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At Life Policies of America, we are committed to protecting your
privacy. You can be assured that the nonpublic personal information
provided to us in the course of doing business will be used responsibly
and safeguarded. We recognize that the relationships with our clients
are based on integrity and trust, and all personal information
will be kept in confidence. This statement is designed to let you
know our practices with regard to your personal information; however,
you do not need to take any action as a result of this notice.
In the course of evaluating a potential life settlement, we may
collect nonpublic personal information. Most of this information
is obtained directly from our customers, or from medical, financial
and insurance institutions with the customer's authorization, and
is only utilized as it pertains to the possible life settlement
transaction. The types of information may include:
- Information in applications and forms required in the course
of doing business
- Information we receive from nonaffiliated entities including,
but not limited to, credit-reporting agencies
- Health or medical information that a customer authorizes us
to receive
- Customer transaction information such as account activity,
payment history or product purchases. This can include information
from the issuing life insurance company
- Information provided by visitors to our web site, such as from
online forms or visitation data, or from visitation and other
automatic data we may receive when you interact with our web
site, and information provided to us by electronic mail
We recognize that our ability to provide you with the most competitive
life settlement offer possible is related to the personal information
we collect and utilize. It is important that you know that we do
acquire this information and how it is treated and protected. Information
is only disclosed to administer business transactions and where
law requires disclosure. Additionally, we may disclose nonpublic
personal information to:
- Medical care institutions or medical professionals as is reasonably
necessary to conduct our business
- Third parties we have contracted with to provide business services,
including financing for the purchase of policies. In this case,
we contractually require these third parties to maintain the
privacy of this information as required by law
- Insurance regulatory authorities and reporting agencies, law
enforcement agencies or other governmental agencies
- We retain the right to utilize nonpublic information such as
ideas, concepts or techniques contained in any nonpublic information
provided for our marketing and product development purposes.
In the course of doing business, we may receive information, including
data, questions, comments or suggestions, that do not relate to
our evaluation of a potential life settlement. Such information,
whether received by electronic mail or other means, will be treated
as nonconfidential and nonproprietary, and becomes the property
of LPA.
At LPA we have established security practices and procedures to
maintain confidentiality of nonpublic personal information in accordance
with state and federal privacy regulations. We do not provide any
information to unrelated companies for the purpose of marketing
their products or services, and we restrict access to nonpublic
personal information within LPA to those employees who need to
know that information in the course of doing business.
LPA shall not be liable under any circumstances for damages including,
but not limited to, direct, indirect, special, incidental, consequential,
punitive or exemplary damages that result from the use of information
or materials posted to or collected as a result of the user accessing
the LPA web site.
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By accessing, reading and making use of this Website and the Web
pages provided by LPA, you agree without any limitation or qualification
to be bound by the terms and conditions set out below and on the
respective Web pages. You should carefully read these terms and
conditions prior to using this Website or accessing the Web pages
contained herein. If you do not wish to be bound by these terms
and conditions, you may not access or use the information or service
provided on the pages. Should you become dissatisfied with any
Web page of LPA or with any terms and conditions related thereto,
your sole and exclusive remedy is to discontinue accessing the
respective Web page and this Website. This Web page and the terms
and conditions contained herein may be revised or modified from
time to time, without notice, by the updating of this posting.
Any such changes or modifications bind you and therefore, every
time you access a Web page from LPA you must make sure you review
the then current terms and conditions outlined in this page. In
the event that any portion of the terms and conditions on this
Web page is held to be unenforceable, the unenforceable portion
shall be construed in accordance with applicable law as nearly
as possible to reflect the original intentions of LPA and the remainder
of the provisions shall remain in full force and effect.
The information and materials posted on this Website are provided "AS
IS" and neither LPA nor any of its officers, directors or employees
make any express or implied warranties, representations or endorsements
whatsoever (including without limitation warranties of title or
non-infringement, or the implied warranties of merchantability
or fitness for a particular purpose) with regard to any merchandise,
information, material or service provided through its Web pages,
this Website or on the Internet generally. LPA does not represent
or warrant that any of the information presented on its Web pages,
this Website or on the Internet generally, will be uninterrupted
or error-free, that defects will be corrected, or that this Website
or the server from which it is accessed are free from viruses,
worms, Trojan horses or other harmful components. Neither LPA nor
any of its officers, directors or employees shall be liable for
any cost or damage arising to you or any third party either directly
or indirectly from any transaction, be it through the Internet
or otherwise. LPA does not make any representation or warranty
as to the use or the results of the use of the information or the
materials presented on its Web pages, this Website or on the Internet
generally in terms of their correctness, accuracy, reliability,
or otherwise. You, and not LPA, assume the entire cost of all necessary
servicing, repair, or correction. The information and descriptions
contained herein are not intended to be complete descriptions of
all terms, exclusions and conditions applicable to the information
or material presented, but are provided solely for general informational
purposes.
Access to this Website is a free service offered to you by LPA.
As a result, LPA cannot and does not guarantee that the links set
out on its Website will be accurate, complete, relevant or reliable
at the time of your access. Moreover, the sites pointed at by hyperlinks
are developed and maintained by persons over whom LPA does not
exercise any control. We cannot and do not monitor the sites linked
to our Web pages on the Internet. Accordingly, LPA assumes no responsibility
for the content of any site referenced to by any hyperlink or otherwise.
The inclusion of any link to such sites, or the content thereof,
does not imply approval of or endorsement by LPA. LPA is not responsible
for the contents of neither any linked site nor any link contained
in any site, nor does it make any representation as to the accuracy,
completeness, relevancy or reliability of any material or information
contained therein. LPA believes that persons who make information
available on the World Wide Web or in newsgroups do so with the
expectation that such information will be publicly and widely available.
Further, LPA believes that its making available hyperlinks to publicly
accessible Web pages and newsgroups is legally permissible and
consistent with the common, customary expectations of those who
make use of the Internet. If access to a particular Web site is
restricted, LPA will remove the link from their site at the other
site operator's written request. Links are subject to change without
notice.
Unless otherwise noted, all trademarks, servicemarks, trade names,
graphic images, logos, icons, buttons, layout, and text contained
in this Website are the exclusive property of LPA. Nothing contained
in this Website should be construed as granting, by implication,
estoppel, or otherwise, any license or right to utilize any such
trademarks, servicemarks, trade names, graphic images, logos, icons,
buttons, layout, or text displayed on this Website, nor may such
information be copied or distributed, in whole or in part, without
the express written consent of LPA. Permission is granted to print
copies of the information within this Website for your own personal
or internal use, and to display and use the information within
this Website with a computer solely for your own personal or internal
use. LPA herewith states that it is not an owner of the trade-
and servicemarks used on Websites linked to its Web pages when
these belong to persons or companies outside of LPA. Images displayed
on this Website are either the property of or used with permission
by LPA. Use of these images by you is strictly prohibited unless
otherwise noted and specifically permitted herein. Any unauthorized
use of these images could be a violation of copyright, trademark
or related laws.
Though an effort has been made to provide complete information,
LPA assumes no liability for the accuracy, completeness, relevance
or usefulness of any information or materials provided in this
Website, nor does it make any representations or warranties regarding
the information, material or service provided through its Web pages,
this Website or on the Internet generally. You assume total responsibility
and risk for your use of and access to this Website and the Web
pages created and offered by LPA and any linked Websites offered
by or created by other persons. It is solely your responsibility
to evaluate the accuracy, completeness and usefulness of all opinions,
advice, services and other information, and the quality and merchantability
of all merchandise, provided through the Web pages by LPA or on
the Internet generally. All information contained on any page set
up by LPA is distributed with the understanding that the authors,
publisher and distributor are not rendering legal, accounting or
other professional advice or opinions on specific facts or matters,
and, accordingly, they assume no liability whatsoever in connection
with its use. You should always consult with your legal or tax
advisor with respect to your situation. LPA shall under no circumstances
be liable for any direct, indirect, incidental, special, punitive
or consequential damages that result in any way from your use of
the Internet or your reliance on or use of information gained or
services or merchandise provided on or through our Websites or
the Websites of third parties, even if LPA or any authorized representative
thereof has been advised of the possibility of such damages.
This Website, the Web pages and information contained herein,
are not intended to constitute an offer to sell or a solicitation
in connection with any product or service by LPA or any of its
affiliated or subsidiary companies. Products and services referenced
herein may not be available in all jurisdictions, and in certain
instances, may only be available through your broker or licensed
intermediary. The listing of products, services, information and
descriptions contained on this Website is intended for general
information purposes only and is not intended to be complete descriptions
of all terms, exclusions and conditions applicable to the products
and services, but are provided solely for general informational
purposes.
LPA has no obligation to monitor any transmission made through
the respective Web pages and newsgroups. However, by accessing,
reading and making use of this Website and the Web pages provided
by LPA you agree without any limitation or qualification that LPA
has the right to monitor their Internet services electronically
from time to time and to disclose any information as necessary
to satisfy any law, regulation or governmental request or to protect
itself. Any information or communication that you transmit to this
Website by electronic mail or otherwise, including data, questions,
comments, or suggestions, as well as automatic information we receive
when you interact with this Website, will be treated in accordance
with our Privacy Statement.
Software Quality and Licenses
LPA does not warrant that any information, software or other material
accessible through one of its Web pages, this Website or the Websites
of any linked third parties is free of viruses, worms, Trojan horses
or other harmful components. LPA assumes no responsibility, and
shall not be liable for, any direct, indirect, incidental, special,
punitive or consequential damages that result in any way from your
use, access to, browsing in, or downloading of any information,
data, text, images, software or other material accessible through
one of its Webpages, this Website or the Websites of any linked
third parties. You acknowledge that any software available or provided
to you on this Website or through any linked Websites may contain
information technology that is subject to strict governmental controls
by various agencies of the United States Government pursuant to
United States export control laws and regulations. You hereby agree
that you will not transfer or export such software from the United
States (including, without limitation, providing such software
to any foreign person or entity in the United States) or re-export
such software outside the United States in violation of United
States export laws and regulations. does not authorize the downloading
or exportation of any software or technical data from this Website
to any jurisdiction prohibited by the United States export controls
laws and regulations.
When making use of the service provided on the Web pages of LPA
you may not: post or transmit any unlawful, threatening, abusive,
libellous, defamatory, obscene, pornographic, profane, or otherwise
objectionable information of any kind, including without limitation
any transmissions constituting or encouraging conduct that would
constitute a criminal offense, give rise to civil liability, or
otherwise violate any local, national or international law, including
without limitation the U.S. export control laws and regulations;
post or transmit any information or software which contains a virus,
worm, Trojan horse or other harmful component; post, publish, transmit,
reproduce, distribute or in any way exploit any information, software
or other material obtained through our Web pages for commercial
purposes (other than expressly permitted by the provider of such
information, software or other material); upload, post, publish,
transmit, reproduce, or distribute in any way, information, software
or other material obtained through our Web pages which is protected
by copyright, or other proprietary right, or derivative works with
respect thereto, without obtaining permission of the copyright
owner or rightholder; or upload, post, publish, reproduce, transmit
or distribute in any way any component of our Web pages themselves
or derivative works with respect thereto, except where expressly
stated.
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