Effective Date: September 1, 2026
Last Updated: September 2, 2026
This Financial Education, Risk & Disclosure Policy (“Disclosure Policy”) establishes the principles, disclosures, limitations, and risk considerations applicable to educational information provided by TLAB.
TLAB is a financial education brand operated by and/or through Indefinite Resources LLC (“Indefinite Resources,” “we,” “us,” or “our”).
This Disclosure Policy applies to financial education, information, presentations, seminars, workshops, courses, programs, memberships, publications, social-media content, videos, podcasts, websites, educational materials, examples, illustrations, communications, and other content provided by TLAB.
The purpose of this Disclosure Policy is to help users understand:
The educational nature of TLAB’s services;
The distinction between education and individualized professional advice;
The risks associated with financial products and strategies discussed by TLAB;
The limitations of hypothetical examples and illustrations;
The potential financial relationships and compensation associated with certain products or referrals; and
The importance of conducting independent due diligence and consulting qualified professionals when appropriate.
This Disclosure Policy should be read together with TLAB’s Global Terms & Conditions and Global Privacy Policy.
TLAB primarily provides financial education and general information.
Unless expressly stated otherwise in a separate written agreement and legally permitted, TLAB’s educational content is not intended to constitute:
Individualized investment advice;
Personalized financial planning;
Legal advice;
Tax advice;
Accounting advice;
Estate-planning advice;
Insurance advice;
Securities recommendations;
A recommendation to purchase or sell a specific security;
A recommendation to purchase a particular insurance policy;
A recommendation to establish a particular trust;
A recommendation to establish a particular retirement account; or
Any other individualized professional advice.
Educational information is intended to help individuals understand concepts, terminology, strategies, questions, and considerations so that they can make more informed decisions.
Participation in a TLAB seminar, course, workshop, program, membership, presentation, consultation, or other educational service does not by itself create an attorney-client, accountant-client, investment-adviser-client, financial-planner-client, insurance-agent-client, fiduciary, tax-adviser-client, or other professional relationship.
A professional relationship exists only where legally appropriate and expressly established through a separate agreement or other legally recognized arrangement.
TLAB may discuss investments, securities, asset classes, retirement accounts, portfolio concepts, market concepts, or investment strategies for educational purposes.
Such discussion does not necessarily constitute individualized investment advice.
TLAB does not assume that a particular strategy, security, investment, asset allocation, or financial product is suitable for any particular individual.
Individual circumstances may include:
Income;
Expenses;
Assets;
Liabilities;
Age;
Financial goals;
Risk tolerance;
Investment horizon;
Tax circumstances;
Family circumstances;
Liquidity needs;
Insurance needs;
Employment circumstances;
Existing financial obligations; and
Other factors.
You are responsible for determining whether any financial decision is appropriate for your circumstances.
Investing involves risk.
The value of investments may increase or decrease, and investors may lose some or all of the money they invest.
Past performance does not guarantee future results.
Historical returns, averages, projections, examples, market performance, or other historical information discussed by TLAB should not be interpreted as guarantees of future performance.
No investment strategy is guaranteed to produce a profit or prevent losses.
TLAB may provide educational information concerning Indexed Universal Life (“IUL”) insurance.
IUL is a form of permanent life insurance that generally combines life-insurance coverage with a cash-value component and may use an external index or indices in determining credited interest under the policy’s terms.
IUL policies can contain complex provisions, including:
Premium requirements;
Cost of insurance;
Policy expenses;
Administrative charges;
Surrender charges;
Interest-crediting methods;
Participation rates;
Caps;
Floors;
Spreads;
Loans;
Withdrawals;
Death benefits;
Policy guarantees;
Non-guaranteed values; and
Other contractual provisions.
Actual policy performance depends on the specific policy, insurer, policy charges, credited-interest methodology, premiums, timing, loans, withdrawals, market conditions, and other factors.
An illustration showing favorable policy values does not guarantee those results.
An IUL policy may require ongoing premiums or sufficient policy value to remain in force.
If policy performance, premiums, expenses, loans, withdrawals, or other factors cause policy value to become insufficient, the policy may lapse.
A lapse may result in:
Loss of insurance coverage;
Loss of accumulated value;
Tax consequences in certain circumstances;
Outstanding policy-loan consequences; and
Other financial consequences.
Individuals considering IUL should review the actual policy contract, illustration, disclosures, and carrier documentation.
TLAB does not guarantee that any IUL policy will remain in force for a particular period.
TLAB may discuss accessing cash value through policy loans or withdrawals.
Policy loans and withdrawals can affect:
Cash value;
Death benefits;
Policy guarantees;
Interest accumulation;
Policy sustainability;
Available benefits;
Tax treatment; and
The likelihood of lapse.
Policy loans generally create obligations under the policy and may accrue interest.
An unpaid policy loan may reduce policy benefits and can contribute to policy lapse.
Users should review the specific policy contract and consult appropriately qualified professionals before taking action.
TLAB may discuss potential tax characteristics of life insurance.
Tax treatment depends on applicable law and individual circumstances.
Tax treatment may also depend on whether a policy qualifies as life insurance under applicable law, how premiums and distributions are treated, whether a policy becomes a modified endowment contract, whether a policy lapses with an outstanding loan, and other circumstances.
Tax laws can change.
TLAB does not guarantee that a particular life-insurance transaction will produce a particular tax result.
Individuals should consult a qualified tax professional regarding their circumstances.
TLAB may provide educational information concerning Infinite Banking Concepts (“IBC”), sometimes described as a strategy involving properly structured permanent life insurance and the use of policy cash value and policy loans as part of a personal financial-management framework.
IBC is a concept or strategy, not a guarantee of financial success.
Results can vary significantly depending on:
Policy design;
Insurance company;
Premium level;
Funding period;
Policy expenses;
Interest-crediting performance;
Dividends where applicable;
Loan interest;
Loan type;
Loan repayment;
Withdrawals;
Personal cash flow;
Tax circumstances;
Market conditions; and
Other factors.
TLAB does not represent that IBC is appropriate for every person.
References to accessing money through policy loans should not be interpreted to mean that money is free, costless, or without risk.
Policy loans may accrue interest and can affect policy values and benefits.
The economic cost and consequences of borrowing should be evaluated based on the specific insurance contract and the individual’s circumstances.
Any statement that a person can “become their own bank,” “bank on yourself,” “borrow from yourself,” or similar language is intended as a description of a financial concept and should not be interpreted as a guarantee that a person will replace a commercial bank or eliminate borrowing costs.
TLAB may provide general educational information concerning Roth Individual Retirement Arrangements (“Roth IRAs”).
Roth IRA rules can involve:
Contribution eligibility;
Contribution limits;
Income limitations;
Distribution rules;
Qualified distributions;
Tax treatment;
Conversion rules;
Five-year rules;
Required reporting; and
Other requirements.
Eligibility, contribution limits, tax treatment, and distribution rules may change.
A strategy involving a Roth IRA may have different consequences depending on individual circumstances.
TLAB does not determine whether a particular individual is eligible to establish, contribute to, convert, or withdraw from a Roth IRA.
TLAB may discuss Traditional IRAs, employer retirement plans, 401(k)s, 403(b)s, SEP IRAs, SIMPLE IRAs, and other retirement arrangements.
Retirement accounts may have complex rules involving:
Contributions;
Deductions;
Rollovers;
Transfers;
Conversions;
Required distributions;
Early distributions;
Taxes;
Penalties;
Investment restrictions; and
Beneficiary designations.
For example, federal tax rules generally do not permit loans from IRAs. (IRS)
Because retirement-plan rules vary, users should consult the applicable plan documents and qualified tax or financial professionals before taking action.
TLAB may provide educational information concerning retirement-account rollovers and transfers.
A rollover or transfer can have significant financial and tax consequences.
Individuals should consider:
Fees;
Investment choices;
Tax consequences;
Distribution requirements;
Creditor protections;
Plan features;
Investment expenses;
Administrative services;
Beneficiary provisions;
Loss of existing benefits; and
Other circumstances.
A rollover is not automatically appropriate merely because a different account offers different investment options or features.
TLAB may provide educational information concerning trusts and estate-planning concepts.
These may include:
Revocable trusts;
Irrevocable trusts;
Living trusts;
Testamentary trusts;
Asset-protection concepts;
Estate-tax concepts;
Beneficiary planning;
Legacy planning;
Business succession;
Generational wealth; and
Related concepts.
Trust law varies significantly by jurisdiction.
A trust should not be established, amended, funded, or relied upon solely on the basis of general educational information from TLAB.
Trust documents should be prepared or reviewed by an appropriately qualified legal professional.
TLAB may discuss Section 508(c)(1)(A) of the Internal Revenue Code and concepts involving churches, religious organizations, and organizations that may be treated differently from certain other organizations for federal tax purposes.
Such information is educational only.
Section 508(c)(1)(A) does not mean that every organization claiming a religious or church-related status is automatically tax-exempt, nor does it eliminate applicable legal, tax, reporting, governance, or operational requirements.
An organization’s status depends on applicable law and its specific facts and circumstances.
TLAB does not guarantee that an organization qualifies under Section 508(c)(1)(A), qualifies for tax-exempt treatment, or receives any particular tax result.
Organizations considering this area should consult qualified legal and tax professionals.
TLAB may discuss federal, state, provincial, territorial, or international tax concepts.
Tax information provided by TLAB is educational and general in nature.
Tax consequences can depend upon:
Jurisdiction;
Income;
Filing status;
Entity structure;
Transactions;
Timing;
Ownership;
Residency;
Tax elections;
Applicable exemptions;
Applicable deductions;
Changes in law; and
Individual facts.
Tax laws and administrative interpretations can change.
TLAB does not guarantee any tax deduction, tax savings, tax exemption, tax-free treatment, or other tax result.
Users should consult qualified tax professionals regarding tax matters.
Any discussion of legal structures, trusts, corporations, LLCs, nonprofits, asset protection, estate planning, contracts, liability, or other legal topics is provided for general educational purposes.
TLAB is not acting as your attorney solely because legal concepts are discussed.
Laws vary among jurisdictions and may change over time.
No educational presentation should be treated as a substitute for advice from a qualified attorney.
TLAB may discuss:
LLCs;
Corporations;
Partnerships;
Trusts;
Nonprofit organizations;
Holding companies;
Business succession;
Asset-protection concepts;
Business banking;
Business credit; and
Other business structures.
Creating an entity does not automatically provide complete asset protection.
Asset protection may depend upon:
Proper formation;
Proper capitalization;
Separate accounts;
Proper records;
Contracts;
Insurance;
Corporate formalities;
Applicable law;
Actual business operations; and
Other circumstances.
No structure guarantees protection from creditors, lawsuits, taxes, government action, or other liabilities.
TLAB may provide educational information concerning:
Debt management;
Credit;
Loans;
Lines of credit;
Mortgages;
Business financing;
Policy loans;
Leverage; and
Other forms of borrowing.
Borrowing creates obligations.
Failure to repay debt may result in:
Interest charges;
Fees;
Collection activity;
Damage to credit;
Loss of collateral;
Legal action;
Tax consequences; or
Other adverse consequences.
Leverage can increase both potential gains and potential losses.
No borrowing strategy should be considered risk-free.
TLAB may discuss strategies intended to improve:
Cash flow;
Savings;
Debt management;
Liquidity;
Wealth accumulation;
Financial independence;
Retirement readiness; or
Generational wealth.
These are educational objectives rather than guarantees.
Individual outcomes depend on numerous factors, including income, expenses, discipline, market conditions, taxes, interest rates, financial decisions, economic conditions, and unexpected events.
References to “financial freedom,” “financial independence,” “wealth building,” “generational wealth,” or similar concepts describe educational goals rather than guaranteed outcomes.
TLAB does not guarantee that participation in any course, seminar, strategy, or program will enable an individual to:
Become wealthy;
Retire early;
Become financially independent;
Replace employment income;
Eliminate debt;
Generate passive income;
Build generational wealth; or
Achieve any specific financial objective.
TLAB may use hypothetical examples, projections, scenarios, charts, calculations, illustrations, case studies, or models.
These examples may be used to explain financial concepts.
Unless expressly stated otherwise, hypothetical examples:
Are not predictions;
Are not guarantees;
May not reflect actual results;
May omit fees, taxes, expenses, or other factors;
May use assumptions that do not apply to you;
May be based on historical information; and
May produce materially different results from actual experience.
A hypothetical outcome should never be treated as a representation that you will achieve the same result.
Historical market, investment, insurance, or financial results may be presented for educational purposes.
Historical performance does not guarantee future results.
Past performance may not reflect:
Future market conditions;
Future interest rates;
Future tax laws;
Future inflation;
Future expenses;
Future policy charges;
Future investment performance; or
Future economic conditions.
TLAB makes no guarantee regarding financial, investment, insurance, tax, retirement, business, legal, or wealth-building results.
TLAB does not guarantee that participation in a TLAB program will:
Increase income;
Increase net worth;
Reduce taxes;
Eliminate debt;
Increase investment returns;
Reduce financial risk;
Improve credit;
Create business profits;
Produce insurance cash value;
Produce retirement income;
Create tax-free income;
Create generational wealth; or
Produce any other specific result.
Individual results will vary.
Financial products and strategies may involve fees and expenses.
Depending on the product or strategy, these may include:
Insurance premiums;
Cost of insurance;
Policy charges;
Administrative fees;
Surrender charges;
Loan interest;
Investment-management fees;
Trading costs;
Account fees;
Custodial fees;
Legal fees;
Accounting fees;
Tax-preparation fees; and
Other expenses.
Any financial analysis should consider relevant costs rather than focusing solely on potential benefits.
TLAB may discuss long-term wealth accumulation and financial independence.
Inflation can reduce purchasing power over time.
A dollar received in the future may not have the same purchasing power as a dollar today.
Any long-term financial projection should consider inflation where appropriate.
TLAB does not guarantee that an individual’s assets or income will maintain purchasing power.
Financial outcomes can be affected by:
Inflation;
Interest rates;
Market volatility;
Recessions;
Economic growth;
Unemployment;
Government policy;
Tax changes;
Regulatory changes;
Geopolitical events;
Currency fluctuations;
Insurance-company performance; and
Other factors.
TLAB cannot control these conditions and does not guarantee any particular outcome despite them.
Insurance products are subject to the financial strength, contractual obligations, and claims-paying ability of the issuing insurance company.
Product features vary among insurers and policies.
An illustration, presentation, marketing material, or educational example should not replace review of the actual insurance contract and insurer-issued documents.
Insurance guarantees, where applicable, are subject to the claims-paying ability of the issuing insurer and the terms of the applicable contract.
TLAB may discuss securities, investments, retirement accounts, insurance products, or other regulated financial products.
Nothing in TLAB’s educational content should be interpreted as an offer, solicitation, or recommendation to purchase or sell a security unless such activity is separately authorized and conducted in compliance with applicable law.
Where a particular activity requires a license, registration, qualification, or other regulatory authorization, TLAB and its representatives will not rely solely on this Disclosure Policy to avoid those requirements.
Educational content does not override applicable securities, insurance, tax, banking, consumer-protection, or other regulatory laws.
TLAB may recommend that users consult:
Financial professionals;
Investment professionals;
Insurance professionals;
Attorneys;
CPAs;
Tax professionals;
Estate-planning professionals;
Business attorneys;
Retirement-plan professionals; or
Other qualified professionals.
Users are responsible for independently evaluating the qualifications, services, fees, conflicts of interest, and recommendations of any third-party professional.
A referral or introduction does not constitute a guarantee or endorsement of that professional’s services.
TLAB or Indefinite Resources may have business relationships with third parties.
Depending on the circumstances, TLAB, its affiliates, instructors, representatives, partners, or other parties may receive:
Referral fees;
Commissions;
Compensation;
Marketing fees;
Sponsorship payments;
Revenue-sharing payments;
Other financial compensation; or
Non-monetary benefits.
Where required by applicable law, material compensation arrangements or conflicts will be disclosed.
Compensation does not necessarily mean that a product or service is inappropriate, but users should consider the existence of financial relationships when evaluating recommendations or referrals.
Financial relationships may create actual or potential conflicts of interest.
Examples may include:
Compensation for referrals;
Insurance commissions;
Affiliate relationships;
Ownership interests;
Sponsorship arrangements;
Advertising relationships;
Business partnerships; or
Other financial interests.
TLAB intends to provide disclosures reasonably appropriate to the circumstances and applicable law.
Users should ask questions about compensation and conflicts whenever they believe additional information would help them evaluate a financial product or recommendation.
TLAB may publish testimonials, reviews, case studies, or success stories.
A testimonial represents the experience of the individual providing it and does not necessarily represent the experience of a typical TLAB participant.
TLAB does not intend for testimonials to imply that similar results are guaranteed.
Where applicable law requires additional disclosure concerning typical results, material connections, compensation, incentives, or other circumstances, TLAB will provide appropriate disclosure.
Testimonials must reflect the honest experiences and opinions of the individuals providing them. Applicable advertising standards require endorsements to be truthful and non-misleading, and material relationships may need to be disclosed. (Federal Trade Commission)
A statement such as “results may vary,” “past performance is not indicative of future results,” or similar language is not intended to create a guarantee or imply that a particular result is reasonably expected.
Where TLAB presents a testimonial or example that is not representative of typical results, TLAB intends to provide additional context or disclosure when required.
TLAB recognizes that a disclaimer alone does not necessarily cure a misleading underlying claim.
TLAB intends that its advertising and marketing communications be truthful, accurate, and not misleading.
Claims concerning financial results, savings, income, investment performance, tax benefits, insurance performance, business results, or other objective outcomes should have an appropriate factual basis before being presented as factual claims.
Applicable advertising standards require claims to be truthful, non-deceptive, and appropriately substantiated. (Federal Trade Commission)
TLAB will not intentionally present a rare or extraordinary outcome as though it were an expected outcome.
TLAB may provide financial education through:
Facebook;
Instagram;
YouTube;
TikTok;
LinkedIn;
Podcasts;
Websites;
Blogs;
Email;
Text messages; and
Other platforms.
Short-form content may necessarily omit detailed qualifications or context.
A social-media post, video, comment, or other brief communication should not be interpreted as individualized financial advice.
Users should review complete educational materials and seek professional advice when appropriate.
You are responsible for conducting your own due diligence before acting on financial information.
Before implementing a financial strategy, you should consider:
Your financial circumstances;
Your objectives;
Your risk tolerance;
Your time horizon;
Costs and fees;
Tax consequences;
Legal consequences;
Liquidity requirements;
Alternatives;
Potential disadvantages;
Conflicts of interest; and
Potential losses.
You should obtain independent professional advice when appropriate.
TLAB encourages users not to rely exclusively on any single presentation, instructor, website, course, article, testimonial, illustration, or educational source when making significant financial decisions.
Financial decisions may require review of:
Contracts;
Account statements;
Insurance policies;
Policy illustrations;
Plan documents;
Tax regulations;
Legal documents;
Financial statements;
Professional opinions; and
Other authoritative materials.
Financial, tax, insurance, securities, retirement, trust, nonprofit, and business laws can change.
A strategy that is permitted, advantageous, or commonly used today may become less advantageous, restricted, or unavailable in the future.
TLAB does not guarantee that information presented at one point in time will remain accurate or applicable indefinitely.
Users should verify current laws and regulations before implementing a strategy.
TLAB’s educational materials may be accessed by individuals around the world.
Financial laws, tax laws, insurance regulations, securities regulations, retirement rules, trust laws, and business laws vary substantially among jurisdictions.
Information concerning U.S. financial concepts may not apply outside the United States.
Likewise, information concerning another jurisdiction may not apply to U.S. residents or residents of other jurisdictions.
Users are responsible for determining the laws applicable to their circumstances.
Financial examples may be presented in U.S. dollars or another currency.
Currency values and exchange rates fluctuate.
Examples involving currency conversion are illustrative and may not reflect actual exchange rates, transaction costs, taxes, or fees.
References to terms such as:
“Tax-free”;
“Tax-advantaged”;
“Tax-deferred”;
“Tax-efficient”;
“Tax strategy”;
“Tax savings”; or
Similar terminology
are intended to describe potential characteristics or educational concepts and should not be interpreted as a guarantee of a particular tax result.
Actual tax treatment depends on applicable law and individual circumstances.
References to life insurance or other insurance products do not guarantee:
Approval;
Insurability;
Preferred underwriting;
Premium rates;
Coverage amounts;
Policy availability;
Policy performance; or
Issuance of a policy.
Insurance underwriting is determined by the applicable insurer according to its underwriting standards.
By accessing TLAB’s educational content or participating in a TLAB program, you acknowledge that:
TLAB provides financial education and general information;
Educational information is not automatically individualized professional advice;
Financial products and strategies involve risks;
Past performance does not guarantee future results;
Hypothetical examples are not guarantees;
Testimonials do not necessarily represent typical results;
Tax and legal outcomes depend upon individual circumstances and applicable law;
Financial products may involve fees, costs, conflicts, and risks;
You are responsible for conducting appropriate due diligence;
You should consult qualified professionals when appropriate; and
No TLAB course, seminar, workshop, program, educational material, instructor, or representative guarantees any particular financial outcome.
This Disclosure Policy supplements and forms part of TLAB’s broader legal and compliance framework.
It should be read together with:
TLAB Global Terms & Conditions;
TLAB Global Privacy Policy & International Data Protection Notice;
Applicable registration agreements;
Applicable course or program terms;
Applicable product-specific disclosures;
Applicable insurance or financial-product disclosures; and
Any other written disclosure provided by TLAB.
If a specific product, transaction, or service is governed by a separate written disclosure or agreement, the more specific document may contain additional terms or disclosures applicable to that product or service.
If any provision of this Disclosure Policy is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the maximum extent permitted by applicable law.
An invalid provision will be interpreted or modified to the minimum extent necessary to make it enforceable while preserving its intended purpose, where legally permissible.
Nothing in this Disclosure Policy is intended to waive, eliminate, or limit any legal right, protection, remedy, or regulatory requirement that cannot lawfully be waived.
Where mandatory law provides greater protection than this Disclosure Policy, the mandatory law will control.
Questions concerning this Financial Education, Risk & Disclosure Policy may be directed to:
TLAB / Indefinite Resources LLC
Legal/Compliance Email: [email protected]
Mailing Address:
2965 Colonnade Drive
Roanoke VA 24018
Telephone: 888.802.4033
This Financial Education, Risk & Disclosure Policy is effective as of:
September 2, 2026
Last Updated: September 2, 2026
TLAB / Indefinite Resources LLC reserves the right to update this Disclosure Policy as its educational services, business practices, applicable laws, regulations, and industry requirements evolve.
© 2026 TLAB / Indefinite Resources LLC. All Rights Reserved.