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Legal Disclaimer and Scope of Website

Last updated: July 31, 2026

Please read this Legal Disclaimer carefully before using AltaVida Capital’s website, articles, assessments, calculators, checklists, reports, downloads, videos, email materials, applications, or other resources.

For purposes of this disclaimer, “AltaVida Capital,” “AltaVida,” “we,” “us,” and “our” refer to AltaVida Capital and the website located at altavidacapital.com, including its subdomains, applications, educational tools, and associated digital content.

By accessing or using this website, you acknowledge that you have read and understood this disclaimer.

For purposes of this Legal Disclaimer, “AltaVida,” “we,” “us,” and “our” refers to doing business through AltaVida Capital, AltaVida Unlimited, and AltaVida Offices, as applicable.

“Sites” means:

  • altavidacapital.com
  • altavidaunlimited.com
  • altavidaoffices.com

together with their subdomains, applications, calculators, assessments, portals, forms, reports, downloads, email materials, videos, articles, and other digital resources operated by us.

This Legal Disclaimer applies to all Sites unless a particular product, service, application, transaction, or written agreement expressly provides different or additional terms.

1. General educational and reference purpose

AltaVida Capital provides general educational information, organizational resources, planning prompts, estimates, assessments, calculators, checklists, and links to third-party sources.

The website is intended to help users:

  • identify subjects that may require further review;
  • organize questions and information;
  • understand general planning concepts;
  • locate relevant government or professional resources;
  • prepare for discussions with government agencies and qualified professionals; and
  • consider how multiple financial, retirement, insurance, survivor, tax, healthcare, and household issues may interact.

The website is 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.

2. No government affiliation or endorsement

AltaVida Capital is a private organization. It is not a government agency and is not affiliated with, endorsed by, sponsored by, approved by, or acting on behalf of:

  • the United States Department of Defense;
  • any branch of the United States Armed Forces;
  • the Defense Finance and Accounting Service;
  • the Department of Veterans Affairs;
  • the Office of Personnel Management;
  • the Federal Retirement Thrift Investment Board or Thrift Savings Plan;
  • TRICARE;
  • BENEFEDS;
  • the Social Security Administration;
  • the Internal Revenue Service;
  • Medicare or Medicaid;
  • any federal, state, local, military, or foreign government agency; or
  • any government benefits, retirement, healthcare, disability, survivor, or insurance program.

Names, acronyms, forms, program names, trademarks, and agency links are used solely for identification, education, commentary, and reference.

Nothing on this website constitutes an official agency determination, instruction, approval, calculation, eligibility decision, benefits estimate, or statement of government policy.

3. AltaVida Capital does not administer government benefits

Unless expressly stated in a separate written agreement signed by an authorized representative of AltaVida Capital, use of this website does not mean that AltaVida Capital will:

  • determine eligibility for government benefits;
  • calculate official military, federal, Social Security, disability, survivor, or healthcare benefits;
  • prepare, submit, certify, monitor, manage, or prosecute government claims;
  • complete or file retirement packages;
  • make elections on behalf of users;
  • enroll users in government benefit or healthcare programs;
  • obtain military, employment, healthcare, tax, or government records;
  • communicate with government agencies as a user’s representative;
  • monitor application, appeal, enrollment, election, or filing deadlines;
  • correct government records;
  • provide representation in claims, appeals, hearings, audits, or administrative proceedings;
  • guarantee acceptance, eligibility, coverage, payment, approval, or processing time; or
  • assume responsibility for implementing any action described on the website.

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.

4. No legal advice or attorney-client relationship

Website content does not constitute legal advice and should not be relied upon as legal advice.

AltaVida Capital does not provide legal opinions concerning:

  • wills or trusts;
  • powers of attorney;
  • beneficiary rights;
  • divorce or former-spouse orders;
  • estate planning;
  • probate;
  • disability claims;
  • appeals;
  • contracts;
  • business formation;
  • tax law;
  • creditor protection;
  • government-benefit rights;
  • fiduciary obligations; or
  • any other legal matter.

Use of the website, 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.

5. No tax or accounting advice

Website content does not constitute individualized tax, accounting, or tax-return preparation advice.

Tax treatment may depend on facts not collected or evaluated by the website, including:

  • filing status;
  • state of residence;
  • income sources;
  • deductions and credits;
  • retirement-plan basis;
  • Roth and traditional account history;
  • disability status;
  • business structure;
  • trust ownership;
  • insurance policy structure;
  • beneficiary arrangements; and
  • changes in federal or state law.

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.

6. No investment, securities, or fiduciary advice

The website does 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 on the website guarantees:

  • investment performance;
  • account growth;
  • tax savings;
  • income;
  • liquidity;
  • principal protection;
  • market returns;
  • creditor protection; or
  • suitability for any particular user.

Users should consult appropriately licensed financial, investment, tax, and legal professionals before acting.

7. Insurance information and licensed activity

Insurance-related content is general and educational.

No insurance coverage is created, issued, bound, modified, replaced, or guaranteed through:

  • viewing website content;
  • completing an assessment;
  • using a calculator;
  • downloading a report;
  • scheduling a conversation; or
  • submitting a contact or access form.

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.

AltaVida Capital or associated licensed professionals may receive commissions, referral compensation, or other compensation when permitted by law. Any material role, relationship, licensing status, and compensation disclosure applicable to a specific transaction should be provided before the transaction is completed.

8. No healthcare or medical advice

References to TRICARE, Medicare, healthcare coverage, disability, long-term care, medical retirement, health conditions, or insurance eligibility are educational only.

Website content does not constitute:

  • medical advice;
  • diagnosis;
  • treatment;
  • healthcare eligibility confirmation;
  • coverage authorization;
  • medical necessity determination; or
  • instructions to delay or discontinue medical care.

Users should consult the appropriate healthcare provider, insurer, plan administrator, government agency, or licensed professional.

This website is not an emergency service. Anyone experiencing a medical or other emergency should contact the appropriate emergency service immediately.

9. Calculators, assessments, scores, reports, and estimates

AltaVida Capital’s calculators, assessments, readiness scores, reports, projections, and other tools are educational planning aids.

Results may be based on:

  • information entered by the user;
  • simplified assumptions;
  • generalized formulas;
  • estimated tax rates;
  • estimated benefit amounts;
  • user-selected growth or inflation rates;
  • rounding;
  • incomplete information;
  • assumptions that may not apply to the user; and
  • laws, limits, costs, or program information available when the tool was last reviewed.

Results are not official benefit calculations, account statements, insurance illustrations, tax projections, legal determinations, investment recommendations, actuarial opinions, or guarantees.

A score 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.

10. User inputs and incomplete information

Website tools cannot evaluate facts that users do not provide or that the tools are not designed to collect.

Users are responsible for:

  • entering complete and accurate information;
  • reviewing results for obvious errors;
  • correcting outdated or inaccurate assumptions;
  • confirming that the selected retirement system, benefit category, tax treatment, jurisdiction, and household circumstances are correct; and
  • obtaining individualized review where necessary.

AltaVida Capital is not responsible for results affected by inaccurate, incomplete, ambiguous, outdated, or incorrectly entered information.

11. Deadlines and time-sensitive actions

Government benefits, insurance, retirement elections, healthcare enrollment, claims, appeals, beneficiary changes, tax filings, and legal rights may be subject to strict deadlines.

AltaVida Capital does not undertake a duty to:

  • identify every applicable deadline;
  • send reminders;
  • monitor pending matters;
  • confirm receipt by an agency;
  • follow up with users;
  • preserve appeal rights; or
  • prevent coverage or benefit gaps.

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 AltaVida Capital.

Deadlines must be confirmed directly with the responsible agency, carrier, plan administrator, employer, attorney, or other authoritative source.

12. Accuracy, completeness, and changes in information

AltaVida Capital uses reasonable efforts to research, review, cite, and update educational content. However, no website can guarantee that all information will always be:

  • complete;
  • current;
  • accurate;
  • applicable to every user;
  • free from typographical or technical errors;
  • consistent with the latest agency interpretation; or
  • unaffected by later changes.

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 content was reviewed. It does not guarantee that no change occurred afterward.

AltaVida Capital may revise, correct, remove, or update content at any time, but does not undertake a legal duty to monitor or update every page continuously.

13. Official sources and independent verification

Links and citations to government or other authoritative sources are provided to help users conduct independent research.

Users should:

  1. open the cited source;
  2. confirm that the page is current;
  3. review applicable forms, instructions, exceptions, and definitions;
  4. contact the responsible agency when clarification is needed; and
  5. obtain qualified professional advice before making material decisions.

A citation does not guarantee that a source addresses every exception or circumstance relevant to a particular user.

14. Third-party websites, products, and services

The website may link to third-party websites, government portals, calculators, software, financial institutions, insurers, agencies, service providers, or other resources.

AltaVida Capital does not control third-party websites and is not responsible for their:

  • availability;
  • accessibility;
  • security;
  • privacy practices;
  • accuracy;
  • content;
  • terms;
  • fees;
  • products;
  • services; or
  • actions.

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.

15. AI-assisted and technology-assisted content

AltaVida Capital may use artificial intelligence, automated research tools, transcription tools, calculation software, or other technology to assist with drafting, organizing, reviewing, formatting, or delivering educational materials.

Technology-assisted content may contain errors, omissions, outdated information, incorrect assumptions, or unintended wording.

AltaVida Capital applies human review processes to educational content, but human review does not guarantee that every error will be identified.

Users must independently verify material information before relying on it.

16. No guarantee of results

AltaVida Capital does not guarantee that use of the website or any related resource will produce:

  • approval of a claim or application;
  • receipt of a government benefit;
  • increased retirement income;
  • tax savings;
  • investment gains;
  • insurance approval;
  • favorable underwriting;
  • legal protection;
  • debt reduction;
  • business revenue;
  • improved credit;
  • successful retirement;
  • successful estate planning; or
  • any other particular result.

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.

17. No professional or fiduciary relationship created by website use

Accessing the website, completing a form, downloading information, using a tool, receiving an automated report, subscribing to email, or communicating generally with AltaVida Capital does not automatically create:

  • a client relationship;
  • a fiduciary relationship;
  • an advisory relationship;
  • an attorney-client relationship;
  • an accountant-client relationship;
  • an insurance-producer/client relationship;
  • a healthcare-provider/patient relationship;
  • an agency relationship;
  • a government-representative relationship; or
  • any duty to monitor or act on the user’s behalf.

A professional relationship may arise only through a separate written agreement or other legally sufficient engagement that clearly identifies:

  • the parties;
  • the professional role;
  • the scope of services;
  • applicable licensing;
  • compensation;
  • limitations;
  • responsibilities; and
  • termination rights.

18. Sensitive information

Users should not submit highly sensitive information through ordinary website forms, email, chat, or other unsecured channels unless specifically requested through an approved secure process.

Do not send items such as:

  • Social Security numbers;
  • DoD identification numbers;
  • account passwords;
  • full bank or credit-card numbers;
  • complete tax returns;
  • unredacted medical records;
  • government login credentials;
  • private encryption keys; or
  • other information not specifically required.

AltaVida Capital may delete unsolicited sensitive information and is not responsible for users voluntarily transmitting information through an inappropriate or unsecured channel.

19. Disclaimer of warranties

To the fullest extent permitted by applicable law, the website 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.”

AltaVida Capital disclaims all express and implied warranties, including warranties of:

  • accuracy;
  • completeness;
  • currency;
  • merchantability;
  • fitness for a particular purpose;
  • title;
  • noninfringement;
  • availability;
  • compatibility;
  • security; and
  • uninterrupted or error-free operation.

Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, exclusions apply only to the extent legally permitted.

20. Limitation of liability

To the fullest extent permitted by applicable law, AltaVida Capital and its owners, officers, 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—or inability to use—the website or reliance on its content.

This includes alleged losses arising from:

  • missed deadlines;
  • denied or delayed claims;
  • lost benefits;
  • coverage gaps;
  • tax consequences;
  • penalties;
  • investment losses;
  • insurance decisions;
  • inaccurate user inputs;
  • incorrect calculations;
  • third-party websites;
  • interrupted access;
  • lost data;
  • business interruption; or
  • decisions made without independent verification.

Nothing in this disclaimer excludes liability that cannot legally be excluded or limits rights that cannot legally be waived.

Legal review required: Counsel should confirm this section’s scope, any monetary liability cap, governing jurisdiction, and its relationship to the Terms of Use.

21. Conflicts with separate written agreements

When a user enters into a separate written agreement with AltaVida Capital or a licensed professional, that agreement controls the services specifically covered by it.

This general website disclaimer continues to apply to matters outside the written engagement.

No website article, email, assessment result, or informal conversation expands the scope of a separate written agreement unless the change is made in writing and accepted by authorized parties.

22. Corrections and questions

AltaVida Capital welcomes reports of suspected factual errors, outdated links, accessibility barriers, or unclear language.

Contact:

AltaVida Capital
Email: wealth@altavidacapital.com
Telephone: 619-354-4753

Submitting a correction or question does not create a professional relationship or impose a duty to respond within a particular time.

23. Changes to this disclaimer

AltaVida Capital may revise this disclaimer to reflect changes in the website, services, technology, business practices, or applicable law.

The updated version will be posted with a revised “Last updated” date.

Continued use of the website after an update constitutes acknowledgment of the revised disclaimer to the extent permitted by applicable law.

Acknowledgment

By using this website, you acknowledge that:

  • the website is an educational reference;
  • AltaVida Capital is not a government agency;
  • website use does not create professional representation;
  • you remain responsible for verifying information and meeting deadlines; and
  • material decisions should be reviewed with the responsible agency and appropriately qualified professionals.