Terms of service
LSH Financial
Effective Date: June 16, 2026
Welcome to the LSH Financial website (“Website”). These Terms of Use (“Terms”) govern your access to and use of this Website and any services, content, forms, communications, and resources provided by LSH Financial (“LSH Financial,” “we,” “us,” or “our”).
By accessing or using this Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use this Website.
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1. Website Purpose
LSH Financial provides information regarding insurance, financial education, retirement planning, Medicare guidance, life insurance, annuities, asset protection strategies, and related services.
The information provided on this Website is for educational and informational purposes only and should not be considered legal, tax, accounting, investment, or financial advice.
You should consult qualified professionals regarding your specific circumstances before making financial decisions.
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2. No Guarantee of Coverage or Benefits
Insurance products, financial products, premiums, underwriting decisions, eligibility requirements, and policy benefits vary by carrier and applicant.
Nothing on this Website guarantees:
* Insurance approval
* Specific rates or premiums
* Eligibility for coverage
* Availability of products
* Future performance of financial products
* Specific financial outcomes
All coverage decisions are subject to carrier underwriting guidelines and applicable laws.
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3. Medicare Disclaimer
LSH Financial is not affiliated with or endorsed by:
* The U.S. Government
* The Centers for Medicare & Medicaid Services (CMS)
* Medicare
We may represent multiple insurance carriers and offer products available in your area.
Availability of plans and benefits may vary by state, county, and carrier.
For complete information regarding Medicare, visit:
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4. Licensing Disclosure
Insurance products and services are offered only in states where LSH Financial and its licensed agents are properly licensed and authorized to conduct business.
Nothing contained on this Website constitutes a solicitation or offer in any jurisdiction where such activities would be unlawful.
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5. User Responsibilities
By using this Website, you agree:
* To provide accurate information.
* Not to impersonate another person.
* Not to submit false or misleading information.
* Not to interfere with Website operations.
* Not to attempt unauthorized access to systems or data.
* Not to use the Website for unlawful purposes.
You are responsible for maintaining the confidentiality of any login credentials associated with your use of the Website.
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6. SMS and Electronic Communications
By submitting your contact information through our Website, forms, advertisements, social media platforms, or events, you consent to receive communications from LSH Financial, including:
* Phone calls
* Emails
* Text messages
* Appointment reminders
* Service notifications
* Marketing communications
Message frequency may vary.
Message and data rates may apply.
Consent to receive communications is not a condition of purchasing any product or service.
You may opt out of text messages at any time by replying:
STOP
For assistance, reply:
HELP
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7. Intellectual Property
All content on this Website, including:
* Logos
* Branding
* Text
* Graphics
* Images
* Videos
* Documents
* Training materials
* Marketing materials
is the property of LSH Financial or its licensors and is protected by applicable intellectual property laws.
You may not:
* Copy
* Reproduce
* Distribute
* Modify
* Publish
* Sell
* Create derivative works
without prior written permission.
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8. Third-Party Links
This Website may contain links to third-party websites.
These links are provided for convenience only.
LSH Financial does not:
* Control third-party websites
* Endorse third-party content
* Guarantee the accuracy of third-party information
You access third-party websites at your own risk.
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9. No Professional Relationship
Use of this Website does not create:
* An attorney-client relationship
* A fiduciary relationship
* An insurance agent-client relationship
* A financial advisor-client relationship
A professional relationship is established only after completion of required disclosures, licensing verification, and applicable agreements.
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10. Disclaimer of Warranties
THIS WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE.”
LSH FINANCIAL MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:
* MERCHANTABILITY
* FITNESS FOR A PARTICULAR PURPOSE
* NON-INFRINGEMENT
* ACCURACY OF CONTENT
* AVAILABILITY OF SERVICES
WE DO NOT GUARANTEE THAT THE WEBSITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED.
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11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LSH FINANCIAL SHALL NOT BE LIABLE FOR ANY:
* Direct damages
* Indirect damages
* Incidental damages
* Consequential damages
* Special damages
* Loss of profits
* Loss of data
* Business interruption
ARISING FROM OR RELATED TO USE OF THIS WEBSITE.
YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE WEBSITE IS TO DISCONTINUE USING IT.
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12. Indemnification
You agree to defend, indemnify, and hold harmless LSH Financial, its owners, employees, contractors, agents, affiliates, and partners from any claims, liabilities, damages, losses, costs, or expenses arising from:
* Your use of the Website
* Your violation of these Terms
* Your violation of any law or regulation
* Information you submit through the Website
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13. Accessibility
LSH Financial is committed to making its Website accessible to all users.
If you experience difficulty accessing any content or functionality, please contact us so we can provide reasonable accommodations.
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14. Modifications
LSH Financial reserves the right to modify these Terms at any time.
Changes become effective upon posting to the Website.
Continued use of the Website following updates constitutes acceptance of the revised Terms.
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15. Governing Law
These Terms shall be governed by and interpreted under the laws of the Commonwealth of Virginia, without regard to conflict of law principles.
Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located in Virginia.
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16. Contact Information
LSH Financial
Leslie D. Scofield
Email: hello@lesliedscofield.com
Phone: 757-761-0328
Website: www.lesliedscofield.com
Questions regarding these Terms may be directed to the contact information above.
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Additional Pages Recommended for Compliance
For an insurance and Medicare-focused website, I recommend also publishing:
* Privacy Policy
* SMS/Text Messaging Terms & Consent
* Medicare Disclaimer
* California Consumer Privacy Rights Notice (if collecting leads nationwide)
* Website Accessibility Statement
* Contact & Complaint Resolution Policy
Together, these provide a much stronger compliance framework for lead generation, Medicare marketing, and insurance sales.