The Basics of Using Our Site.

By accessing or using the LTN Collective website or creating an account, you agree to these Terms of Use. If you do not agree, please do not use the site.

The content on this website is provided for general educational and informational purposes only. It is not a solicitation, offer, or recommendation of any specific insurance product, and it does not constitute tax, legal, investment, or financial planning advice.

Some features require an account. You are responsible for providing accurate information, for keeping your login credentials confidential, and for all activity that occurs under your account. Please notify us promptly if you believe your account has been used without your permission.

You agree to use your account and the site lawfully and only for their intended purposes. You may upload only content you are authorized to share, and you may not upload unlawful, harmful, or infringing material or attempt to access data that does not belong to you.

Submitting an application, creating an advisor profile, or uploading documents such as licenses, certifications, resumes, or a headshot does not create an employment relationship and does not guarantee acceptance or publication. LTN Collective is selective and reviews each submission individually. Profiles are published to our public directory only after review.

Our License Verification Center is an informational tool that directs you to the official state Department of Insurance lookup for each state. It is a convenience directory, not an official record. LTN Collective does not issue, control, or guarantee the accuracy, completeness, or availability of any state's licensing data. The official state source is always authoritative; you should rely on the state agency's own result, not on the presence or absence of a link here.

Booking an appointment is a request to meet, not a guarantee of coverage, eligibility, or a specific outcome. Certain appointment types are reserved for verified existing clients. Please provide accurate information and give reasonable notice if you need to reschedule or cancel. Appointments may be rescheduled or declined at our discretion.

Our referral feature lets existing clients share a private referral code so we can recognize referrals. It is a courtesy connection, not a paid or commission-based referral program, and it does not create any obligation for you or the person who referred you. Invalid, mismatched, duplicate, or self-referrals may be disregarded.

Insurance services are provided by licensed insurance professionals. LTN Collective is a brand led by Lisa T. Nguyen. Product availability, benefits, eligibility, and plan options vary by carrier, state, and individual circumstances.

Our site may contain links to third-party websites and tools. We are not responsible for the content, policies, or practices of those third parties.

All content on this website, including text, graphics, and branding, is the property of LTN Collective or its licensors and may not be used without permission. Content you upload remains yours; by uploading it you grant us permission to store and use it as needed to review your application and operate the platform.

We may update these Terms of Use from time to time. Continued use of the site or your account after changes are posted constitutes acceptance of the updated terms.