Estate Planning Hub Site Policies

This is a free website for the visitor. We do the best we can to provide you with general, understandable information that will assist you in your search for estate planning information. For more about the "how and why's" of this site, check out About Us.

Obviously, we cannot be all things to all people. So, we have a disclaimer and other policies, without which, this site would not be possible. When you use this website you agree to certain terms of use. Those terms include your acknowledgement of, and agreement to, the site policies that follow.


This website educates the general public – not lawyers or estate planning professionals. Because, complex legal issues are boiled down to understandable concepts – not every facet of the issue can be thoroughly addressed.

Attorneys and laymen alike are welcome to participate and post comments on the various forums on this site. However, no one is permitted to use Estate Planning Hub to solicit clients or practice law in any fashion. No one is paid for anything they write on this site.

The purpose of our forums is to stimulate discussion and share experiences regarding topics of interest. However, please note the submissions are not reviewed for legal accuracy. They may not apply to your situation and should not be considered legal advice. For specific legal advice you must consult with your attorney.

All comments or other information that you send to through our site (other than information we specifically, in writing, promise to protect) becomes and remains our property, even if this agreement is later terminated.

We don't have to treat any such submission as confidential. We are free to use any ideas you submit. If we use them, or anything like them, we don't have to compensate you or anyone else for them. We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we feel appropriate to our mission, without compensating you or anyone else for them. Often we publish reader submissions on the web site.

You acknowledge that you are responsible for any submission you make. You are responsible for the message, including its legality, reliability, originality, and copyright.

You may see advertisements on this website. As a matter of policy, this website does not recommend specific purchases. Rather, we provide information and choices so that readers can make informed decisions.

Throughout the site, links are provided to other sites for informational purposes. We obviously make no representations, whatsoever, about the accuracy or content of those sites. We are not responsible for any damages you feel occurred to you from using any such linked site.

Obviously, cannot give you legal advice. Only an attorney, you retain, licensed in your state can give you legal advice.

Estate planning laws are somewhat different in each of the 50 states. Also, these laws change from time to time. No one can stay abreast of all laws, and their amendments, in all 50 states. That would simply be impossible. We make no promises and provide no warranty (express or implied) about the accuracy or completeness of the information provided on this site.

It is important to recognize that there may be facts, circumstances, and other areas of the law, that may impact on your particular case, and are not contemplated or discussed on this site.

We are not, and cannot be, a substitute for legal advice you can only receive from your attorney. You cannot rely on information contained on this site for legal advice. Nothing on this site, or in any e-mail message, or any other communication from us, constitutes advice addressing any particular, personal situation. Furthermore, we never develop an attorney-client relationship or give legal advice. The only way you can obtain legal advice you can rely on is to obtain it from an attorney, licensed in your state, who has training and experience in estate planning.

This site does not provide any information about the laws of countries other than the United States.

The information on this site is not totally comprehensive. Some of it may not be accurate as it applies to you. It does not cover every issue that may be relevant to your situation. No warranty, expressed or implied, is made by the owners or authors of this site regarding use or application of the information on the site. Neither the owners of this site nor its authors can be responsible or liable for any damages that may possibly result from the use of any information on this site.

If you have any legal dispute with this site, by using this site, you agree that the dispute will be governed by the laws of the State of Virginia without regard to its conflict of law provisions. You agree to personal jurisdiction by, and venue in, the state courts of Virginia and federal courts located in the Eastern District of Virginia. You agree to indemnify and hold, its officers and employees, harmless from any loss, liability, claim or demand, including reasonable attorney's fees, made by any third party due to or arising out of your use of the site.

This site accepts advertising and receives other forms of compensation. Such compensation does not influence the information in this site. We always give our honest opinions, findings, beliefs, or experiences. Please do support our sponsors and recommendations. This site takes time and effort to deliver original content, free, to you. Supporting our sponsors is a WIN-WIN-WIN for you, me, and them. Thank you very much.


We recognize that your privacy is important. This documentoutlines the types of personal information we receive andcollect when you use, as well as someof the steps we take to safeguard information. We hope thiswill help you make an informed decision about sharingpersonal information with us.

The search boxes on this web site are powered by Google Inc. You acknowledge and agree that Google’s privacy policy (located at shall apply to your use of the Search Box and by using a search box you consent to Google using your personal data in accordance with its privacy policy. strives to maintain the higheststandards of decency, fairness and integrity in all ouroperations. Likewise, we are dedicated to protecting ourcustomers', consumers' and online visitors' privacy on ourwebsite.

Personal Information collects personally identifiableinformation from the visitors to our website only on avoluntary basis. Personal information collected on avoluntary basis may include name, postal address, emailaddress, company name and telephone number.

This information is collected if you request informationfrom us, participate in a contest or sweepstakes, and signup to join our email list or request some other service orinformation from us. The information collected is internallyreviewed, used to improve the content of our website, notifyour visitors of updates, and respond to visitor inquiries.

Once information is reviewed, it is discarded or stored inour files. If we make material changes in the collection ofpersonally identifiable information we will inform you byplacing a notice on our site. Personal information receivedfrom any visitor will be used only for internal purposes andwill not be sold or provided to third parties.

Use of Cookies and Web Beacons

We may use cookies to help you personalize your onlineexperience. Cookies are identifiers that are transferred toyour computer's hard drive through your Web browser toenable our systems to recognize your browser. The purpose ofa cookie is to tell the Web server that you have returned toa specific page. For example, if you personalize the sitespages, or register with any of our site's services, a cookieenables to recall your specificinformation on subsequent visits.

You have the ability to accept or decline cookies bymodifying your Web browser; however, if you choose todecline cookies, you may not be able to fully experience theinteractive features of the site.

A web beacon is a transparent image file used to monitor your journey around a single website or collection of sites. They are also referred to as web bugs and are commonly used by sites that hire third-party services to monitor traffic. They may be used in association with cookies to understand how visitors interact with the pages and content on the pages of a web site. Browsers can be set to accept or reject cookies or notify you when a cookie is being sent. Privacy software can be used to override web beacons. Taking either of these actions shouldn't cause a problem with our site, should you so choose.

We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.

In addition, Google, as a third party vendor, uses cookies to serve ads to our site. Google's use of the Dart cookie enables it to serve ads to visitors based on visits to our site and other sites on the Internet. Visitors may opt out of the Dart cookie by visiting the Google ad and content network privacy policy. Google may use interest based advertising where they recognize the types of webpages users visit across the Adsense network.This helps advertisers reach users on the basis of their interests.

Non-Personal Information

In some cases, we may collect information about you that isnot personally identifiable. We use this information, whichdoes not identify individual users, to analyze trends, toadminister the site, to track users' movements around thesite and to gather demographic information about our userbase as a whole. The information collected is used solelyfor internal review and not shared with other organizationsfor commercial purposes.

Release of Information

If is sold, the information we haveobtained from you through your voluntary participation inour site may transfer to the new owner as a part of the salein order that the service being provided to you maycontinue. In that event, you will receive notice through ourwebsite of that change in control and practices, and we willmake reasonable efforts to ensure that the purchaser honorsany opt-out requests you might make of us.

How You Can Correct or Remove Information

We provide this privacy policy as a statement to you of ourcommitment to protect your personal information. If you havesubmitted personal information through our website and wouldlike that information deleted from our records or would liketo update or correct that information, please use our Contact Us page.

Agreeing to Terms

If you do not agree to’s PrivacyPolicy as posted here on this website, please do not usethis site or any services offered by this site.

Your use of this site indicates acceptance of this privacypolicy.

Children's Online Privacy Protection Act

This website is directed to adults; it is not directed tochildren under the age of 13. We operate our site incompliance with the Children's Online Privacy ProtectionAct, and will not knowingly collect or use personalinformation from anyone under 13 years of age.

Updates and Effective Date reserves the right to make changes in the above policies. If there is a material change in our privacy practices, we will indicate on our site that our privacy practices have changed and provide a link to the new privacy policy. We encourage you to periodically review this policy so that you will know what information we collect and how we use it.


All content on is copyrighted under United States copyright laws. You are allowed to use any material on the site for your own personal informational purposes. However, you may not use it for commercial purposes without express written approval from Information on this site cannot be posted on another web site without prior, written approval from us.

Our mailing address is:

Estate Planning Hub
4384 Kevin Walker Drive
PMB # 138
Montclair, VA 22025

Of course you can always reach us by use of our Contact Us form.

Your use of this web site constitutes your agreement to the terms listed above.

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--by Beth Heikkinen
Marquette, Michigan
I just want to thank you for this site. It answered my questions. I think many people that do research on the net take it for granted and when they find what they are looking for they forget "someone put time, money, etc into providing me with this information."

Thank you!

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