Affordable Life Plans
3410 Midcourt Rd
Suite 105
Carrollton, Texas 75006
Toll Free: 800.374.0668
Site: www.affordablelifeplans.com

Customer Service
Toll Free: 800.374.0668
Fax: 800.346.7915
Email: customerservice@affordablelifeplans.com

Where there is no vision, the people perish... - Proverbs 29:18

At Affordable Life Plans, our mission is simple ... to help you create a vision for your life ... a vision of financial protection and prosperity for you and your loved ones.

Let us provide you with a plan designed to move you to a place of confidence and peace about your future. We provide solutions for all of your life events.

Notice

It is important to have accurate information about you. The type of information we collect varies based on the service you have requested and may include information such as your name, address, social security number, income, expenses, assets and employment history. We receive this information from you on our Client Account Form. We may also receive information from third parties such as credit reporting agencies or other creditors. In addition, we collect and maintain information about your transactions with our affiliates, others, and us. This information includes account balances, payment history, credit card usage, and parties to transactions. In this policy, we refer to this information as "private information."

Legal

Affordable Life Plans, LLC as well as all employees, affiliates, contractors and business partners of same, will not act in the capacity of your legal representative/attorney. Affordable Life Plans is not a law firm nor does it offer legal advice in any capacity. Nothing contained in or from this website is to be construed as Affordable Life Plans engaging in the practice of law. This site does not create an attorney/client relationship. Should you need legal advice, general or specific, consult a licensed attorney in your State.

Copyrights and Trademarks

The content on this site, including all photographs, images, text, graphics, icons, audio clips, software and other aspects thereof (excluding content submitted by you or other third parties), all modifications and/or derivative works based thereon, and the collection, arrangement, and assembly of this site, including all copyrights, trademarks, and other intellectual property or proprietary rights therein, are owned by Affordable Life Plans or our respective licensors. Nothing contained in these Terms of Use shall be deemed to grant to you or any other user any right, title or interest in or to any patent, copyright, trademark or other proprietary or intellectual property right of ours or any of our respective licensors.

Any trademarks that are displayed on this site are the proprietary property of Affordable Life Plans or our respective licensors, as applicable. The trademarks of any third party that may appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Affordable Life Plans. You may not use, copy, modify or display any of the trademarks, service marks, names or logos appearing on the site without the express written permission of Affordable Life Plans or the respective trademark owner. Nothing herein shall be deemed to grant to you or any other user any license or right in or to any patent, copyright, trademark, trade secret or other proprietary right of Affordable Life Plans or its affiliates.

Affordable Life Plans ™ and Affordable Life Plans ™ (logo) are trademarks owned by Affordable Life Plans.

Use of Information and Materials

The information and materials contained on this site and webpage(s), and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of Affordable Life Plans website(s) and systems including unauthorized entry into any of Affordable Life Plans electronic systems by way of misuse of passwords, or use of any information posted on the website is strictly prohibited.

We do not and cannot review the content posted by users on our sites and other electronic media and are not responsible for such content. We reserve the right to remove, at any time and in our sole discretion, any content posted by users of our sites and other electronic media. By accessing and/or otherwise using this site, you agree:

1. You may not post, upload or transmit any content that (i) infringes or otherwise violates any copyright, patent, trademark, trade secret, publicity or privacy right or other proprietary right of any party, or (ii) is proprietary to a third party, without such third party's prior written consent.
2. You understand and agree that we reserve the right to review and delete any content for any or no reason uploaded or transmitted by you to our site, including content that, in our sole and absolute discretion, (i) violates the terms of use of our site(s), (ii) is offensive or illegal, or (iii) may harm, violate the rights of or threaten the safety of any user and/or any other individual or entity.
3. By uploading content to our site(s), you hereby grant, represent and warrant that you have all rights and authority necessary to grant, (i) Affordable Life Plans, our affiliates, and our respective contractors and business partners, an irrevocable, perpetual, non-exclusive, royalty-free, sublicensable, fully paid up, worldwide license and right to use, copy, publicly perform, digitally perform, publicly display, and distribute such content and to prepare derivative works based on, or incorporate into other works, such content, with or without attribution; and (ii) subject to the restrictions set forth in the terms of use set forth herein, to all users an irrevocable, perpetual, non-exclusive, royalty-free license and right to use such content for each such user's personal, non-commercial use. You hereby irrevocably waive and assign to us any and all so-called moral rights you may have in or with respect to any content you post to our site(s).

If you believe any content or any other aspect of our site infringes your copyright, you should send written notice to our designated copyright agent at the address given below, and include the following information:

1. A description of the copyrighted work that you claim has been infringed;
2. A description of where the material that you claim is infringing is located on the site;
3. Your address, telephone number and email address;
4. A statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent or the law;
5. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the owner of the copyright at issue or are authorized to act on the copyright owner's behalf; and,
6. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright at issue.

Please forward this information to our designated copyright agent for notice of claims of copyright infringement:

General Counsel
Affordable Life Plans, LLC
15305 Dallas Parkway, Suite 300
Addison, Texas 75001

No Warranty

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING ANY AND ALL TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS" AND "AS AVAILABLE". AFFORDABLE LIFE PLANS DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF INFORMATION AND MATERIALS. AFFORDABLE LIFE PLANS EXPRESSLY DISCLAIMS LIABILITY FOR ANY AND ALL ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS.

Limitation of Liability

IN NO EVENT WILL AFFORDABLE LIFE PLANS BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING OUT OF OR IN CONJUNCTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF, OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF AFFORDABLE LIFE PLANS, OR ITS REPRESENTATIVES THEREIN ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. FURTHER AFFORDABLE LIFE PLANS IS NOT RESPONSIBLE FOR ANY LOSS, INJURY OR CLAIM ASSOCIATED WITH OR RELATING FROM THE USE OF THIS SITE.

Availability

This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Additional Terms

Certain sections or pages on this site may contain separate terms and conditions, which are in addition to terms and conditions contained herein. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Governing Law and Venue

Use of this site shall be governed by any and all applicable Federal laws or the laws of the State of Texas. Venue is proper in Collin County, Texas and any disputes shall be resolved by a Court of competent jurisdiction in Collin County, Texas.

Affordable Life Plans ™ Privacy Policy

At Affordable Life Plans ™, we recognize the sensitive nature of your personal financial information. We work to protect your privacy at all times.

We have strict information processing procedures, employee hiring processes, secure technology and information vendor policies designed to protect your confidential information from abuse.

We have prepared this summary of the Affordable Life Plans™ privacy policy relative to potential and existing clients. This policy is applicable to all accounts serviced by Affordable Life Plans™ and applies to all consumers who apply to become customers, are customers or former customers.

What Information We Collect

It is important to have accurate information about you. The type of information we collect varies based on the service you have requested and may include information such as your name, address, social security number, income, expenses, assets and employment history. We receive this information from you on our Client Account Form. We may also receive information from third parties such as credit reporting agencies or other creditors. In addition, we collect and maintain information about your transactions with our affiliates, others, and us. This information includes account balances, payment history, credit card usage, and parties to transactions. In this policy, we refer to this information as "private information."

How We Use This Information

Affordable Life Plans™ will not disclose your private information, as described above, to any organization, affiliated or non-affiliated, unless this disclosure:

• (1) is necessary to effect, administer, or enforce a transaction, service, or inquiry you have initiated. For example, we occasionally enter into agreements with companies whose expertise is necessary to provide the service you have requested;
• (2) is necessary to perform marketing services on our behalf, so that we may better understand your financial needs and determine how we can help you meet those needs;
• (3) is necessary to perform joint marketing services for services that might be offered jointly with another institution, that we would offer to you directly; and
• (4) is necessary to facilitate or consummate our business transactions with third parties which does not include the selling of information for the purpose of further solicitation.

In these limited cases where information is shared with other companies that perform services on our behalf or for joint marketing purposes, the information provided is limited to the information they need to perform their function. These companies are also required to maintain the security and confidentiality of the information provided and use it only to perform the specified service on our behalf.

As we stated in our pledge to you, we do not share information with outside companies for the purpose of selling their products and services. Since we do not share information with third parties, beyond what we have disclosed above, accordingly that we do not offer you an opportunity to opt out of this sharing.

Keeping Your Information Private

We take steps to safeguard customer information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your customer information against unauthorized access. We may also ask you for personal information in order to verify your identity when you request assistance from us.

As previously mentioned, if we work with other companies who provide services on our behalf or in the case of jointly offered products, we will maintain contracts with our partners which will require them to comply with our Privacy Policy and to keep this information secure and confidential.

Privacy Online

Our system safeguards include the use of encryption to protect the confidentiality of data that you transmit to us over the Internet. When you visit one of our websites, we may collect and store information about your visit on an anonymous, aggregate basis. This information may include information such as the time and length of your visit, and the pages you looked at on our site. No confidential information is collected from you online, unless you have provided it to us.

Cookies

Cookies are pieces of data assigned by our web server and stored on your computer's hard drive for later retrieval. This helps us recognize you the next time you visit our site. We will not use cookies to record information that will enable anyone to contact you via telephone, e-mail, or regular mail.

You can set your browser to reject cookies or to reject cookies when you are just browsing and accept cookies when you want to conduct online transactions. For instructions on how to accept or reject cookies you may go to Netscape Communicator or Navigator: at www.netscape.com and click on 'Browser Central,' or, Internet Explorer : at www.microsoft.com. Go to the help menu, and click "online support." If you are using a browser other than Microsoft's Internet Explorer or Netscape's Communicator or Navigator, please check directly with your browser's software publisher. We may use a third party tracking service to track information about your visit to our site for market research.

We may also use clear gifs. Clear gifs are used to tag the pages you visit on our site to help us improve the design and content of our site. All of this information is considered confidential and is only available for our use.

Privacy Resources

As a service to our clients we offer ways in which you can reduce the amount of advertising you receive from other companies. Individuals can write to the following agencies:

1. For advertising received through the mail:

Mail Preference Service
c/o Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735-9008

2. For advertising received via the telephone:

Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-9014

Please be sure to include complete information about each name, (first, middle and last name including; Jr., Sr., III), and the address and telephone number you would like excluded from these lists. Also include old addresses and telephone numbers, if individuals have relocated within the last year. The same is true for name changes and the addresses and telephone numbers associated with each name.

Individuals can also have their name taken off pre-approved credit solicitations, by calling 888-50PTOUT (888-567 -8688) or writing to the following credit reporting agencies. Be sure to include name, (first, middle, and last name including; Jr., Sr., III), current address, (previous address if moved in the last six months), and Social Security number.

Experian
Consumers Opt-out
P.O. Box 919 701
Experian Parkway
Allen. TX 75103

Options Equifax, Inc.
P.O. Box 749123
1150 Lake Hearn Dr
Atlanta, GA 30374-0123

Trans Union Corporation
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328

If you have questions about this privacy policy notice please write to us at:

Affordable Life Plans, LLC
3410 Midcourt Rd
Suite 105
Carrollton, Texas 75006

Documents

1. Firm Brochure - Form ADV Part 2A
2. Firm Brochure - ADV Form 2B - James Braxton Talbert
3. Privacy Policy

Affordable Life Plans, LLC only transacts business in states where the firm is properly registered or is exempted from registration requirements.
SEC registration is not an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.
Not all people will qualify for loan forgiveness.