Privacy Policy, Terms and Conditions

Alta Vida Capitol — Policies, Terms & Conditions

Effective Date: August 8, 2025

  1. Acceptance & Scope

Welcome to Alta Vida Capitol (“Company,” “we,” “us,” or “our”). These Policies, Terms & Conditions (“Terms”) govern your access to and use of our websites, content, and services. By using our websites or services, you agree to these Terms. If you do not agree, do not use our websites or services.

Alta Vida Capitol provides life‑insurance strategies, cash‑value policy design, debt restructuring concepts, and wealth‑building education (including ‘infinite banking’‑style strategies), along with complementary asset‑protection education. Services are educational in nature and may involve referrals to licensed professionals where appropriate.

  1. Educational Use Only — No Professional Advice

All content, illustrations, examples, scenarios, and materials provided by us are for educational and informational purposes only and do not constitute legal, tax, investment, medical, or financial advice. You should consult your own qualified professionals before making decisions. Past results do not guarantee future outcomes. All illustrations are hypothetical and for education only.

  1. Your Responsibilities
  • Use our websites and services lawfully and for their intended purposes.
  • Provide accurate information, and promptly update changes to your contact details.
  • Maintain the confidentiality of any credentials used to access our systems.

 

  1. Standards of Conduct & Prospect Care

We expect all users, agents, and partners to uphold our professional standards when interacting with prospects and clients. You agree to:

  • Communicate truthfully, respectfully, and without harassment or discrimination.
  • Follow all applicable laws, regulations, and licensing requirements.
  • Avoid high‑pressure, deceptive, or misleading sales practices.
  • Respect privacy and confidentiality at all times.
  • Adhere to our Prospect Care Standards, which prioritize honesty, transparency, and the client’s best interest.

We may immediately suspend or terminate access for conduct that violates these standards.

  1. Independent Agents & Third Parties

We may introduce or refer you to independent agents, agencies, service providers, or carriers. These parties are independent and not our employees. We are not responsible or liable for any actions, omissions, advice, outcomes, or representations made by such independent agents or third parties, including those to whom we provide services or leads. You should conduct your own due diligence before engaging any third party.

  1. No Guarantees

We make no guarantees regarding results, performance, earnings, conversions, or outcomes. Your results depend on your individual effort, compliance, market conditions, and other factors beyond our control.

  1. Fees & Payment (If Applicable)

From time to time, we may offer paid services. Unless otherwise stated in a written agreement, fees are due when invoiced, non‑cancelable, and non‑refundable except as required by law.

  1. Intellectual Property & License

All content, training materials, graphics, logos, videos, and other intellectual property on our websites are owned by us or our licensors. You are granted a limited, non‑exclusive, non‑transferable license to access and use the content for your personal, internal business, or educational purposes. No other rights are granted. You may not reproduce, distribute, or create derivatives without our prior written consent.

  1. Privacy — What We Collect & How We Use It

We may collect personal information such as your name, contact details, and information related to your service needs through forms or communications with us. We use this information to provide services, communicate with you, improve our offerings, and (with your consent) send marketing. We may share information with trusted service providers who assist us in delivering services. We do not sell personal information. We implement reasonable safeguards, but no system is 100% secure. You may request access, correction, or deletion of your personal information by contacting us.

Privacy contact: wealth@altavidacapitol.com or text +1 208-909-3969.

  1. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits or revenues, arising out of or related to your use of our websites or services, even if advised of the possibility of such damages.

  1. Indemnification

You agree to defend, indemnify, and hold harmless us and our trustees, officers, employees, and affiliates from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of our websites or services, your violation of these Terms, or your violation of applicable laws.

  1. Right to Refuse or Terminate

We reserve the right, at our sole discretion, to refuse, suspend, or terminate services, access, or relationships at any time for misconduct, non‑compliance, non‑payment, or actions detrimental to our clients, brand, or community standards.

  1. Dispute Resolution & Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our websites or services shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (AAA) under its applicable rules. The seat and venue of arbitration shall be San Diego, California, before a single arbitrator. You and we waive the right to a jury trial and agree that disputes will be resolved on an individual basis; class or collective actions are not permitted. Either party may seek temporary injunctive relief in a court of competent jurisdiction to protect its rights pending arbitration. Each party bears its own costs and attorneys’ fees unless the arbitrator decides otherwise. This clause survives termination.

  1. Governing Law

These Terms shall be governed by and construed under the laws of the State of California, without regard to its conflict‑of‑laws principles.

  1. Changes to These Terms

We may update these Terms from time to time. The Effective Date above reflects the latest version. Your continued use after changes are posted constitutes acceptance of the updated Terms.

  1. Contact

Email: wealth@altavidacapitol.com  |  Text: +1 208-909-3969