LIFESTYLE SAFETY LLC

Website Terms of Use

Effective Date: June 4, 2026
LifestyleSafety.com | (313) 450-9543

1. Acceptance of Terms

By accessing or using LifestyleSafety.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.

2. About Lifestyle Safety LLC

Lifestyle Safety LLC is a retirement specialist practice owned and operated by Janine Davis in Metro Detroit, Michigan. Janine holds licenses as a Life and Health Insurance Agent, Independent Medicare Broker, Mortgage Loan Officer (MLO), and Registered Social Security Analyst (RSSA).

3. Not Legal, Tax, or Investment Advice

The content on this Site — including articles, blog posts, downloadable resources, book content, and other materials — is provided for general educational and informational purposes only. It does not constitute legal advice, tax advice, investment advice, or a recommendation to purchase any specific product or service.

Every individual's retirement situation is different. The information on this Site is not a substitute for personalized advice from a qualified professional. You should consult with a licensed attorney, CPA, or financial advisor before making any retirement, estate, or financial planning decisions.

4. Insurance and Medicare Disclosures

• Lifestyle Safety LLC is an independent insurance agency. We may be compensated by insurance carriers for policies purchased through our recommendations. We work to recommend options that are in your best interest.
• Medicare information provided on this Site is general in nature. Medicare has specific enrollment periods, eligibility rules, and plan options that change annually. Always verify current information at Medicare.gov or by contacting us directly.
• We are not affiliated with or endorsed by the U.S. government, the Social Security Administration, or the Centers for Medicare & Medicaid Services (CMS).
• We do not offer every plan available in your area. Currently we represent organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

5. Social Security Information

Janine Davis is a Registered Social Security Analyst (RSSA). Social Security analysis and strategies discussed on this Site are educational in nature. The Social Security Administration (SSA) is the sole authority on benefit eligibility and payment decisions. Nothing on this Site constitutes a guarantee of any Social Security benefit amount.

6. Mortgage and Home Equity Information

Janine Davis is a licensed Mortgage Loan Officer (MLO). Information about home equity strategies, including Home Equity Conversion Mortgages (HECMs/reverse mortgages), is provided for educational purposes only. Reverse mortgages are complex products with significant implications. Consult a HUD-approved housing counselor before proceeding.

7. Use of the Site

You agree to use this Site only for lawful purposes. You may not:

• Use the Site in any way that violates applicable federal, state, or local law
• Copy, reproduce, or redistribute Site content without our written permission
• Attempt to gain unauthorized access to any portion of the Site or its systems
• Use the Site to harass, harm, or deceive other users or third parties

8. Intellectual Property

All content on this Site — including text, images, graphics, logos, the book You Worked Too Hard to Run Out of Money, downloadable worksheets, and other materials — is the property of Lifestyle Safety LLC or its licensors and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any Site content without our prior written consent.

9. Third-Party Tools and Links

Our Site may reference or link to third-party tools, calculators, or websites. We do not control and are not responsible for the content or privacy practices of any third-party site. Links are provided for convenience only and do not constitute an endorsement.

Some pages reference FastWill and other third-party services. Those services are governed by their own terms and policies.

10. Testimonials and Client Stories

Any client stories or composite personas referenced on this Site (including "Detroit Denise" and similar examples) are used for illustrative purposes only. Results vary. Past client outcomes do not guarantee similar results for other individuals.

11. Accuracy and Updates

We make reasonable efforts to ensure the accuracy of information on this Site. However, laws, regulations, Medicare plan options, and Social Security rules change frequently. We do not guarantee that all information is current or complete. Always verify important information directly with the relevant government agency or carrier.

12. Limitation of Liability

To the fullest extent permitted by law, Lifestyle Safety LLC, its owner, agents, and representatives shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this Site or its content. Your sole remedy for dissatisfaction with the Site or its content is to stop using the Site.

13. Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

14. Governing Law

These Terms of Use are governed by the laws of the State of Michigan, without regard to its conflict of law provisions. Any dispute arising from these Terms shall be resolved in the courts of Wayne County, Michigan.

15. Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be effective upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms.

16. Contact Us

Questions about these Terms of Use? Contact us: