Terms of Use

 Welcome to The Missing Option, a resource and information brand operated by Bottom Line Solutions, LLC.

These Terms of Use govern your use of BottomLineSolutions.net, including The Missing Option website content, investigations, articles, free resources, downloadable products, workbooks, planning tools, checklists, templates, and other materials made available through the website.

By accessing or using this website or purchasing or downloading materials from us, you agree to these Terms of Use. If you do not agree with these terms, please do not use the website or its materials.

The Missing Option provides educational information, research-based resources, practical planning tools, and problem-solving frameworks intended to help people better understand and navigate difficult real-world situations.

Our goal is to identify where conventional solutions may fall short, examine possible barriers and alternatives, and help users identify practical questions, resources, and next steps.

Our content is intended to inform and assist your own decision-making. It does not make decisions for you.

Content provided through The Missing Option is for general educational and informational purposes only.

Unless expressly stated otherwise, our website, articles, investigations, workbooks, guides, checklists, planning tools, templates, and other resources are not individualized:

medical or nursing advice; mental-health advice; legal advice; financial or tax advice; insurance advice; employment advice; benefits or social-services advice; case-management services; or professional safety assessments.

Information provided through this website should not be treated as a substitute for individualized advice, evaluation, diagnosis, treatment, representation, or services from an appropriately qualified professional.

If a situation involves an immediate medical, safety, psychiatric, legal, financial, or other emergency, seek assistance from the appropriate qualified professional or emergency authority rather than relying on information provided through this website.

Your use of this website, purchase of a product, download of a resource, submission of a contact form, or communication with The Missing Option or Bottom Line Solutions, LLC does not create a healthcare-provider, therapist-client, attorney-client, financial-advisor, fiduciary, social-worker, case-management, employment, or other professional relationship.

We may provide information intended to help you formulate questions, organize circumstances, locate possible resources, or consider alternatives, but you remain responsible for obtaining individualized professional guidance when your circumstances require it.

Some resources offered by The Missing Option contain original planning frameworks, classifications, worksheets, decision tools, terminology, or methods developed by Bottom Line Solutions, LLC.

Unless specifically identified otherwise, these organizational tools should not be interpreted as clinically validated assessment instruments, professional diagnostic tools, legal tests, or officially endorsed governmental or healthcare methodologies.

They are designed to help users organize information, identify possible barriers or opportunities, and think more systematically about a problem.

We make reasonable efforts to provide useful and accurate information and, when appropriate, identify authoritative or established sources for outside programs, research, regulations, benefits, or services.

However, information can change.

Programs may close or change eligibility requirements. Funding may change. Laws and regulations may change. Providers may change their services or availability. Websites may move. Research may develop. Costs, waitlists, geographic coverage, and other circumstances can also change.

We therefore do not guarantee that every piece of information on the website or in a downloadable resource will remain complete, current, or applicable to every user's circumstances.

When information could materially affect an important decision, users should verify current information directly with the applicable organization, government agency, provider, or qualified professional.

The Missing Option is built around finding possibilities—not promising outcomes.

We do not guarantee that a particular strategy, resource, program, provider, recommendation, planning framework, or approach will be available, appropriate, affordable, successful, or effective in your particular circumstances.

Results can depend on factors outside our control, including eligibility, geography, finances, health, family circumstances, provider availability, laws, individual preferences, and the actions of third parties.

The absence of a successful outcome does not necessarily mean that information or a planning approach was used incorrectly.

Unless a product expressly states otherwise, purchasing a downloadable product from The Missing Option gives the purchaser a limited, non-exclusive, non-transferable license for personal, non-commercial use.

Purchasing a digital product does not transfer ownership of the copyright or intellectual property contained in that product.

You may download and save your purchased product to your own devices and print copies reasonably necessary for your personal use.

For caregiving products, you may also share relevant completed pages, instructions, schedules, care information, or excerpts with family members, caregivers, healthcare providers, helpers, or others who are directly involved in the specific caregiving situation for which you purchased the resource.

For example, if you complete a helper schedule, handoff sheet, care brief, or planning worksheet, you may give that completed information to the person who needs it to carry out the plan.

That does not give permission to distribute the entire blank workbook or product to other households, clients, organizations, groups, or unrelated individuals.

Unless you receive prior written permission from Bottom Line Solutions, LLC, you may not reproduce, copy, republish, resell, sublicense, distribute, upload, post, or commercially exploit our paid digital products or substantial portions of them.

You may not make a purchased product available through a public website, shared-download site, public cloud folder, online group, social-media page, file-sharing service, course, membership program, client library, or other distribution system.

You may not remove copyright notices or represent our materials, frameworks, wording, designs, or other original content as your own work.

You also may not purchase one copy for the purpose of distributing it to multiple unrelated users or using it as a professional resource for multiple clients unless we have expressly granted permission for that type of use.

If you are interested in organizational, professional, educational, group, or multiple-user use of one of our resources, please contact us regarding permission or licensing.

Unless otherwise indicated, original website content and materials created by The Missing Option or Bottom Line Solutions, LLC—including text, workbooks, worksheets, planning tools, graphics, branding, original frameworks, downloadable products, and other original materials—are protected by applicable copyright and intellectual-property laws.

Third-party names, trademarks, logos, publications, or other materials referenced on the website remain the property of their respective owners.

Reference to an outside organization or resource does not transfer ownership of that organization's intellectual property to us, nor does our use of our own original materials transfer ownership to website visitors or purchasers.

Prices and product descriptions are displayed before purchase and may be changed for future purchases at any time.

Payments for digital products may be processed through Stripe or other payment providers identified at checkout. Payment providers may collect and process information according to their own terms and privacy practices.

Completing a purchase authorizes the applicable payment provider to process the amount displayed at checkout, including any applicable taxes or other charges shown before payment.

If a payment cannot be completed, is reversed, is determined to be fraudulent, or is otherwise invalid, access to the associated product may be withheld or revoked where appropriate.

Digital products are delivered electronically or otherwise made available after successful payment.

You are responsible for providing an accurate email address or other information necessary for delivery.

If you purchase a product but do not receive access to it, receive the wrong product, or experience a technical problem that prevents you from using the file, please contact:

support@bottomlinesolutions.net

We will make reasonable efforts to correct legitimate delivery or file-access problems.

Purchases are subject to our separate Refund, Dispute & Cancellation Policy, which is incorporated into these Terms of Use.

Because our current digital products are one-time purchases rather than subscriptions or memberships, they do not ordinarily involve recurring charges or ongoing cancellation requirements.

Please review the Refund, Dispute & Cancellation Policy before purchasing a digital product.

Nothing in these Terms or our refund policy is intended to eliminate any consumer right that cannot lawfully be waived.

We may make certain guides, checklists, templates, downloads, articles, or other resources available without charge.

Unless otherwise stated, free resources remain copyrighted and are provided for personal, non-commercial use.

The fact that a resource is offered without charge does not place it in the public domain or automatically authorize resale, republication, commercial distribution, or representation of the material as someone else's work.

Our website may provide information about books written, edited, or published by us and may link visitors to Amazon, IngramSpark, booksellers, or other third-party retailers.

Purchases completed through an outside retailer are transactions with that retailer and are subject to the retailer's applicable payment, delivery, privacy, return, and customer-service policies.

The Missing Option and Bottom Line Solutions, LLC do not control the operation or policies of third-party retail platforms.

The Missing Option may link to or discuss government agencies, nonprofit organizations, healthcare organizations, professional resources, businesses, research publications, benefits programs, service providers, or other third parties.

We provide these references because they may be useful starting points.

Unless expressly stated otherwise, inclusion of a resource does not mean that the outside organization sponsors, endorses, approves, or is affiliated with The Missing Option or Bottom Line Solutions, LLC.

We do not control third-party websites, programs, policies, services, security practices, availability, or content.

When you leave our website and visit another website, that organization's terms and policies apply.

You are responsible for determining whether information, recommendations, providers, programs, resources, products, or planning approaches are appropriate for your own circumstances.

When using caregiving materials in particular, you remain responsible for determining whether another person's involvement is safe, appropriate, lawful, and within that person's qualifications, authority, training, and abilities.

A person's willingness to help does not necessarily mean that the person is qualified to perform a medical, safety-sensitive, financial, legal, or other high-risk task.

Professional evaluation or guidance should be obtained when appropriate.

We may modify, update, remove, replace, suspend, or discontinue website content, products, features, downloads, or resources at any time.

We do not guarantee uninterrupted access to the website or that every feature or product will remain permanently available.

Temporary interruptions may occur because of website maintenance, hosting issues, payment-provider outages, internet problems, security concerns, or circumstances beyond our control.

Use of this website is also subject to our Privacy Policy, which explains the types of information that may be collected, how that information is used, when it may be shared, and the measures used to help safeguard it.

Please review the Privacy Policy before submitting personal information or making a purchase.

To the extent permitted by applicable law, Bottom Line Solutions, LLC, The Missing Option, and their owners, authors, contributors, and affiliates are not responsible for losses or damages resulting solely from a user's reliance on general informational content as a substitute for individualized professional advice or from the actions, availability, services, products, decisions, or failures of unaffiliated third parties.

Nothing in these Terms is intended to exclude or limit liability where doing so would be prohibited by applicable law.

We may update these Terms of Use as our website, products, business practices, or legal obligations change.

The current version will be posted on this page, and the effective date at the top will be updated when appropriate.

Your continued use of the website after revised Terms are posted means that your future use of the website is subject to the revised Terms.

Questions about these Terms of Use, use of our copyrighted materials, product licensing, or your purchase may be directed to:

The Missing Option
A resource and information brand of Bottom Line Solutions, LLC

Email: support@bottomlinesolutions.net
Website: BottomLineSolutions.net