Legal
Terms of Service
Last updated: August 4, 2026
These Terms of Service ("Terms") govern your access to and use of the website operated by L&S Risk Management Health & Welfare Trust ("L&S Trust," "we," "us," or "our") (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.
Use of the Site
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site in any way that violates applicable law, infringes the rights of others, or interferes with the operation or security of the Site.
Informational purposes only
The content on the Site is provided for general informational purposes only. Nothing on the Site constitutes an offer of insurance coverage, legal, tax, or financial advice, or a recommendation of any specific product. Insurance products referenced on the Site are underwritten by participating insurance carriers and are subject to the terms, conditions, limitations, and exclusions of the applicable policies and plan documents. Product availability varies by state.
Intellectual property
The Site and its contents — including text, graphics, logos, and design — are owned by or licensed to L&S Trust and are protected by copyright, trademark, and other intellectual-property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the Site without our prior written consent. All third-party names, logos, and trademarks referenced on the Site are the property of their respective owners.
Disclaimer of warranties
The Site is provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
Limitation of liability
To the fullest extent permitted by law, L&S Trust and its trustees, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Site, even if we have been advised of the possibility of such damages.
Third-party links
The Site may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, policies, or practices of any third-party website, and the inclusion of a link does not imply our endorsement.
Indemnification
You agree to indemnify and hold harmless L&S Trust and its trustees, officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your use of the Site or your violation of these Terms.
Governing law
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Florida.
Changes to these Terms
We may revise these Terms from time to time. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
Contact us
If you have any questions about these Terms, please contact us at partnerships@lstrust.com.