Advisory terms
Effective date: October 6, 2026
Service provider: Livtera LLC
Advisor: Lundi Ramos
Business address: 522 W RIVERSIDE AVE, Suite # 10710, Spokane WA 99201
Business contact telephone: +1(360) 828-3166
Email
1. The basis of the work
Good advisory work requires clarity about what each of us is undertaking.
These terms govern the three advisory offerings purchased through lundiramos.com. Livtera LLC supplies the services, and Lundi Ramos provides the advisory work. In these terms, “I” refers to Lundi’s performance of that work, and “we” refers to Livtera LLC’s contractual obligations.
You must be at least 18 and able to enter a contract. If purchasing on behalf of an organization, you must have authority to commit it to this purchase.
These advisory terms and the product description shown when you purchase govern your advisory commission. They take precedence over conflicting general website provisions concerning paid advisory services. Mandatory legal rights remain unaffected.
2. What you are purchasing
Written perspective, $500 USD
One written assessment addressing one question, based on the context supplied through the required intake.
Written perspective + advisory call, $2,500 USD
The same written assessment, followed by one 60-minute advisory call.
One-year advisory review, $250 USD
One written assessment of a proposed year-long engagement, considering its mandate, intended outcome, relevant institutional conditions, potential fit, and availability where relevant.
Each purchase stands independently. None creates an obligation to purchase or provide another service.
Unless expressly included in the product description, these offerings do not include interviews, independent investigation, audit, implementation, additional questions, revisions to address a new scope, continuing correspondence, or ongoing advisory access.
Reasonable requests to correct a material factual error or address a failure to provide the agreed service are not treated as a purchase of additional advisory work.
Services and written materials are provided in English.
3. Payment and formation of the agreement
Payment is due upfront through the website’s checkout.
The agreement is formed when your successful purchase is confirmed. Your purchase commissions the selected work. No separate acceptance email is required.
Prices and charges are in U.S. dollars. Any tax we are required to collect will be disclosed before payment, with tax-inclusive presentation where required by applicable law.
Your bank or payment provider may apply currency conversion or foreign transaction charges. We do not set those charges.
These purchases do not establish a subscription, recurring payment, or automatic renewal.
4. Intake and the delivery period
Written work will be delivered within 30 business days after both payment is confirmed and the required intake is complete.
Day one is the next business day after both conditions have been met. A business day is Monday through Friday, excluding observed U.S. federal holidays. Dates are calculated using the America/Los_Angeles time zone, including its daylight-saving changes.
Complete intake means that the required questions have been answered with relevant information. You are not required to anticipate every issue the assessment may identify.
If required information is missing or unusable, we will identify the specific omission within five business days after confirmed payment and submission. If we do not send that notice, the submitted intake will be treated as complete for calculating the delivery deadline.
Optional clarification requests do not automatically pause or restart the deadline. Any agreed change to scope or timing will be recorded in writing.
If you do not supply identified missing information within 14 calendar days of our request, we will cancel the commission and refund the payment unless we agree in writing to keep it open.
Written work is delivered to the email address provided with the purchase. Tell us promptly if the address is incorrect or a document cannot be accessed.
5. Time to reconsider
Every purchaser may cancel within 14 calendar days after the agreement is formed, without giving a reason, for a full refund.
We do not begin substantive advisory work during this period. Payment processing, checking whether required intake has been supplied, and administrative correspondence do not incur a separate charge.
This cancellation period is included within the delivery timetable. It does not add 14 days to the 30-business-day commitment.
Where applicable law provides a longer cancellation period or more favorable rights, those rights apply.
To cancel, send a clear statement to hello@lundiramos.com. Include your name and enough information to identify the order. No particular wording is required.
You may also use the online withdrawal function at [[WITHDRAWAL_URL]]. Use of that function is optional; another legally valid cancellation statement remains effective.
A cancellation is timely when sent within the applicable period. A delayed acknowledgment from us does not invalidate it.
6. Cancellation after the initial period
If you cancel after the cancellation period but before substantive work begins, we will refund the full payment.
For Written perspective and Written perspective + advisory call, if substantive written work has begun but has not been delivered, we will refund the unearned portion. Any amount retained must reflect reasonable, documented work actually performed on your commission. We will provide an explanation of the calculation. We will not charge for work not performed, impose an undisclosed hourly rate, or retain an arbitrary cancellation penalty.
For the One-year advisory review, cancellation before delivery of the review receives a full refund.
Once the agreed written work has been delivered, a change of preference or disagreement with its conclusions does not by itself create a refund entitlement. This does not limit remedies for defective, incomplete, or misdescribed services.
For the combined offering, the writing is allocated $500 and the included call $2,000. If you cancel the unprovided call at least 48 hours before its scheduled start, or before scheduling it, we will refund its $2,000 allocation. This allocation cannot reduce a greater remedy required by law.
For shorter-notice cancellation or nonattendance, we will consider rescheduling and any refund due under applicable law. There is no automatic forfeiture of the entire purchase price and no additional penalty charge under these terms.
7. If I cannot undertake or complete the work
I may determine that a request falls outside the work I can responsibly provide, presents a conflict, or cannot be undertaken within the stated period.
If I decline the commission, we will notify you and refund the full purchase price and any associated tax required to be refunded. We do not deduct processing fees when we decline.
If we cannot meet the written delivery deadline, we will notify you before it expires. You may agree to a revised date or cancel for a full refund. Silence does not constitute agreement to an extension.
If the writing has been delivered but I cannot provide the included call, we will refund the $2,000 call allocation and any associated tax required to be refunded, without limiting other applicable remedies.
Refunds will be initiated without undue delay and within 14 calendar days after the cancellation or refund entitlement is established, or sooner where required by law. We will use the original payment method unless you expressly agree otherwise. No refund fee will be charged.
Your provider determines when the refund appears in your account. Exchange-rate movements or issuer charges may affect the amount shown in a non-USD account; this does not reduce what we are required to refund.
8. The included advisory call
The private scheduling link is sent with delivery of the written perspective.
Submit your booking request within 90 calendar days after delivery. The delivery email will state the deadline.
This is a deadline to request scheduling. The call itself is subject to mutual availability and may take place later. If no listed time works, email us before the deadline so that we can arrange a suitable time.
If we cannot agree on a workable appointment within 30 calendar days after a timely request, you may choose a further extension or a refund of the unprovided call allocation.
If the booking-request deadline passes without a request, contact us. We will either agree on later availability or refund the unprovided call allocation. The passage of time alone does not convert an unprovided call into completed work.
Video is preferred. Phone may be arranged when video is not workable for either party.
Relevant decision-makers may attend. Their participation does not expand the original scope or extend the 60-minute duration.
Please provide at least 48 hours’ notice when requesting a change. If I need to change an appointment, your included call remains available and we will arrange another time.
Recording, transcription, or an automated meeting assistant requires the prior agreement of everyone participating.
9. The one-year advisory review
The $250 fee purchases a substantive written assessment of a possible engagement.
A review may identify a basis for working together, conditions requiring attention first, incompatible timing, or reasons not to proceed. A completed assessment concluding that a longer engagement is unsuitable fulfills the review’s scope.
The review does not include a separate strategic written perspective, a call, an implementation plan, or a reserved start date.
Longer engagements begin in seasonal openings. If there is a potential fit, I will indicate relevant availability. Neither party is obligated to proceed.
Any year-long engagement requires a separate written agreement covering scope, responsibilities, fee, start date, duration, termination, and an expressly authorized automatic payment schedule. Purchasing this review does not authorize future charges. The review fee is not automatically credited toward later work.
10. Independent judgment and responsibility
I will perform the agreed work with reasonable care and skill.
The assessment may question the assumptions or direction of a proposed course of action. A purchase does not require agreement with a preferred conclusion.
Advice is based on the information available within the agreed scope. Material uncertainties and limitations will be identified where relevant. No particular financial, institutional, regulatory, commercial, or personal outcome is guaranteed.
You retain responsibility for your organization’s decisions, implementation, management, and compliance obligations. This purchase does not appoint me as an officer, director, agent, fiduciary, or person authorized to act on your behalf.
These services do not include therapy, medical care, crisis response, legal representation, tax advice, or regulated investment advice. Obtain appropriate professional assistance when your circumstances require it. Do not rely on these offerings for an emergency or a deadline earlier than the stated delivery period.
11. Information, confidentiality, and privacy
Provide information you are authorized to share and that you reasonably believe is accurate. Use roles and general descriptions where names are unnecessary.
Do not submit classified information, confidential government identities, personal health records, account credentials, or material requiring a separately agreed security arrangement.
We will treat nonpublic information supplied for the commission as confidential and use it to deliver and administer the service, meet legal obligations, or address a dispute concerning the work.
Access will be limited to people and service providers who reasonably need it for those purposes and are subject to appropriate confidentiality or legal obligations. We will not publish your identity, your question, or the substance of the engagement as a testimonial, case study, or marketing example without permission.
These obligations do not apply to information that lawfully becomes public without our breach, was already lawfully known, is independently developed, or is lawfully obtained from another source. Legally required disclosure is permitted; where lawful, we will notify you before disclosure.
The website intake is not a secure channel for highly restricted material and does not create legal privilege. If such material is essential, raise that issue before transmitting it.
Personal information is handled under the Privacy Policy at https://lundiramos.com/privacy-policy. We remain responsible for applicable obligations when using service providers.
We will not enter identifiable or confidential client material into a general-purpose AI service without prior agreement and an appropriate data-handling arrangement.
Purchasing a service does not subscribe you to marketing communications.
12. Ownership and permitted use
You retain ownership of materials you provide. You grant us the limited permission needed to use them for the commission and its administration. Submission does not grant a general right to reuse your material for marketing or unrelated work.
We retain rights in our pre-existing methods, frameworks, and original written materials.
After payment, you may retain, copy, annotate, and use the delivered work for your own decisions and internal organizational purposes. You may share it with relevant colleagues and professional advisers who understand its context and confidential nature.
Publication, resale, licensing to others, or attribution implying our endorsement requires prior written agreement. Nothing prevents disclosure required by law or to a regulator or professional adviser.
13. Concerns and remedies
If you believe the service was not provided as agreed, contact hello@lundiramos.com with your order number and the concern. We aim to acknowledge complaints within five business days and provide a substantive response within 15 business days, or explain what additional time is reasonably needed.
Depending on the circumstances and applicable law, a remedy may include correction, repeat performance, a price reduction, or a refund.
Nothing in these terms excludes liability that cannot lawfully be excluded, including applicable responsibility for fraud, negligence, failure to exercise required care and skill, or mandatory consumer remedies.
You are not required to waive a lawful complaint, payment dispute, regulatory report, or court remedy.
14. Applicable law, changes, and records
These terms use Washington State law as their general governing framework, subject to applicable conflict-of-law rules and mandatory protections that cannot be removed by agreement.
For consumers, this choice does not deprive you of protections or rights to bring proceedings available under applicable mandatory law. These terms do not require exclusive proceedings in Washington or compulsory arbitration.
The version provided with your purchase governs that commission. Later changes do not retrospectively reduce your rights or alter the purchased scope.
If a provision is unenforceable, it will be disregarded to the extent necessary. The remainder will continue where legally possible.