Terms of Service

Articles on this site are produced through a hybrid editorial workflow that uses AI tools to assist with research and drafting, subject to the editorial standards described on our Editorial Standards page. Our editorial team sets the standards, chooses the topics, and enforces quality gates that every article must pass before publication.

The content on this site is provided for general informational and educational purposes only. It does not constitute legal, financial, tax, accounting, investment, insurance, or business consulting advice, and it is not a substitute for advice from a qualified professional licensed in your jurisdiction. You should consult appropriate professionals before making decisions that rely on information from this site, particularly when those decisions affect your finances, taxes, business formation, employment, or legal rights.

We make no warranties, representations, statements, or guarantees (whether express, implied, or statutory) that any specific article is current, complete, accurate, or applicable to your particular situation. Laws, regulations, tax rules, lending guidelines, and industry practices change over time, and content on this site may not reflect the most recent updates. You are solely responsible for verifying any information before relying on it.

To the maximum extent permitted by applicable law, LetsTalkBP, LLC, its officers, employees, contractors, and affiliates shall not be liable for any loss, damage, cost, or expense (including but not limited to lost profits, lost business opportunity, denied loans or funding, regulatory penalties, or any direct, indirect, incidental, consequential, or punitive damages) arising from your use of, or reliance on, any content on this site, whether or not such content was produced with the assistance of AI tools.

By accessing the website, you warrant and represent to LetsTalkBP, LLC that you are legally entitled to do so and to make use of information made available via the website.

The trademarks, names, logos and service marks (collectively 'trademarks') displayed on this website are registered and unregistered trademarks of LetsTalkBP, LLC. Nothing contained on this website should be construed as granting any license or right to use any trademark without the prior written permission of LetsTalkBP, LLC.

External links may be provided for your convenience, but they are beyond the control of LetsTalkBP, LLC and no representation is made as to their content. Use or reliance on any external links and the content therein provided is at your own risk.

LetsTalkBP, LLC makes no warranties, representations, statements or guarantees (whether express, implied in law or residual) regarding the website.

LetsTalkBP, LLC shall not be responsible and disclaims all liability for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party (including your company), as a result of or which may be attributable, directly or indirectly, to your access and use of the website, any information contained on the website, you or your company's personal information or material and information transmitted over our system. In particular, neither LetsTalkBP, LLC nor any third party or data or content provider shall be liable in any way to you or to any other person, firm or corporation whatsoever for any loss, liability, damage (whether direct or consequential), personal injury or expense of any nature whatsoever arising from any delays, inaccuracies, errors in, or omission of any share price information or the transmission thereof, or for any actions taken in reliance thereon or occasioned thereby or by reason of non-performance or interruption, or termination thereof.

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.

We may share your information with our business partners to offer you certain products, services, or promotions.

If there is a conflict or contradiction between the provisions of these website terms and conditions and any other relevant terms and conditions, policies or notices, the other relevant terms and conditions, policies or notices which relate specifically to a particular section or module of the website shall prevail in respect of your use of the relevant section or module of the website.

If you are unhappy with your initial online purchase of our services for any reason, prior to the submission of the business plan worksheet, email us within the first 60 days of purchase. Once we receive the completed business plan worksheet all sales are final due to the hard cost incurred with the creation of the business plan documents.

All sales become final at the time of the business plan worksheet submission due to the hard cost incurred with the creation of the business plan documents.

Most SMS browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services.

We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than the period of time in which users have an account with us. When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

Use of this website shall in all respects be governed by the laws of the state of Nevada, U.S., regardless of the laws that might be applicable under principles of conflicts of law. The parties agree that the Nevada courts located in Clark County, NV, shall have exclusive jurisdiction over all controversies arising under this agreement and agree that venue is proper in those courts.

By continuing, I hereby consent to receive autodialed calls from or on behalf of LetsTalkBP, LLC at the telephone number(s) provided during entity registration, regardless of choosing to use services provided by LetsTalkBP, LLC. I understand that consent is not a condition of purchase.

In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information. California Civil Code Section 1798.83, also known as the 'Shine The Light' law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request to us or call (877) 777-3353.

Claims arising out of or relating to any aspect of the relationship between us, whether based in contract, statute, fraud, misrepresentation, or any other legal theory. Claims that arose before these or any prior Terms (including, but not limited to, claims relating to advertising). Claims that are currently the subject of purported class action litigation in which you are not a member of a certified class. Claims that may arise after the termination of these Terms.

For the purpose of this Arbitration Agreement, references to 'LetsTalkBP, LLC', 'you', and 'us' include as respective subsidiaries, affiliates, agents, employees, employers, business partners, shareholders, predecessors in interest, successors and assigns, as well as all authorized or unauthorized users or beneficiaries of services or products under these Terms or any prior agreements between us. Beneficiaries include, but are not limited to, those named in an estate planning document. Any controversy or claim arising out of or relating to these Terms, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial (or other) Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Last updated: 11-08-21