Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your use of the Lincoln Law website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not use our services.

Description of Services

Lincoln Law provides:

• Information about bankruptcy options in Utah
• A preliminary financial assessment questionnaire
• Preliminary eligibility information (informational only, not legal advice)
• Connection to qualified bankruptcy attorneys
• Educational resources about bankruptcy law

Not Legal Advice

You acknowledge and agree that:

• No attorney-client relationship is formed by using this website or completing the questionnaire
• Any eligibility assessments are preliminary and informational only
• Final determination of bankruptcy eligibility requires consultation with a licensed attorney
• Bankruptcy laws are complex and vary based on individual circumstances
• You should not rely solely on information from this website for legal decisions
• We strongly recommend consulting with a qualified bankruptcy attorney before taking any action

Geographic Limitations

Our services are currently available only to residents of Utah. The information provided on this website is specific to Utah bankruptcy law and may not be applicable in other states. If you are not a Utah resident, the information and services provided may not be relevant to your situation.

User Responsibilities

When using our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any account credentials
• Use the services only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not transmit any malicious code or harmful content
• Not use automated systems to access the site without permission
• Respect the intellectual property rights of Lincoln Law and others

Financial Information and Plaid Integration

Our optional Plaid integration currently operates in Sandbox mode with test data only. You acknowledge that:

• Connection to Plaid is entirely optional and requires your explicit consent
• The Sandbox environment uses synthetic test data, not real financial information
• Any financial assessments based on Plaid data are preliminary and informational
• We access only minimum-necessary information to provide our services
• You can revoke Plaid access at any time through your Plaid account

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Lincoln Law or its licensors and is protected by copyright and other intellectual property laws. You may not:

• Reproduce, distribute, or display our content without permission
• Create derivative works from our content
• Use our trademarks or branding without authorization
• Remove or modify any copyright notices

Limitation of Liability

To the fullest extent permitted by law, Lincoln Law and its affiliates, officers, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Damages resulting from reliance on information provided on the website
• Damages caused by third-party services or content
• Any claims arising from decisions made based on preliminary assessments

Our total liability in any matter arising from your use of our services shall not exceed the amount you paid us, if any, for the services in question.

Indemnification

You agree to indemnify and hold harmless Lincoln Law, its affiliates, and their respective officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Any information you provide to us

Dispute Resolution and Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of our services shall be resolved in the state or federal courts located in Utah, and you consent to the personal jurisdiction of such courts.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a new "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and Consent Disclosure, constitute the entire agreement between you and Lincoln Law regarding the use of our services.

Contact Information

If you have questions about these Terms, please contact us: