support research, drafting, organization, review, calculation, transcription, formatting and delivery of educational materials. These technologies may include systems commonly referred to as artificial intelligence or AI.
Machine-assisted and AI-assisted Content may contain errors, omissions, outdated information, incorrect assumptions, inaccurate calculations, fabricated citations, misleading wording or visual defects.
Educational Content remains subject to human direction, review and editing, but human review does not guarantee that every error will be identified.
Users must independently verify material information before relying on it.
Use of augmented-intelligence, machine-assisted or AI-assisted Content does not transfer responsibility for a user’s decisions or actions to us. To the fullest extent permitted by applicable law, we are not responsible for losses, damages, missed opportunities, adverse outcomes or other consequences resulting from reliance on such Content without appropriate independent verification or professional review.
We do not guarantee that use of AltaVidaSites, Tools, or any related resource will produce:
Examples, illustrations, testimonials, case studies, hypothetical scenarios, and sample outcomes are not promises that another user will obtain the same or similar result.
Individual outcomes vary.
Users remain responsible for their own decisions and actions, including whether and how they rely on information, calculations, examples, assessments, reports, or other materials provided through AltaVidaSites.
Accessing AltaVidaSites, completing a form, downloading information, using a Tool, receiving an automated report, subscribing to email or communicating generally with us does not, by itself, create:
A professional relationship may arise only through a separate written agreement or other legally sufficient engagement that clearly identifies:
Users should not submit highly sensitive information through forms available on AltaVidaSites, ordinary email, chat or other unsecured channels unless specifically requested through an approved secure process.
Do not send items such as:
We may delete unsolicited sensitive information and, to the fullest extent permitted by applicable law, are not responsible for consequences resulting from a user voluntarily transmitting sensitive information through an inappropriate or unsecured channel.
To the fullest extent permitted by applicable law, AltaVidaSites and all related Content, Tools, reports, assessments, calculators, downloads and services made available without a separate written agreement are provided “as is” and “as available.”
Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, exclusions apply only to the extent legally permitted.
To the fullest extent permitted by applicable law, we and, where applicable, our employees, contractors, affiliates, licensors, referral partners and service providers will not be liable for indirect, incidental, special, consequential, exemplary, punitive or similar damages arising from or related to use of, inability to use or reliance on AltaVidaSites, Tools, Content, reports, assessments, calculators or other resources.
This includes alleged losses arising from:
To the fullest extent permitted by applicable law, users remain responsible for decisions and actions taken in reliance on information or outputs provided through AltaVidaSites, including augmented-intelligence, machine-assisted or AI-assisted Content, and for obtaining independent verification or appropriate professional review before making material decisions.
Nothing in this disclaimer excludes liability that cannot legally be excluded or limits rights that cannot legally be waived.
When a user enters into a separate written agreement with us or with an appropriately licensed professional, that agreement controls the services specifically covered by it.
This general Legal Disclaimer continues to apply to matters outside the scope of the separate written engagement.
No article available through AltaVidaSites, email, assessment result, Tool output or informal conversation expands the scope of a separate written agreement unless the change is made in writing and accepted by authorized parties.
We welcome reports of suspected factual errors, outdated links, accessibility barriers, or unclear language.
AltaVidaSites
Operated by: Debora T DiBiasie, doing business through the applicable AVBrand
Email: wealth@altavidacapital.com
Telephone: 619-354-4753
Subject line: Correction Request
Submitting a correction or question does not create a professional relationship or impose a duty to respond within a particular time.
We may revise this Legal Disclaimer to reflect changes in AltaVidaSites, services, technology, business practices, or applicable law.
The updated version will be posted with a revised “Last updated” date.
Continued use of AltaVidaSites after an update constitutes acknowledgment of the revised Legal Disclaimer to the extent permitted by applicable law.
Acknowledgment
By using AltaVidaSites, you acknowledge that: