Business ProfileforTrue Freedom

True Freedom ("TF") obtains contracts from clients under which clients promise to pay monthly, quarterly, or annual fees for home care plans for seniors. I and my wife *****, signed separate contracts for this service on September 4, 2020 (copy attached Rays Contract). With **** Contract an initial first year full payment of $4,845 was made for the Platinum (highest level) level of ****** hours of lifetime care. Our next quarterly payments were due March 4, 2023 with a grace ****** until early April, 2023. It was a quarterly payment for $997.50 for ***** and $1,282.50 for *****. ***** and ***** never received an invoice and this quarter, hence we did not make payment on time. TF cancelled shortly thereafter.TF should refund to the *********** the difference in the fees paid to them and the cost of any care provided to them pursuant to the contract.TF markets itself as a company that provides home care for seniors with messages such as "senior home care is true freedom and be prepared for your future, plan ahead. In total, e we have paid invoices of total of $25,000 to ASSI/True Freedom .TFr wrongly cancelled us at a time when we needed their services the most. TF has deduced that ******* and ***** would be needing more care as they age thus and took advantage of a technical provision in the contract to, basically, work a forfeiture.If TF is going to do business this way, they should refund the amounts paid, net of the benefits provided. This is about $25,650 of contract payments less $4,500 of benefits provided for a refund claimed of $21,150.If TF can collect substantial sums from clients before they need benefits, and then terminate the contract for highly technical reasons shortly after the clients need benefits, they will make a great profit off senior individuals in need of home care who cannot qualify for long term care insurance. This business model is predatory, unethical, and immoral and should be stopped.