Life Notes - Maintain Your Quality of Life Through Balanced Living

Life Notes Agreement and Policies

Life Notes Subscription Agreement | Requirements Policy | Privacy Policy | Refund Policy

Life Notes Subscription Agreement

LifeNotes is a service made available by LifeNotes, LLC. All use of LifeNotes, LLC publications, including all content, information, and services provided on the LifeNotes website, is subject to this Agreement and the following terms of use (“Terms”). By accepting this Agreement, either by clicking a box indicating your acceptance or by executing an order form that references this agreement, you agree to be bound by the Terms. LifeNotes, LLC may update these Terms at any time, without notice to you. 

If you are entering into this Agreement on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind such entity and its affiliates to the Terms, in which case the terms "you" or "your" shall refer to such entity and its affiliates. If you do not have such authority, or if you do not agree with these Terms, you must not accept this Agreement and may not use the Subscription Services. 


a.    "Affiliate" means any entity which directly or indirectly controls, is controlled by, or is under common control with the subject entity. "Control," for purposes of this definition, means direct or indirect ownership or control of more than 50% of the voting interests of the subject entity. 

b.   "Order Form" means the ordering documents for purchases hereunder, whether electronic or otherwise, including addenda thereto, that are entered into between You and Us from time to time. Order Forms shall be deemed incorporated herein by reference. 

c.   "Subscription Services" means pre-packaged or customized set of products in either PDF or print format provided by Us, and includes the online, Web-based applications and platform provided by Us via

d.   "We," "Us" or "Our" means LifeNotes, LLC and its affiliates (collectively referred to in this document as "LifeNotes"). 

e.   "You" or "Your" means the company or other legal entity for which you are accepting this Agreement and Affiliates of that company or entity. 


a.   As part of the Subscription Services, LifeNotes shall deliver to You a full year’s quantity of preprinted newsletters (“Newsletters”). Each copy of the Newsletter shall be accompanied by a mailing envelope and a blank 2-sided insert. Your purchase shall include the option to customize the front cover, back cover, envelope, and 2-sided insert. 

b.   LifeNotes reserves the right to enforce minimum Subscription Services duration. Minimum Subscription Services duration shall be for one full year. 


a.   You shall use the Subscription Services only in accordance with applicable laws and government regulations. You shall not use, intentionally or unintentionally any of the content, information, or services on this website in a manner contrary to or in violation of any applicable international, federal, state, or local law, rule, or regulation having the force of law, including, but not limited to, the CAN SPAM Act, the Telephone Consumer Protection Act, and other applicable regulations regarding direct marketing, telemarketing, email, fax marketing, customer solicitation and privacy. 


a.   Subscription Services package pricing is $1.00 per newsletter package (newsletter, insert, envelope), times quantity ordered (per Month or per Quarter), plus tax (Wisconsin businesses only), plus shipping and handling (calculated at time of 1st order shipment based on weight). 

b.   You shall pay all fees specified in all Order Forms hereunder. Except as otherwise specified herein or in an Order Form, (i) fees are quoted and payable in United States dollars and (ii) fees are based on services purchased and not actual usage. 

c.   If You provide credit card information to Us, You authorize Us to charge such credit card for all Subscription Services listed in the Order Form for the initial Subscription Services term and any renewal Subscription Services term(s). Such charges shall be made in advance, in accordance with billing frequency stated in the applicable Order Form. Life Notes will keep two (2) of Your credit cards on file. If, for some reason, Your first credit card is denied, We will apply the charge to Your second credit card. If the Order Form specifies that payment will be by a method other than a credit card, We will invoice You in advance and otherwise in accordance with the relevant Order Form. Unless otherwise stated in the Order Form, invoiced charges are due net thirty (30) days from the invoice date. You are responsible for maintaining complete and accurate billing and contact information. LifeNotes reserves the right to delay or withhold delivery of Subscription Services until payment in full is received. 

d.   If any charges are not received from You by the due date, then in Our sole discretion, such charges may accrue interest at the rate of 3% of the outstanding balance per month, or the maximum rate permitted by law, whichever is higher, from the date such payment was due until the date paid. 

e.   If any amount owing by You under this or any other agreement for Our services is thirty (30) or more days overdue (or ten (10) or more days overdue in the case of amounts You have authorized Us to charge to Your credit card), We may, without limiting Our other rights and remedies, accelerate Your unpaid fee obligations under such agreements so that all such obligations become immediately due and payable, and suspend Subscription Services to You until such amounts are paid in full. 

f.   Unless otherwise stated, Our fees do not include any taxes, levies, duties or similar governmental assessments of any nature, including but not limited to value-added, sales, use or withholding taxes, assessable by any local, state, provincial, federal or foreign jurisdiction (collectively " Taxes"). You are responsible for paying all Taxes associated with Your purchases hereunder. If We have the legal obligation to pay or collect Taxes for which You are responsible under this paragraph, the appropriate amount shall be invoiced to and paid by You, unless You provide Us with a valid tax exemption certificate authorized by the appropriate taxing authority. 

g.   You shall pay on demand all of Our attorney fees and other costs incurred by Us to collect any fees or charges due Us under this Agreement. 


a.   LifeNotes shall not sell or otherwise use for commercial gain Your name, address, or other contact information.

b.   All LifeNotes content is owned by or licensed to LifeNotes and protected by United States and international intellectual property laws. You shall not, without LifeNotes’ prior written consent remove or alter any author’s name or copyright notices, make print or electronic copies of Newsletters, alter, abridge, adapt or modify LifeNotes content, except as provided herein for purposes of customization. We reserve all rights, title and interest in and to the Subscription Services, including all express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights. No rights are granted to You hereunder other than as expressly set forth herein. 

c.   We shall have a royalty-free, worldwide, transferable, sublicenseable, irrevocable, perpetual license to use or incorporate into the Subscription Services any suggestions, enhancement requests, recommendations or other feedback provided by You, relating to the operation or content of the Subscription Services. 


a.   Term of Agreement. This Agreement commences on the date You accept it and continues until all User subscriptions granted in accordance with this Agreement have expired or been terminated. 

b.   Termination by Us. We reserve the right to terminate this Agreement at any time and for any reason. We shall not be liable to You or any third party for termination of Services. 

c.   Termination by You. You may terminate this Agreement by delivering written notice to Us. The effective date of termination shall be ten (10) days after such notice is received by LifeNotes. Upon termination, LifeNotes shall refund to You all fees paid for subscription services, less fees for materials that were printed prior to the effective date of termination and design costs. 


a.   Electronic Communications. You may contact us using any of the methods described on Our “contact us” and/or “support” page. You consent to receive communications from Us electronically. We will communicate with You by email or by posting notices on this website. You agree that all agreements, notices, disclosures, and other communications that we provide to You electronically satisfy any legal requirement that such communications be in writing. 

b.   Manner of Giving Notice. Except as otherwise specified in this Agreement, all notices, permissions and approvals hereunder shall be in writing and shall be deemed to have been given upon: (i) personal delivery, (ii) the second business day after mailing certified mail, or (iii) the second business day after sending by confirmed facsimile. 

c.   Agreement to Governing Law and Jurisdiction. These Terms are governed by and construed in accordance with the laws of the State of Wisconsin without regard to choice or conflicts of law rules, and any action arising out of or relating to these Terms shall be filed only in the state court located in La Crosse, Wisconsin, or the federal court located in Madison, Wisconsin, and you hereby consent and submit to the personal jurisdiction of such courts for the purpose of litigating any such action. 


a.   Preamble and Recitals. The Preamble and Recitals are incorporated into, and made part of, this Agreement by reference. 

b.   Waiver. Neither any failure nor any delay by LifeNotes in exercising any right, power, or remedy hereunder or under applicable law shall operate as a waiver thereof, nor shall a single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or remedy. 

c.   Severability. If any provision of this Agreement is held by a court of competent jurisdiction to be contrary to law, the provision shall be modified by the court and interpreted so as best to accomplish the objectives of the original provision to the fullest extent permitted by law, and the remaining provisions of this Agreement shall remain in effect. 

d.    Assignment. You shall not assign any of Your rights or obligations hereunder, whether by operation of law or otherwise, without Our prior written consent, which shall not to be unreasonably withheld. Subject to the foregoing, this Agreement shall bind and inure to the benefit of the parties, their respective successors and permitted assigns. There are no third-party beneficiaries to this Agreement. 

Entire AgreementThis Agreement, including all exhibits and addenda hereto and all Order Forms, constitutes the entire agreement between the parties and supersedes all prior and contemporaneous agreements, proposals or representations, written or oral, concerning its subject matter. No modification, amendment, or waiver of any provision of this Agreement shall be effective unless in writing and either signed or accepted electronically by the party against whom the modification, amendment or waiver is to be asserted. However, to the extent of any conflict or inconsistency between the provisions in the body of this Agreement and any exhibit or addendum hereto or any Order Form, the terms of the Agreement shall prevail. 

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Requirements Policy

File Formats:
We accept the following file formats: .TIF, .TIFF, .EPS, .AI, .PSD, .JPG, .JPEG, .PNG & .PDF.

File Names:
Please name your files with your company name. See the below examples:
Advisor/Team Photos: myCompanyName_teamPhoto.jpg / myCompanyName_advisorPhoto.jpg

All file formats must have a minimum of 300 dpi (dot per inch) resolution at 100% of the final print size. Images designed for the web typically cannot be used for printing as they have a low screen resolution of 72 dpi. Print images need to be created at 300 dpi or there will be a substantial drop in the image quality.

We are not responsible for your logo and images being pixelated/blurry due to the upload of a low resolution/quality file.

Fonts: (Logos Only)
If uploading a PDF file of your logo, fonts must be embedded in the PDF file. If uploading an AI or EPS file, fonts must be outlined or converted to paths or curves. Keep in mind that some fonts have copyright restrictions and will not embed in PDF Files.

We are not responsible for fonts not printing correctly if the above font requirements are not met.

Message, Mission/Thank You, and Disclaimer Fields:
Make sure to include paragraph breaks to insure proper printing.

We are not responsible for improper printing if paragraph breaks are not included.

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Privacy Policy

We take your privacy SERIOUSLY and will take all measures to protect your personal information.

What Information Do We Collect?

We only collect information that we need that is related to your order. This includes your:

  • Billing Address
  • Shipping Address
  • Email Address
  • Credit Card Information (2 credit cards needed) 

In addition we also collect information on your IP address, browser type, and Refer URL data. We use this data to prevent hacking attempts, help us know what web browsers people are using, and find out where our visitors are coming from so that we can improve our marketing. 

How Is My Information Used?

Your information is only used to fill your order. We do not sell or redistribute your information to ANYONE.

Security and Storage

Only your order data, billing, shipping, and order contents are stored on our server. This information is encrypted using a Secure Sockets Layer before it is transmitted over a web server. We do not store your Credit Card data. 

Cookies and Browser Information

Cookies are small files that reside on your computer and allow us to recognize you on your next visit or store your shopping cart contents. We use them only to track this information. 

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Refund Policy

Life Notes takes great care in personalizing your order to make it customized to your firm. Life Notes does not assume responsibility for errors in printing due to improper file specifications. 

When you subscribe to Life Notes, the newsletter, inserts, and envelopes for each of the 12 months for the calendar year purchased will be printed and shipped to you. If you decide to discontinue your Life Notes subscription, Life Notes will refund to you the amount of any NON-PRINTED Life Notes newsletters, inserts, and envelopes, minus any design costs. LIFE NOTES CANNOT REFUND YOU ANY AMOUNTS FOR NEWSLETTERS, INSERTS, OR ENVELOPES THAT HAVE ALREADY BEEN PRINTED. Since an entire year of Life notes is printed for your order, the window of opportunity for refund is only from the time the order was received by Life Notes and prior to the printing of your order. Refund amounts will be applied to your credit card or original method of payment (i.e. if a check was written, you will receive a refund check from Life Notes) within 7 to 10 business days. Please note that depending on your credit card company, it may take an additional 2 to 10 business days after your credit is applied for it to post to your credit card account. If your refund is done by check, please allow additional business days to receive the check via USPS mailing. 

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LifeNotes, LLC is a related party of Welshire Capital, LLC ∙ 1113 Riders Club Road, Onalaska, WI 54650 ∙ (608) 783-0003 ∙ 1-800-TAX PLAN ∙ Fax (608) 782-0002 ∙
Securities offered through Comprehensive Asset Management and Servicing, Inc. (CAMAS), 1-800-637-3211, member FINRA/SIPC/MSRB, Brent Welch Registered Representative
Advisory services offered through Welshire Capital, LLC, a Registered Investment Advisor located in Wiconsin. ∙ Welshire Capital, LLC and CAMAS are separate and unrelated companies.