Terms of Service

1. Acceptance of Terms

By accessing lozenadvisory.com, submitting a form, requesting a briefing, scheduling a session, purchasing a service, downloading a resource, or otherwise interacting with Lozen Advisory LLC, you agree to these Terms of Service and the Privacy Policy.

If you do not agree to these Terms, do not use this website, submit information, or purchase services from Lozen Advisory.

2. Services

Lozen Advisory provides advisory services, executive briefings, research-based analysis, strategic frameworks, written resources, and related services for individuals, organizations, and professional audiences.

Specific service details, deliverables, timing, pricing, intake requirements, and payment terms may be described on the relevant service page, booking page, proposal, invoice, agreement, or client communication.

3. No Medical, Legal, Financial, or Therapeutic Advice

Lozen Advisory does not provide medical advice, legal advice, financial advice, tax advice, therapy, diagnosis, treatment, crisis intervention, or employment representation.

Content and services are provided for informational, advisory, strategic, analytical, and educational purposes. You are responsible for consulting appropriate licensed professionals for medical, legal, financial, tax, therapeutic, employment, or other regulated advice.

4. No Professional Relationship Created by Website Use

Accessing this website, reading content, submitting a form, sending an email, downloading a resource, or requesting information does not create a client relationship, fiduciary relationship, attorney-client relationship, physician-patient relationship, therapist-client relationship, employment relationship, or other protected professional relationship.

A client relationship exists only when Lozen Advisory expressly agrees to provide services under an applicable purchase, booking, written agreement, engagement confirmation, or other documented service arrangement.

5. User Responsibilities

You agree to provide accurate information when submitting forms, requesting services, scheduling sessions, or making payments. You are responsible for determining whether Lozen Advisory services, resources, or content are appropriate for your circumstances.

You agree not to misuse the website, interfere with its operation, submit unlawful or harmful material, attempt unauthorized access, copy protected materials, scrape content, reverse engineer site systems, or use Lozen Advisory content in a way that violates these Terms or applicable law.

6. Payments, Scheduling, and Cancellations

Fees, payment timing, scheduling instructions, cancellation terms, rescheduling terms, and refund terms may vary by service and will be controlled by the applicable service page, checkout process, proposal, invoice, written agreement, or booking communication.

Unless otherwise stated in writing, payments are due at the time of purchase or according to the terms presented during checkout, invoicing, or engagement confirmation. Missed sessions, late cancellations, or failure to complete required intake materials may affect service delivery and may not entitle you to a refund.

7. Intellectual Property

The website, copy, frameworks, methods, reports, briefings, resources, designs, page structure, graphics, images, downloads, service names, marks, and other materials are owned by Lozen Advisory LLC or its licensors unless otherwise stated.

Lozen Advisory concepts, including but not limited to Invisible Attrition℠, Disclosure-Independent Performance Protection℠, Power User Trap℠, and related frameworks, are protected business assets of Lozen Advisory. You may not copy, reproduce, publish, modify, distribute, sell, license, train models on, or create derivative works from Lozen Advisory materials without express written permission.

8. Limited Permission to Use Website Content

You may view website content for personal, internal, or informational use. You may share links to public pages. You may not remove attribution, present Lozen Advisory content as your own, reuse protected frameworks commercially, or incorporate Lozen Advisory materials into competing services, training materials, products, reports, presentations, or advisory offerings without written permission.

9. Research, Commentary, and Third-Party References

Lozen Advisory content may reference public research, legislation, media, organizations, companies, benefits platforms, public figures, government materials, or third-party publications. These references are provided for commentary, analysis, research, or informational context.

Third-party references do not imply endorsement, sponsorship, affiliation, approval, or partnership unless expressly stated in writing. Lozen Advisory is not responsible for third-party content, websites, statements, services, or policies.

10. Confidentiality and Information Submitted

Lozen Advisory treats business inquiries and client communications with care. However, unless a separate written agreement provides otherwise, information submitted through public website forms, general email, or public communication channels should not be treated as confidential, privileged, or protected.

Do not submit sensitive personal, medical, legal, employment, financial, or confidential business information through public forms unless specifically requested through an appropriate intake or engagement process.

11. Disclaimer of Warranties

The website, content, resources, and services are provided on an “as is” and “as available” basis. Lozen Advisory makes no warranty that the website will be uninterrupted, error-free, secure, current, or free from harmful components.

Lozen Advisory does not guarantee any specific outcome, business result, employment result, legal result, medical result, financial result, organizational decision, or performance result from use of the website, content, resources, briefings, or advisory services.

12. Limitation of Liability

To the fullest extent permitted by law, Lozen Advisory LLC and its owners, employees, contractors, advisors, affiliates, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, punitive, or lost-profit damages arising from or related to use of the website, content, resources, services, or these Terms.

To the fullest extent permitted by law, Lozen Advisory’s total liability for any claim arising from or related to the website, content, resources, services, or these Terms will not exceed the amount you paid to Lozen Advisory for the specific service giving rise to the claim, or one hundred dollars if no paid service is involved.

13. Indemnification

You agree to defend, indemnify, and hold harmless Lozen Advisory LLC and its owners, employees, contractors, advisors, affiliates, and service providers from claims, damages, liabilities, losses, costs, and expenses arising from your use of the website, your violation of these Terms, your misuse of Lozen Advisory materials, or your violation of applicable law or third-party rights.

14. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law principles. Any dispute arising from or related to these Terms, the website, or Lozen Advisory services will be handled in a court of competent jurisdiction located in Virginia unless applicable law requires a different venue.

15. Changes to These Terms

Lozen Advisory may update these Terms from time to time. The updated version will be posted on this page with a revised effective date. Continued use of the website, content, resources, or services after updated Terms are posted means you accept the updated Terms.