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The contents of the Financial Health and Fitness LTC® website pages, including, but not limited to text, graphics, and icons, are copyrighted materials owned or controlled by FH&F, LTC and contain the Financial Health and Fitness LTC name, trademarks, service marks, and trade names. You may use these materials for your personal use only and not for commercial use. No other permission is granted to you to print, copy, reproduce, distribute, transmit, upload, download, store, display in public, alter, or modify these materials. No permission is granted here to you to use the FH&F, LTC icons, site address, or other means to hyperlink other Internet sites with any page in the FH&F, LTC web site, and FH&F, LTC assumes no responsibility for any other party’s site hyperlinked to the FH&F, LTC web site or in which any part of the FH&F, LTC website has been hyperlinked. The Financial Health and Fitness LTC may make improvements and/or changes in the products and/or programs described in this web site, including the terms and conditions of your use of this site, without liability.