Effective Date: January 1, 2026
Last Updated: November 18, 2025

Please read these Terms of Use (“Terms”) carefully before accessing or using any public-facing website, page, blog, marketing resource, or informational content operated by the Institute of Senior Living LLC (“IOSL”, “we”, “us”, “our”).

By accessing or using any IOSL website (“Site”), you agree to be bound by these Terms. If you do not agree, discontinue use immediately.

1. Scope of These Terms

These Terms apply to all visitors and users of IOSL’s publicly accessible Sites, including users who do not hold an IOSL subscription or account. Separate Terms of Service govern paid services and subscriptions.

2. Website Content Disclaimer

IOSL provides educational, informational, and industry-related content for general informational purposes only. Nothing on the Site constitutes professional, financial, investment, legal, or regulatory advice. Use the content at your own risk.

3. Acceptable Use

You agree NOT to:

• Use the Site for unlawful purposes

• Post or transmit abusive, defamatory, offensive, or harmful content

• Attempt to hack, disrupt, or interfere with Site functionality

• Mine or scrape data without permission

• Misrepresent your identity

• Upload viruses, malware, or harmful code

4. Intellectual Property

All content on the Site, —including text, videos, images, graphics, branding, and layout, —is owned by IOSL and protected by copyright and trademark laws. You may view content for personal use only.

You may NOT:

• Copy, reproduce, or distribute content

• Publish IOSL content elsewhere

• Commercialize any part of the Site

• Use IOSL trademarks without permission

5. User-Generated Content

If you comment or submit material to any publicly accessible area, you grant IOSL a non-exclusive, royalty-free, worldwide license to use, reproduce, publish, or display that content. IOSL may remove content that violates these Terms.

6. Third-Party Links

IOSL Our Sites may contain links to third-party websites. IOSL does not endorse nor accept responsibility for external content, privacy practices, or transactions.

7. Privacy

Use of the Site is also governed by the IOSL Online Privacy Notice. Please review it to understand how your data is collected and used.

8. No Warranty

The Site and all content are provided “as is,” without warranties of any kind. IOSL does not guarantee accuracy, completeness, uptime, or error-free content.

9. Limitation of Liability

IOSL is not liable for any damages arising from:

• Use of or inability to use the Site

• Reliance on Site content

• Third-party links or services

• Data loss or interruptions

Your sole remedy is to discontinue use of the Site.

10. Copyright & DMCA Complaints

If you believe that content on the Site infringes your copyright, notify us with:

• Description of copyrighted work

• Location of infringing material

• Contact information

• Good faith statement

• Accuracy declaration

• Signature

DMCA Agent:

Email: dmca@iosl.com

Mailing Address: [Insert Official IOSL Address]

11. Changes to These Terms

IOSL reserves the right to modify these Terms at any time. Continued use of the Site indicates acceptance of updated Terms.

12. Governing Law

These Terms are governed by the laws of Texas. Disputes shall be resolved in Texas courts unless otherwise required by law.

13. Contact Information

For questions regarding these Terms:

Institute of Senior Living LLC

Email: privacy@IOSLacademy.com

Address:66 W Flagler Street, Suite 900, PMB 12064, Miami, FL 33130