Terms and Conditions

Agreement to Terms

These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://nppss.com and any related services provided by Nonprofit Professional Services (“NPPSS,” “we,” “our,” or “us”). By accessing or using this website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use this website.

These Terms constitute a legally binding agreement between you and NPPSS. Please read them carefully.

Eligibility

You must be at least 18 years of age to use this website. By using the site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

Our Services

NPPSS is a financial services firm founded by Tom Ligare, CLU^®, CAP^®, specializing in executive benefits, charitable giving strategies, and estate planning for nonprofit executives, donors, and the professionals who advise them.

The website provides educational content, information about our services, and tools to schedule consultations. Use of the website does not by itself create an advisor-client relationship. A formal engagement requires a written agreement between you and NPPSS.

Not Professional Advice

Any hypothetical illustrations, case studies, or projections shown on this website are for educational purposes only. Actual results will vary based on individual circumstances, product selection, carrier performance, tax laws in effect at the time, and other factors. Past performance is not indicative of future results.

Tax laws, regulations, and interpretations change frequently. Information on this site reflects our understanding as of the date of publication and may not reflect current law.

Intellectual Property

All content on this website — including text, graphics, logos, images, videos, audio, software, and the selection and arrangement thereof — is the property of NPPSS or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may view and print content from this website for your personal, non-commercial use, provided you do not remove or alter any copyright, trademark, or other proprietary notices. You may not:

• Reproduce, distribute, modify, or create derivative works from any content without our prior written permission
• Use any content for commercial purposes without a license from NPPSS
• Use automated systems (scrapers, bots, data miners) to access or collect content from the site
• Remove or obscure any copyright, trademark, or other proprietary notices

“Nonprofit Professional Services,” “NPPSS,” and associated logos are trademarks of NPPSS. All other trademarks on this site are the property of their respective owners.

User Conduct

When using this website, you agree not to:

• Use the site for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to any portion of the site, other user accounts, or any systems or networks connected to the site
• Interfere with or disrupt the site, its servers, or networks connected to it
• Upload or transmit viruses, malware, or any other malicious code
• Collect or harvest personal information about other users
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Submit false, inaccurate, or misleading information through any form on the site
• Use the site in a manner that could damage, disable, overburden, or impair it

Third-Party Links and Services

This website may contain links to third-party websites, tools, or services that are not owned or controlled by NPPSS. We provide these links for convenience only. We have no control over the content, privacy policies, or practices of third-party sites or services, and we are not responsible for them.

Your use of any third-party website or service is at your own risk and subject to that third party’s terms and privacy policy. We encourage you to read the terms and privacy policy of any third-party site you visit.

Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using this website, you consent to the collection and use of your information as described in the Privacy Policy.

Disclaimers

This website and all content on it are provided “as is” and “as available,” without warranty of any kind, either express or implied. To the fullest extent permitted by law, NPPSS disclaims all warranties, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the site will be uninterrupted, error-free, secure, or free of viruses or other harmful components
• Warranties regarding the accuracy, reliability, completeness, or timeliness of any content on the site
• Warranties that any defects or errors will be corrected

You acknowledge and agree that your use of this website is at your sole risk.

Limitation of Liability

To the fullest extent permitted by law, NPPSS, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, use, goodwill, or other intangible losses — arising out of or in connection with:

• Your access to, use of, or inability to access or use the website
• Any content obtained from the website
• Any unauthorized access, use, or alteration of your transmissions or content
• Statements or conduct of any third party on or through the site
• Any other matter relating to the website

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if NPPSS has been advised of the possibility of such damage.

In jurisdictions that do not allow the exclusion or limitation of certain damages, our liability shall be limited to the maximum extent permitted by law.

Indemnification

You agree to indemnify, defend, and hold harmless NPPSS, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with:

• Your use of the website
• Your violation of these Terms
• Your violation of any rights of another party
• Any content you submit or transmit through the site

Termination

We reserve the right to suspend or terminate your access to the website at any time, without notice, for any reason — including if we believe you have violated these Terms. Upon termination, your right to use the website will immediately cease.

All provisions of these Terms that by their nature should survive termination will survive, including intellectual property provisions, disclaimers, limitations of liability, indemnification, and governing law.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or your use of the website shall be resolved in the state or federal courts located in Santa Barbara County, California, and you consent to the personal jurisdiction of those courts.

You agree that any claim or dispute must be filed within one (1) year after the cause of action arises, or such claim or dispute will be permanently barred.

Changes to These Terms

We may update these Terms from time to time. When we do, we will update the “Last Updated” date at the top of this page. Material changes will take effect upon posting to this site. Your continued use of the website after any such change constitutes your acceptance of the updated Terms.

We encourage you to review these Terms periodically to stay informed of any changes.

Contact Us

Questions about these Terms can be directed to:

By using nppss.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.