PERSONAL AND NON-COMMERCIAL USE LIMITATION
You are prohibited from using the Website to advertise or perform any commercial solicitation. You also are prohibited from using any robot, spider, scraper or other automated means to access the Website for any purpose without the prior written permission of the Firm. You may not take any action that imposes, or may impose, in our sole discretion, an unreasonable or disproportionately large load on our infrastructure, interfere or attempt to interfere with the proper working of the Website or any activities conducted on the Website, or bypass any measures that we may use to prevent or restrict access to the Website. Any rights not expressly granted herein are reserved.
NO OFFERING OR ADVICE
The information on the Website is intended to enable people interested in life settlements to understand the nature of the Firm’s services. It is not intended as, and does not constitute, investment advice, legal or tax advice or an offer to purchase or sell (or constitute the facilitation of an offer to purchase or sell) any life insurance policies or securities to any person or a solicitation of any person of any offer to purchase or sell any life insurance policies or securities. The information in the Website should not be construed as the Firm’s endorsement, recommendation or sponsorship of any company, life insurance policy or security. There are inherent risks in relying on, using or retrieving any information found on the Website, and the Firm urges you to make sure that you understand these risks before relying on, using or retrieving any information on the Website. You should evaluate the information made available through the Website, and you should seek the advice of professionals, as appropriate, to evaluate any opinion, advice, product, service and other information.
The Firm’s services are not designed to, and do not, replace the services of tax advisors, financial advisors or life settlement brokers. The Firm advises visitors to the Website to consult their professional advisors and appropriately licensed brokers for final approval and/or implementation of life settlement-related transactions.
You acknowledge that any of your requests for information are unsolicited and any information shall neither constitute nor be construed as investment, life settlement-related or other advice from the Firm to you or to form an investment or life settlement advisory relationship, or any other client relationship between you and the Firm or any of its employees. The Firm strongly recommends that if you are considering selling your policy that you seek outside advice from a qualified life settlement professional. The Firm does not guarantee the suitability or potential value of any particular life settlement transaction or of any investment in any life settlement transaction, or the accuracy of any information source. Lighthouse Life Settlements, Inc. may be affiliated, or have agreements, with companies discussed on the Website and may receive compensation from such companies.
EACH POLICY SALE IS UNIQUE
The sales data presented on the Website are specific to a particular policy sold by a given owner. The Firm believes that the performance shown on the Website was generated with methodology that the Firm would expect to use in the future. Future life settlement transactions, however, may be made involving different factors, including without limitation, different life expectancies, policy issuers and policy face values, all of which will influence the amount offered for the policy. Illustrations in the Website of amounts paid for the sale of a policy in a life settlement transaction, and investment returns, if any, may differ from the results actually achieved in future life settlements.
As a condition to your use of the Website, you represent and warrant to, and agree with the Firm that, all of the information that you provide shall be truthful, accurate and complete.
DISCLAIMERS AND LIMITATION OF LIABILITY
THE INFORMATION, SOFTWARE AND SERVICES PUBLISHED ON THIS WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. DUE TO VARIOUS FACTORS, INCLUDING THE INHERENT POSSIBILITY OF HUMAN AND MECHANICAL ERROR, THE ACCURACY, COMPLETENESS, TIMELINESS AND CORRECT SEQUENCING OF SUCH INFORMATION, SOFTWARE AND SERVICES AND THE RESULTS OBTAINED FROM THEIR USE ARE NOT GUARANTEED BY THE FIRM OR ANY PERSONS CREATING OR TRANSMITTING SUCH INFORMATION, SOFTWARE AND SERVICES. While the Firm endeavors to keep the information on the Website up to date and accurate, the Firm makes no warranties or representations as to the currency or accuracy of any information on the Website, and you are expressly advised not to take any action, or make any decision, in reliance on any statement contained on the Website unless otherwise advised in writing by the Firm. The Firm will not be held legally responsible for any errors or omissions in the content of the Website.
THE FIRM AND/OR ITS RESPECTIVE SERVICERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE CONTENT AND OPERATION OF THE WEBSITE AT ANY TIME WITHOUT NOTICE. THE WEBSITE MAY BE TEMPORARILY UNAVAILABLE FROM TIME TO TIME DUE TO REQUIRED MAINTENANCE, TELECOMMUNICATIONS INTERRUPTIONS OR OTHER REASONS.
THE FIRM AND/OR ITS SERVICERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES CONTAINED ON THIS WEBSITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. THE FIRM AND/OR ITS RESPECTIVE SERVICERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND AVAILABILITY. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, LOSS OF DATA OR ANY OTHER DAMAGE OR LOSS THAT RESULTS FROM THE USE OF THE WEBSITE OR THE DOWNLOAD OF ANY CONTENT FROM THE WEBSITE. IN NO EVENT SHALL THE FIRM AND/OR ITS SERVICERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH OR RELATING TO THE USE OF OR ACCESS TO THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, DOCUMENTS, FORMS, BROCHURES OR SERVICES OBTAINED THROUGH THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF THE FIRM OR ANY OF ITS SERVICERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
OWNERSHIP OF CONTENT
To the extent that users of the Website voluntarily provide information to the Firm through the Website, such information will be kept confidential and used only for providing information or responding to the user’s inquiry. By submitting your contact or identifying information, including your name, phone number, address and email address, you understand that the Firm may contact you by email, mail or phone to discuss your inquiry and you consent to this contact. You agree that all agreements, notices, disclosures, and other communications that the Firm provides to you in accordance with the prior sentence satisfy any legal requirement that such communications be in writing.
The Website may have links for you to share your experience with the Firm or your friends using social media tools such as Facebook and Twitter. If you choose to use these tools, you may be sharing certain profile elements, including your comments. This sharing is subject to each social media program’s privacy policies.
NO UNLAWFUL OR PROHIBITED USE
REFERENCES TO PUBLICATIONS AND OTHER COMPANIES
References to any publication or any other organization in the Website are for reference and informational purposes only and are not intended to suggest that any such organization endorse, recommend or approve of the services of the Firm or that the Firm endorses, recommends or approves the services or products of such organization. News stories reflect only the author’s opinion and not necessarily that of the Firm unless otherwise indicated.
MODIFICATION AND MONITORING OF WEBSITE
TERMINATION AND CANCELLATION
The Firm may modify or terminate the Website and terminate your access to the Website, without notice at any time and for any reason. You agree that the Firm may immediately deactivate or delete your password and user name, if any, and all related information and files associated with it, if any, and/or bar any further access to any such information or files. You agree that the Firm shall not be liable to you or any third party for any termination of your access to the Website.
JURISDICTIONAL ISSUES AND APPLICABLE LAW
Unless otherwise specified, the Firm controls and operates the Website from its offices within the State of Texas, United States of America.
The Firm does not claim that materials in the Website are appropriate or available for use in locations other than Texas. If you choose to access the Website from other locations, you do so on your own initiative, and you are responsible for compliance with any applicable local laws.
Software from the Website is further subject to United States export controls. Software from the Website may not be downloaded or otherwise exported or reexported outside the United States. By downloading or using such software, you represent and warrant that you are not located in, under the control of, or a national or resident of any country or territory outside of the United States.
You agree to be bound by any agreement or consent you transmit to or through the Website via any media or electronic device, including internet, telephone and wireless devices.