TERMS OF SERVICE

Please read these Terms and Conditions carefully before using Our Service.

Last updated 10/21/2025
The info provided on this site or in any communication containing a link to this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Norient Community Services or its affiliates to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by Norient Community Services or its affiliates to buy or sell any securities, futures, options, or other financial instruments or provide any investment advice or service...

References to "Norient Community Services" refer to any company within the Norient Community Services, Pierce, Fenner & Smith Incorporated group of companies, which are wholly owned by ASIAS Brands LLC.

Securities and Service Bank Products:

• Are Not FDIC Insured
• Are Not Bank Guaranteed
• May Lose Value
• Are Not a Bank Deposit
• Are Not a Condition to Any Banking Service or Activity
• Are Not Insured by Any Federal Government Agency

DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY
The information on this site is provided "AS IS". Norient Community Services does not warrant the accuracy of the materials provided herein, either expressly or implied, for any particular purpose and expressly disclaims any warranties of merchantability or fitness for a particular purpose. Norient Community Services will not be responsible for any loss or damage that could result from interception by third parties of any information made available to you via this site. Although the information provided to you on this site is obtained or compiled from sources we believe to be reliable, Norient Community Services cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither Norient Community Services, nor any of its affiliates, directors, officers or employees, nor any third-party vendor will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Norient Community Services or of any vendor providing software or services support. In no event will Norient Community Services, its affiliates or any such parties be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind, even if Norient Community Services or any other party have been advised of the possibility thereof.

This material provides general information only. Neither the information nor any views expressed constitutes an offer or an invitation to make an offer, to buy or sell any securities or other investment or any options, futures or derivatives related to such securities or investments. It is not intended to provide personal investment advice and it does not take into account the specific investment objectives, financial situation and the particular needs of any specific person who may receive this material. Investors should seek financial advice regarding the appropriateness of investing in any securities, other investment or investment strategies discussed in this report and should understand that statements regarding future prospects may not be realized. Investors should note that income from securities or other investments, if any, may fluctuate and that price or value of such securities and investments may rise or fall. Accordingly, investors may receive back less than originally invested. Past performance is not necessarily a guide to future performance. Any information relating to the tax status of financial instruments discussed herein is not intended to provide tax advice or to be used by anyone to provide tax advice. Investors are urged to seek tax advice based on their particular circumstances from an independent tax professional.

COPYRIGHT OR OTHER NOTICES
You agree that, under any circumstance, you will not (and that you will not authorize or permit any other person to): sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to this site, or any portion thereof or data thereon, to any person, including through oral, written, or electronic means whether as a demonstration or otherwise;
photocopy, download or otherwise reproduce in any medium any portion of the site, except that you may, for your own personal use, download onto your personal computer system, or print a hard copy of, limited portions of content on the site, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; and/or alter, decompile or reverse engineer any software component of the sites.

NON-MEDICAL / NON-PROFESSIONAL SERVICES DISCLAIMER
Norient Community Services provides non-medical advocacy, coordination, and support services only. Norient is not a healthcare provider, home health agency, insurance company, financial institution, legal service provider, tax advisor, or fiduciary. Norient does not provide medical care, medical advice, diagnosis, treatment, legal advice, financial planning, tax guidance, or insurance products. Members are encouraged to consult licensed professionals for medical, legal, financial, or tax matters as appropriate.

SERVICE BANK DEFINITION
The Norient Service Bank is a service-only credit system designed to track a member’s accumulated access to Norient services. The Service Bank is not a bank account, savings account, investment, escrow, or trust. Service Bank balances are not cash, do not earn interest, and have no monetary value outside of Norient services. Service Bank credits may only be applied toward eligible Norient-provided services and are subject to vesting periods, eligibility requirements, geographic availability, and available balance.

VESTING PERIOD & ACCESS RULES
All Norient plans are subject to a two-year vesting period. During the vesting period, members may contribute to their Service Bank but may not request services unless otherwise specified in writing. After the vesting period, members may request services in accordance with their plan tier, age group, and Service Bank balance. Service frequency, scope, and availability may increase with age and tenure, subject to program guidelines in effect at the time of the request.

GUARANTEED ACCESS VS. CONDITIONAL SERVICES
Participation in Norient guarantees access to defined non-medical advocacy and coordination services as outlined in the applicable membership agreement. Certain services may be conditional and subject to eligibility requirements, geographic availability, age, timing, third-party availability, and sufficient Service Bank balance. While Norient commits to providing access to its services, the scope, timing, and manner of delivery may vary based on these factors.

MEMBER RESPONSIBILITY
Members retain full responsibility for their healthcare, housing, financial, legal, and personal decisions. Norient may assist with coordination, advocacy, accompaniment, documentation support, and communication, but does not make decisions on a member’s behalf unless expressly authorized in writing. Norient does not assume responsibility for outcomes related to third-party providers, facilities, professionals, or family decisions.

EMERGENCY SERVICES & LIMITATION OF LIABILITY
Norient is not an emergency response service. In the event of an emergency, members or their representatives should contact local emergency services immediately. Norient is not liable for delays, interruptions, or outcomes caused by emergencies, third-party actions, force majeure events, or circumstances beyond Norient’s reasonable control. To the fullest extent permitted by law, Norient’s liability is limited to the value of services provided under the member’s active plan.

PET SERVICES DISCLAIMER
Pet-related services provided by Norient are non-medical in nature and may include coordination, companionship, and end-of-life aftercare support. Norient does not provide veterinary care, diagnosis, treatment, or medical advice for animals. All veterinary and medical decisions remain the responsibility of the pet owner or licensed veterinary professionals. Pet services are subject to availability, provider coordination, and Service Bank balance.

PAYMENTS, FEES & BILLING
Membership fees are billed on a recurring basis using a third-party payment processor. By enrolling, members authorize Norient to charge the selected payment method in accordance with the chosen plan. Payment processing fees may reduce the net amount credited to the Service Bank. Norient’s billing policies govern refunds, cancellations, failed payments, and reinstatements in effect at the time of enrollment.

ROLLOVER, TRANSFER & REVERSION OF SERVICE BANK BALANCES
Service Bank balances may be eligible for rollover to designated family members under specific conditions outlined in the membership agreement, including age requirements and waiting periods. In the event of a member’s death, Service Bank balances may be applied toward approved expenses, transferred, or continued under a successor plan. If balances remain unclaimed beyond the stated period, they may revert to Norient as program income and are not subject to dispute once conditions are met.

GOVERNING LAW, DISPUTE RESOLUTION & VENUE
These Terms of Service are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any disputes arising under or related to Norient services shall be resolved in accordance with the dispute resolution procedures outlined herein, which may include arbitration or mediation. Venue for any permitted legal action shall be exclusively within New York, NY, unless otherwise required by law.

MODIFICATIONS TO SERVICES & TERMS
Norient reserves the right to modify, update, or discontinue services, pricing, policies, or program features at any time. Members will be notified of material changes as required by law. Continued participation in Norient after changes take effect constitutes acceptance of the updated terms.

PRIVACY & DATA USE
Norient collects and uses personal information in accordance with its Privacy Policy. Member information is used to provide services, manage accounts, and improve program offerings. Norient does not sell personal data without consent and implements reasonable safeguards to protect member information. 

For questions regarding these Terms of Service, please contact support@norientcs.com