Terms of
Service.

1. Acceptance

By using this website you accept these Terms of Service and our Privacy Policy. If you do not agree, do not use the site. These terms govern website use; service engagements are governed by their own written agreements.

2. Informational Purpose Only — No Offer or Advice

Nothing on this website constitutes an offer to sell, a solicitation to buy, or a recommendation of any security, investment product, or strategy. Site content is general information, not personalized investment advice, tax advice, or legal advice. Past performance does not indicate future results; all investing involves risk, including loss of principal. Advisory services are provided only under a written engagement agreement — customized and paid by the client — and only where we are properly licensed or exempt.

3. Capacity Disclosure

LRI operates in distinct capacities: (a) principal — dealing for our own account; (b) advisor — customized, fee-paid counsel; (c) fiduciary/agent — trust, estate, escrow, custodial, and transfer administration; and (d) market services — clearing, quotation, and related functions. The applicable capacity, duties, and compensation are stated in each written engagement. Do not assume an advisory relationship exists absent a signed agreement.

4. Engagement Requirements

• Engagements are formed only by written agreement specifying scope, capacity, fees, and governing instruments.
• Fiduciary engagements (trusts, estates, escrow, custody, transfer agency) are performed strictly per the governing document.
• We may decline any engagement, including for conflicts, capacity, or regulatory reasons.
• Client-provided information must be accurate; we may rely on it without independent verification.

5. Fees

Advisory and planning fees are customized and paid by the client — flat or basis-point arrangements disclosed in writing. Principal-side transactions are priced in the transaction documents. Fiduciary and market-service fees follow the governing instrument or fee schedule. Fees quoted in an engagement supersede any general statement on this site.

6. Client Responsibilities

• Provide complete, accurate, timely information and instructions.
• Review deliverables and transaction documents; raise questions promptly.
• Maintain your own tax, legal, and accounting advisers where needed — our services do not replace them.
• Observe the terms of governing instruments in fiduciary relationships.

7. Confidentiality

Engagement information is held confidential per the Privacy Policy and applicable law. We may disclose where required by law, regulation, court order, or the governing instrument, and to service providers and advisers bound to confidentiality.

8. Conflicts of Interest

Because we deal as principal, advise clients, and act as fiduciary, actual or potential conflicts are disclosed and managed under the governing engagement — including capacity marking, information segregation, and client consent where required.

9. Intellectual Property

Site content — text, design, graphics, the vault identity — is the property of L.R.I. Investments LLC. Deliverables produced under engagement are governed by the engagement's terms; our pre-existing methods and materials remain ours.

10. Website Use

• Use the site lawfully; do not probe, disrupt, or extract its systems or data at scale.
• The contact form is for genuine inquiries — no spam, scraping, or automated submission.
• Do not misrepresent identity or affiliation in communications.

11. Third-Party Links

Links to third-party sites are provided for convenience; we do not control and are not responsible for their content or practices.

12. Disclaimers

This site is provided "as is." We disclaim warranties of accuracy, completeness, and fitness for a particular purpose to the maximum extent permitted by law. Market references shown are illustrative, not quotes or offers. Regulatory status for specific activities depends on jurisdiction and will be confirmed in engagement documents.

13. Limitation of Liability

To the maximum extent permitted by law, L.R.I. Investments LLC is not liable for indirect, incidental, consequential, or punitive damages arising from site use, or for losses from reliance on informational content. Liability under service engagements is limited per the written agreement.

14. Indemnification

You agree to indemnify LRI against claims arising from your misuse of this site or from inaccurate information you provide, except to the extent caused by our breach of a written engagement or law.

15. Governing Law and Changes

These terms are governed by the laws of the State of Ohio, without regard to conflict-of-law rules; venue lies in the courts of Franklin County, Ohio, unless an engagement agreement provides otherwise. We may update these terms; the current version is on this page. Contact: h.novak@investme.shop · +1 (839) 867-0266 · 3749 Esquire Dr, Canal Winchester, OH 43110, United States.