Effective as of: June 2025
Vision and Hope™ Financial LLC products (the Products) and the information contained on this website (the two-hereafter combined referred to as the “Information”) are meant for educational purposes only.
The Information is to educate and enlighten the user to their current and potential financial situation. The Information is not intended to provide financial advice. The user is advised to engage the services of a qualified financial advisor, as necessary. No Information is meant as a guarantee of financial success or financial distress. No Information is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. Interest rates, inflation rates, and financial outcomes as presented in the Information are not promised or guaranteed. The Information should not be relied upon for purposes of transacting securities or other investments.
The user of the Information assumes all risk. The author of the Planner is neither a certified financial planner nor an expert in the fields of financial planning, investments, law or taxes.
The author has done the author's best to ensure accuracy of formulas in company products but admits there could be errors.
Additionally, while every effort is made to convey the most current information at the time the products were created, tax laws, Internal Revenue Service (IRS) rules, Social Security Administration (SSA) rules and interest rates change frequently. Therefore, the content is provided ‘as is’ and without warranties, either expressed or implied. Under no circumstances will the author be liable for any loss or damage caused by the user's reliance on the Information presented. It is the user's responsibility to evaluate any information and content contained in the Information. The products include numerous types of financial scenarios, but they do not, nor could they contain all the financial, investment and/or tax scenario possibilities which could exist. Products are designed for either a single individual or two individuals as a couple.
Products are for single use only. Unauthorized use, copying of any form, and/or distribution of any form of the products in their entirety or any part therein - except by a reviewer who may quote brief passages or copy brief sections in a review to be printed in a magazine, newspaper, blog or website - without written consent of the author is prohibited.
For inquiries or questions, comments or suggestions on how to improve company products, individuals may contact the author by email at info@visionandhopellc.com or by mail at Vision and Hope Financial LLC, 1706 West Main Street, #1033, Troy, OH 45373.
Vision and Hope, Vision and Hope Financial Planner, Vision and Hope Financial Social Security Calculator, Vision and Hope Financial Savings Growth Estimator, Vision and Hope Financial Accelerated Mortgage Calculator, “Be the hero of your financial future”, and the company logo are registered trademarks of Vision and Hope Financial LLC. Any reference to such, including but not limited to company name and product names, is protected under USPTO laws. Registration confirmation pending.
The www.visionandhopellc.com is an E-Commerce website, (the "Site") is comprised of various web pages operated by Vision and Hope™ Financial LLC.
www.visionandhopellc.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.visionandhopellc.com constitutes your agreement to all such Terms. Please read these terms carefully and keep a copy of them for your reference.
The Vision and Hope™ Financial LLC website is the official website of Vision and Hope™ Financial LLC. The website's primary purpose is to provide consumers a method to purchase products offered by Vision and Hope™ Financial LLC – a financial software and services company. The website also contains a blog and links to instructional videos.
Your use of www.visionandhopellc.com is subject to Vision and Hope™ Financial LLC's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.
Visiting www.visionandhopellc.com or sending emails to Vision and Hope™ Financial LLC constitutes electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.
If you use this site, you are responsible for maintaining the confidentiality of any associated account(s) you create and any password(s) and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account(s) or password(s). You may not assign or otherwise transfer your account(s) to any other person or entity. You acknowledge that Vision and Hope™ Financial LLC is not responsible for third party access to your account(s) that results from theft or misappropriation of your account(s). Vision and Hope™ Financial LLC and its associates reserve the right to refuse or cancel service, terminate account(s), or remove or edit content in our sole discretion.
Vision and Hope™ Financial LLC does not knowingly collect, either online or offline, personal information from people under the age of thirteen. If you are under age 18, you may use www.visionandhopellc.com only with the permission of a parent or guardian.
You may cancel your subscription to notices from this website at any time. Any cancellation will nullify your ability to obtain free, discounted, or purchased periodic software updates.
www.visionandhopellc.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Vision and Hope™ Financial LLC and Vision and Hope™ Financial LLC is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Vision and Hope™ Financial LLC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Vision and Hope™ Financial LLC of the site or any association with its operators.
Certain services made available via www.visionandhopellc.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.visionandhopellc.com domain, you hereby acknowledge and consent that Vision and Hope™ Financial LLC may share such information and data with any third party with whom Vision and Hope™ Financial LLC has a contractual relationship to provide the requested product, service or functionality on behalf of www.visionandhopellc.com users and customers.
You are granted a non-exclusive, non-transferable, revocable license to access and use www.visionandhopellc.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant Vision and Hope™ Financial LLC that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Vision and Hope™ Financial LLC or its suppliers and protected by copyright, Trademark protection, and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Vision and Hope™ Financial LLC content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of Vision and Hope™ Financial LLC and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Vision and Hope™ Financial LLC or our licensors except as expressly authorized by these Terms.
Through the Site, you may be required to establish an account for third party accounts. By connecting through the Site to your third-party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third-party sites). If you do not want information about you to be shared in this manner, do not use this feature.
The Site is controlled, operated and administered by Vision and Hope™ Financial LLC from our offices within the United States of America (USA). If you access the Site from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Vision and Hope™ Financial LLC content accessed through www.visionandhopellc.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
You agree to indemnify, defend and hold harmless Vision and Hope™ Financial LLC, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Vision and Hope™ Financial LLC reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Vision and Hope™ Financial LLC in asserting any available defenses.
In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. If any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims regarding these Terms and Conditions or any disputes arising because of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision, shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/ collective actions are not permitted. The parties agree that a party may bring claims against the other only in each’s individual capacity, and not as a plaintiff or class member in any punitive class, collective and/or representative proceeding, such as in the form of a private attorney general action against the other. Further, unless both you and Vision and Hope™ Financial LLC agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.
The information, software, products, and services included in or available through the Site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. Vision and Hope™ Financial LLC and/or its suppliers may make improvements and/or changes in the Site at any time.
Vision and Hope™ Financial LLC and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services and related graphics contained on the Site for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services and related graphics are provided “as is” without warranty or condition of any kind. Vision and Hope™ Financial LLC and/or its suppliers hereby disclaim all warranties and conditions about this information, software, products, services and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement.
To the maximum extent permitted by applicable law, in no event shall Vision and Hope™ Financial LLC and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the site, with the delay or inability to use the Site or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the site, or otherwise arising out of the use of the site, whether based on contract, tort, negligence, strict liability or otherwise, even if Vision and Hope™ Financial LLC or any of its suppliers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of the Site, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Site.
Vision and Hope™ Financial LLC reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Ohio, and you hereby consent to the exclusive jurisdiction and venue of courts in Ohio in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Vision and Hope™ Financial LLC because of this agreement or use of the Site. Vision and Hope™ Financial LLC's performance of this agreement is subject to existing laws and legal process, and nothing is contained in this agreement in derogation of Vision and Hope™ Financial LLC's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Vision and Hope™ Financial LLC with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Vision and Hope™ Financial LLC with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Vision and Hope™ Financial LLC with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Vision and Hope™ Financial LLC reserves the right, in its sole discretion, to change the Terms under which www.visionandhopellc.com is offered. The most current version of the Terms will supersede all previous versions. Vision and Hope™ Financial LLC encourages you to periodically review the Terms to stay informed of our updates.
Vision and Hope™ Financial LLC welcomes your questions or comments regarding the Terms:
Vision and Hope Financial LLC
1706 West Main Street, #1033
Troy, Ohio 45373
Email Address:
info@visionandhopellc.com
Telephone number:
(937) 703-8331